OK Workers Comp Information
Find the latest news and information about Oklahoma workers compensation insurance.
Oklahoma is an NCCI state like most other states in the U.S. Every employee hired in Oklahoma should be covered by workers' compensation laws of Oklahoma. Independent contractors are not employees and are not generally covered on an employers' policy. Independent contractors should complete an Affidavit of Exempt Status if they whish to claim exemption from the workers' compensation code.
The Oklahoma Workers' Compensation Commission is responsible for the administration and management of all injured workers and work comp claims.
There are hundreds of workers' compensation carriers authorized to sell workers' compensation insurance in the state. Most employers typically purchase their coverage from a private insurance company or through CompSource Oklahoma, the state fund for OK. Private agencies like Workers Compensation Shop.com help employers find the appropriate classification codes and insurance coverage.
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About Workers Compensation in Oklahoma
Oklahoma Workers Compensation Regulation
The Oklahoma Workers' Compensation Court is responsible for the regulation and administration of workers comp in the state.
Oklahoma Workers' Compensation Court
1915 N Stiles Avenue
Oklahoma City, OK 73105
Workers Compensation Commission
The Oklahoma Workers Compensation Commission (WCC) recently submitted their annual 2015 Oklahoma Report on Workers' Compensation to the Governor and Legislature. The Commissions primary purpose is to assist injured workers with claims and insure Oklahoma employer have coverage when required by state law. The report provides an in-depth review and analysis of historical claims activity within the state.
Ownership Requirements and Coverage
Oklahoma law specifically exempts sole-proprietors and other business owners who own at least 10% of the capital or stock in the business. Business owners may elect to be included in coverage by electing coverage on the Acord 130 Application.
CompSource is a non-profit company designed to write all state fund and assigned risk workers compensation in Oklahoma. CompSource was established in OK pursuant to Title 85 section 131. They write all state fund insurance and compete with private insurance companies for standard coverage.
Workers Comp Penalties in OK
Most employers in Oklahoma are required by law to purchase workers compensation insurance. Employers who fail to retain coverage may be charged with a misdemeanor and will be subject to a fine. Fines vary significantly depending on the days without coverage. The Commissioner of Labor has the authority to order a cessation of all business activities upon the 2nd offense for not having coverage in place.
Injury Reporting Requirements
Generally speaking, all insurance companies and states indicate that employers should report job-related injuries to the carrier as soon as possible. Oklahoma state law requires each employer to report an injury event within 30 days of the injury.
Employee injuries resulting in a loss of time at work or those that require medical treatment must be reported to the Oklahoma Workers' Compensation Court and insurance company within 10 days of the injury. The form used for reporting injuries is known as Form 2. OK Court Administration may fine up to $1,000 each time an employer fails to comply with this reporting procedure. Employer may ask their insurance company to file the form as they report the injury to the carrier.
OK Workplace Safety Assistance
Oklahoma employers working in the private sector are eligible to receive free safety and health consultation services. The Oklahoma Department of Labor provides this free service through a program called Safety Pays. For more information call: 888-269-5353.
Independent Contractors and Subcontractor Risks
Employer and contractors who subcontract any part of a contract job may be liable for work-related injuries to employee of the subcontractor. Subcontractors should have their own workers compensation coverage in place to cover their employees. Contractors are advised to require a current Certificate of Insurance for all sub-contractors performing work on behalf of the contractor. We also recommend having your business names as an Additional Insured on the Certificate.
Certified Workplace Medical Plan
In Oklahoma, a Certified Workplace Medical Plan is used to help control the cost of medical expenses in workers compensation insurance. If an employee is covered by a Certified Workplace Medical Plan, the employee must apply for a one-time change of physician within the CWMP network. Employees not covered by a CWMP may change their physician one time within the claim period if they are not satisfied with the physician. Emergency treatment may be procured outside of the Network if needed,
Workers Comp Fraud in Oklahoma
Employers who suspect workers comp fraud may notify their insurance carrier of the suspected fraud. Employer are also encouraged to contact the Attorney General Workers' Compensation Fraud Unit for investigation: 877-800-8764.
More Programs and Options
We're always working with our insurance carriers to develop specialized programs for a broad range of industry class codes. Our Target Programs are designed to streamline the underwriting process and help ensure we offer the lowest rates available anywhere.
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Workers Compensation Help?
- What is Workers Compensation?
- The Basics of Workers Comp
- Workers Compensation Q and A?
- Insurance Laws for Work Comp
- Managing Policy Claims
- Getting Work Comp Benefits
- NCCI Classification Codes
- Experience Modifiers and Ratings
- State Fund Coverage
- Workers Compensation Forms
- Handling Workers Comp Audits
- Understanding an Employer Liability Policy
- Excluding Owners and Officers
- Other States Coverage
Oklahoma Work Comp Information
Workers' Compensation Premium Reduction (WCPR) Program
The Oklahoma Department of Labor offers a premium reduction program to qualified employers who participate in the certification process. Employers can earn up to a 15 percent reduction on their insurance premium depending on annual cost of coverage. Certification does require a comprehensive consultation with the DOL and well as a performance review.
For more information on the WCPR program for Oklahoma employers, please contact the OK Department of Labor at 888-269-5353.
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