Bureau of Workers' Compensation - BWC (or Ohio BWC)

The legal State entity which administers claims, collects premiums and monitors compliance with the Ohio Revised Code and the Administrative Code. A fund established by the State to compensate a worker who has been injured or has contracted an occupational disease in the course of and arising out of employment.

Disabled Workers' Relief Fund - DWRF

A fund for permanently and totally disabled employees whose workers' compensation benefits have not kept up with inflation.

District Hearing - DH

The first level of the Industrial Commission hearing process. This hearing is informal in nature.

District Hearing Officer - DHO

Experience Modifier Rate - EMR

The rate calculated annually by the BWC based on payroll and claim costs.

Drug Free Workplace Program - DFWP

A discount program offered by the BWC to employers that implement a drug free workplace. The discount levels vary depending on the Program Level.

Handicap Reimbursement - HC

A provision of the state laws of Ohio set up as a cost relief program to encourage employers to hire and retain handicapped employees.

Industrial Commission - IC

The IC is the adjudicating body in the Ohio Workers' Compensation system. The IC adopts rules (Ohio Administrative Code) governing the conduct of hearings and rendering decisions by any of the three levels of hearings, the District Hearing Officer (DHO), Staff Hearing Officer (SHO) and Commissioners

Injured Worker - IW

An employee who has been injured or contracted an occupational disease in the course of and arising out of employment, on premises controlled by the employer or at an employer sponsored function.

Living Maintenance - LM

A type of compensation paid to an injured worker while they are actively participating in an approved rehabilitation plan. These payments are provided to the injured worker in place of temporary total compensation when participating in a vocational rehabilitation plan.

Lost Time - LT

Being incapacitated from work eight or more calendar days due to an injury or occupational disease. These days need not be consecutive.

Lump Sum Settlement - LSS

An award of money paid to an injured worker to close or settle a Workers' Compensation Claim.

Managed Care Organization - MCO

BWC and the private-sector managed care organizations (MCOs) must work together to provide comprehensive claims-management and medical-management services. BWC is responsible for claim determinations and allowances, paying lost time compensation, second level of dispute resolution. The MCOs are responsible for provider management, utilization review, first level of dispute resolution, determining reimbursement eligibility and paying providers for services.

Maximum Medical Improvement - MMI

Maximum Medical Improvement (MMI) is a treatment plateau in each person's healing process. It can mean that the patient has fully recovered from the injury or that the patient's medical condition has stabilized to the point that no major medical or emotional change can be expected in the injured workers' condition. This occurs despite continuing medical treatment or rehabilitative programs the injured worker partakes in.

Medical Only - MO

Being incapacitated from work seven or less calendar days due to an injury or occupational disease.


Any decision, rule, regulation, direction, requirement, standard, or any other determination which the Industrial Commission or the Department of Industrial Relations is empowered to and does make.

PDP+ (or PDPP)

A discount program offered to employers with an experience modifier greater than .90 that implement a Ten Step Business Plan for safety.

Permanent Partial Disability - PPD

An impairment from a work-related injury or occupational disease that has become permanent but is only partially disabling to the employee.

Permanent Total Disability - PTD

An impairment from a work-related injury or occupational disease that has become permanent and has totally disabled the employee from returning to substantially remunerative employment.

Rehabilitation - REHAB

A service that specifically deals with attempting to rehabilitate injured workers so they may return to their former position of employment.

Salary/Wage Continuation

Where an injured worker continues to receive his or her full salary or wages for the time they are off work due to the work-related injury or occupational disease, instead of workers' compensation payments.

Self Insurance - SI

The privilege granted by BWC to employers to pay workers' compensation and benefits directly to their employees in accordance with the laws and rules of the Industrial Commission and BWC.

Staff Hearing - SH

The second level of the Industrial Commission hearing process.

Staff Hearing Officer - SHO

Statute Of Limitation

The legal time limitations set by the legislature for an employee to file a workers' compensation claim. If it is an injury claim, the time limitation is two years from the date of injury or death. The time limitation on an occupational disease claim is two years from the date of the diagnosis, disability or death, or six months from date of disability or diagnosis, whichever is later.

Temporary Total Disability - TTD

The injured worker's state of being temporarily and totally disabled from his or her regular position of employment.

Violation of a Specific Safety Requirement - VSSR

A type of claim payment that deals with only certain industries. It can be awarded to the employee only by the Industrial Commission and is in addition to any compensation, payable in the claim.

Wage Loss - WL

Compensation awarded in claims filed for injuries occurring on or after August 22, 1986, where an employee suffers a loss in wages due to a work-related injury.

Workers' Compensation Terminology