Statutory Caps on Medical Benefits
Ohio law caps indemnity medical benefits at $500 per service for most treatments, while surgical procedures may be reimbursed up to $1,500 per operation. These limits apply unless a physician's recommendation exceeds the cap and the employer or insurer approves a supplemental payment.
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Wage Replacement Rate and Maximum Duration
Temporary total disability (TTD) benefits replace 66⅔% of the employee's average weekly wage, subject to a statewide maximum of $1,500 per week. Benefits continue for up to 104 weeks, after which they convert to permanent disability compensation if the injury remains partially impairing.
Permanent Disability Compensation
Permanent partial disability (PPD) awards are calculated using a schedule that assigns point values to lost body parts or functions, each point worth $100. The total award cannot exceed 75% of the employee's average weekly wage multiplied by the number of weeks in the statutory maximum.
Employer Liability and Self‑Insurance Thresholds
Employers with payrolls under $1 million may qualify for the Ohio Self‑Insurance Program, which imposes a $250,000 annual liability cap for covered workers. Larger employers must maintain commercial workers' comp insurance with no statutory ceiling, though policy limits are often set by market rates.
Comparative Table of Key Limits
| Benefit Type | Statutory Limit | Notes |
|---|---|---|
| Indemnity Medical | $500 per service / $1,500 per surgery | Physician‑approved exceptions possible |
| Temporary Total Disability | 66⅔% wage, max $1,500/week | Up to 104 weeks |
| Permanent Partial Disability | 75% of weekly wage × weeks | Point‑value schedule applies |
| Employer Self‑Insurance Cap | $250,000 annual | Payroll < $1 M only |