To Obtain A Cheap Work Comp Quote For Your Company Provide Us With The Following Information:

1.    Your "Declarations" Page from your Current Workers Compensation insurance policy.
	Sample Declaration pages
2. Your most current " Experience Modification Worksheet"
	Sample Experience Modification Worksheets
	What to do if you can't find yours
3. Your loss runs from the last 3 years
	What are Loss Runs/How to Obtain

Oklahoma Workers Compensation Insurance Guideline Summary

What is Oklahoma work comp insurance?

In Oklahoma, work compensation insurance is state-mandated. Oklahoma workers comp insurance pays benefits to Oklahoma employees
injured on the job or suffering from job-related diseases. Benefits for Oklahoma employees include medical, disability, indemnity and rehabilitation benefits to injured workers. In some job-related deaths, descendants of an Oklahoma employee may qualify for benefits of an Oklahoma workers comp insurance plan. Oklahoma workers compensation insurance also pays part of the employee's wages if the employee cannot return to work.

Oklahoma employers, workmans comp insurance also provides the employer financial protection from liability and pays any compensation due the employee.

How is Oklahoma work comp insurance regulated?

Oklahoma workmans compensation insurance is regulated by the Commissioner of Labor. Workers comp legislation, passed in Oklahoma in
1986, gives the Oklahoma Commissioner the authority to enforce the state's mandatory workers compensation law, charge fines up to $10,000 and file criminal charges when identifying cases of willful violation in the state of Oklahoma. Oklahoma's workers comp system continues to be governed by legislation outlined in Title 85 of the Oklahoma Statutes. Administration of Oklahoma's workers comp law is administered by the Oklahoma Workers Compensation Court.

Since the Oklahoma workers comp program was formalized, more than 46,000 employees not previously covered by state legislation, are now by protected by Oklahoma workers comp insurance.

Are all Oklahoma employers required to purchase workers compensation insurance?

Oklahoma employers must provide workers compensation coverage for all employees, even if the employer has one part-time employee. In no instances can Oklahoma employers substitute the required Oklahoma work compensation insurance with accident or health insurance
coverage. Exceptions to mandatory coverage do exist,specifically for domestic, household or agricultural employees, when the total payroll is under $10,000. Certain real estate
professionals and Federal employees are exempt from Oklahoma workers compensation law. Specific details onOklahoma exemptions are detailed in Sections 2.2 through 2.7 of Title
85 of the Oklahoma Statutes.

Employers can purchase Oklahoma workers comp insurance from an workers compensation insurance company or by self insuring with state-certified plan. Contact CheapWorkComp.com for a cheap workers compensation insurance quote.

Oklahoma workers compensation legislation also allows specific employer groups to form group
self-insurance associations.

According to Oklahoma workmans’ compensation legislation, who is defined as an employer?

The term employer as defined by Oklahoma legislation, typically means a person, partnership, association, limited liability company, corporation and the legal representatives of a deceased employer. It can also encompass the receiver or trustee of a person, partnership, association, corporation or limited liability company, departments, instrumentalities and institutions of this state and divisions thereof, counties and divisions thereof, public trusts, boards of education and incorporated cities or towns and divisions thereof, employing a person included within the term “employee” as herein defined.

According to Oklahoma workers comp, who is defined as an employee?

Oklahoma workers comp legislation recognizes an
employee as any person engaged in the employment of any person, firm, limited liability company or corporation covered
by the terms of the Workers Compensation Act.

The term employee shall not include any other
person providing or performing voluntary service who receives no wages for the services other than meals, drug or alcohol rehabilitative therapy, transportation, lodging or reimbursement for incidental expenses.

What is defined as wages for Oklahoma employees?

The term wages, as defined by Oklahoma workers compensation law means the money rate at which the service rendered is recompensed, under the hiring contract in force at the time of the injury, including the reasonable value of board, rent, housing, lodging, or similar
advantage received from the employer.

Can Oklahoma employees waive their rights to workers compensation coverage or pay for insurance premiums?

Oklahoma employees cannot waive their rights to workers compensation insurance. Nor can employeers deduct the cost of Oklahoma
workers compensation insurance from an employee's regular wages. Such deduction violates the Oklahoma Workers Compensation Act.

What should I do if I suspect fraud?

Any suspicion of fraudulent activity with regard to the Oklahoma Workers Compensation Act should be reported. Contact the Oklahoma Workers Compensation Fraud Unit at the
Oklahoma Attorney General's office.

A violation of fraud in regards to Oklahoma workers compensation is liable to penalties. An employer found in first-time violation of the Oklahoma Workers Compensation law is liable for a maximum per-employee civil penalty of $250. For first-time offenders,
Oklahoma employers who obtain workers compensation insurance within 30 days of notification of the violation will be found liable for a maximum civil penalty of $75 per employee. Any Oklahoma employer cited for a second or subsequent violation is liable for a
maximum per-employee civil penalty of $1,000.

What do I do if I suspect an employeer does not have Oklahoma workers comp insurance?

To find out if a specific business has a current Oklahoma workers' compensation insurance policy, contact the Oklahoma Workers'
Compensation Court (OWCC) at 405-522-8760 or at 800-522-8210.

If you believe you have identified an employer operating without current work comp insurance, then contact a labor compliance officer at
the Oklahoma Department of Labor (ODOL) at 405-528-1500, or toll-free at 888-269-5353. You can also download a Compliance Review Request for Oklahoma employers at www.okdol.state.ok.us. You will be asked to
anonymously provide the name and address of the suspected Oklahoma employer.

As a business owner, am I required to obtain Oklahoma workers compensation insurance on myself?

Individual employers who own an equity interest in the business qualify for an exemption from the requirements outlined in the Oklahoma Workman's Compensation Act. To qualify for exemption, the Oklahoma employer must be a sole proprietor or be a partner in a
partnership. A partner is defined as owning 10% or more of the shares of stock in a corporation, or owning 10% or more of the
capital in a limited liability company.

These individuals may choose to provide coverage for themselves. In any case, these Oklahoma employers must continue to maintain Oklahoma workers compensation insurance on their employees as specified by state law.

As a small family business owner, am I required to maintain Oklahoma workers compensation insurance?

An exemption does exist for small family businesses according to the Oklahoma Workman's Compensation Act. The employer must have five or fewer employees, all of whom are related by blood or marriage to the employer, to qualify for the exemption.

What about other exceptions? For example, are truck drivers who drive a leased truck for an Oklahoma employer considered an employee?

Not all workers fit the definition of an employee. For example, a truck driver
(owner-operator) is not considered an employee if the driver owns the truck being driven or if the individual drives a leased truck, and as
long as the business contracting the truck driver is not the lessor of the truck.

How are an employer's workers compensation insurance premiums typically calculated?

Several factors are used to calculate the premiums for Oklahoma workers compensation insurance. These include the amount of wages an
employer pays and the classification of the company's employees, for example administrative/office employees, mechanics, vehicle operators, truck drivers, etc.

As an employee, what should I do if I am injured on the job?

Your first critical step as an employee following an injury on the job during your regular course of employment is to immediately notify your employer. Unless oral or written notice is given to the employer or medical treatment is given within 30 days of the injury, any claim for compensation to your Oklahoma workers comp insurance may be denied.

Next, as an Oklahoma employee injured on the job, you can Contact the Oklahoma Workers Compensation Court (OWCC) at 405-5 22-8760
to request a Form 3 (Employees' First Notice of Accidental Injury and Claim for Compensation), or download a Form 3 from OWCC's web site at www.owcc.state.ok.us.

What is required of Oklahoma employers if an employee is injured?

According to Oklahoma workers comp law, if an employee is injured on the job, employers must provide that injured employee with medical care
and other necessary services. The employer must furnish the employee with all forms to file an Oklahoma workers compensation claim.

If the injured employee requires medical attention away from the work site, or treatment in a recognized medical facility, or if the injury results in loss of time beyond the employee’s typical work shift, the employer must file a Form 2 (Employer's First Notice of Injury). This form comp must be filed with the Oklahoma Workers Compensation Court and the employer's insurance provider within 10 days of the notice of injury.

For more details, contact the Oklahoma Workers Compensation Court.

Who should be contacted if an employer does not provide Oklahoma workers compensation?

If an employee is injured but the Oklahoma employer is not insured, or if an employer is suspected of not providing workers comp insurance, contact the Work Comp Enforcement Division at the Oklahoma Department of Labor
(ODOL).

Is there anyone else I should contact who about Oklahoma workers compensation benefits in general, or about a specific Oklahoma
workmans comp claim?

Employees AND employers alike may obtain more information about an Oklahoma workman comp claim by calling a counselor at the Oklahoma Workers Compensation Court, at 405-522-8760 or
800-522-8210, or visiting the OWCC's Website at
www.owcc.state.ok.us.

According to Oklahoma workers compensation legislation, are employers required to post an Oklahoma Workers Compensation Act notice?

Oklahoma legislation requires that each employer post a notice (Form 1A), advising employees that they are covered by the Oklahoma Workers Compensation Act and that workers' compensation counselor services are
available at the OWCC. The Form 1A notice can be obtained from the OWCC by calling 405-522-8600 or 800-522-8210.

What happens when an Oklahoma employer is cited for violating Oklahoma
workers comp legislation?

If an Oklahoma employer cannot supply proof of workers compensation, labor compliance officers are required to issue a citation. This official citation may require an assessment of civil penalties based upon the total number of employees currently working for the cited Oklahoma employer.

By law, assessed civil penalties are substantially reduced if the cited
employer obtains workers compensation insurance within thirty 30 days of the date of citation.  If the cited Oklahoma employer fails to either obtain WC insurance or comply with the Oklahoma Workers’ Compensation Act, civil penalties of up to $10,000
may be assessed.

During the citation process, the Oklahoma Commissioner of Labor may also issue a Cease and Desist Order. This citation requires
that the cited Oklahoma employer stop all normal business operations until compliance has been established by ODOL.

As an Oklahoma employer, what rights do have if I am cited in offense of Oklahoma state workers compensation legislation?

Each employer cited by the ODOL workers compensation Enforcement Division has the right to a hearing to contest the labor
citation.  If an employer does contest the citation, or any portion of the citation, the matter will assigned to a hearing
officer.  The purpose of the hearing officer, which is designated by the Commissioner of Labor, is to determine a fair and equitable resolution of the violation.

Following the hearing, any Oklahoma employer may appeal the decision of the hearing officer to the Commissioner of Labor (or his or her
designee) by filing a written request for a formal hearing on the matter within 30 days. As outlined in the Administrative Procedures Act and OAC: 380:1-7-1 through 1-7-25, the employer has the right to counsel, to present evidence and to examine or call witnesses
at all stages of the hearing process. Following a final order that comes out of a formal hearing, the employer can appeal to the
district court in the county in which the business is located.

How do I obtain a current fee schedule?

For an Oklahoma workers comp fee schedule, contact the Workers Compensation Court at 405-522-8760 or 800-522-8210, or visit the OWCC's Website at www.owcc.state.ok.us.

Oklahoma Work Comp Insurance Resource Directory

Oklahoma Division of Workers Compensation