2025 Guide to Workers’ Compensation Benefits in Oklahoma: What Injured Workers Need to Know
The Oklahoma Workers’ Compensation Commission (OWCC) establishes guidelines for calculating maximum weekly benefits. If you or someone you care about has been hurt while performing work duties, call for immediate guidance to learn more about your rights. Early preparation and quick action can make a meaningful impact on the outcome of your claim.
Key Reasons for Workers’ Compensation Coverage
Workplace injuries not only affect employees’ health but can also result in substantial financial losses for businesses. The Bureau of Labor Statistics (BLS) reported that, nationwide, there were approximately 2.6 million nonfatal workplace injuries in private industry in 2021. Workers’ compensation coverage helps address these risks by providing medical expense protection, which ensures that injured employees can receive prompt treatment—such as surgeries, medications, and physical therapy—without incurring out-of-pocket costs. It also offers income replacement through temporary or permanent wage-replacement benefits, allowing employees to manage their basic expenses while they recover.
In addition, workers’ compensation acts as an important safeguard for employers by establishing a no-fault process to handle injury claims and related costs, thereby reducing the likelihood of costly lawsuits. In Oklahoma, most employers become subject to these requirements as soon as they employ at least one full- or part-time worker. Under Okla. Stat. tit. 85A, §§ 36–38, businesses that fail to maintain adequate coverage may be fined up to $1,000 per day.
Who Must Carry a Policy and Possible Exemptions
Nearly every employer in Oklahoma must carry workers’ compensation, per OWCC guidelines. This includes organizations ranging from large corporations to small family-owned shops. The primary requirement is having at least one individual employed. Certain types of workers and business setups may be exempt under Title 85A and other state regulations:
- Federal Employees: Covered under separate federal programs (e.g., Federal Employees’ Compensation Act).
- Real Estate Licensees on Commission: Exempt if they’re strictly commission-based and not classified as employees.
- Certain Agricultural Employers: Might qualify for an exemption if their annual payroll falls under a specified threshold.
- Sole Proprietors and Partners: Often can opt out, but forfeit coverage for themselves if they do.
- Family Businesses with Fewer than Five Related Employees: In some circumstances, these operations do not need a policy.
Because exemption rules can be nuanced, the Oklahoma Workers Compensation Commission (405-522-3222) encourages business owners to verify their status. Businesses that qualify for exemption often must file a CC-Form 36A Affidavit of Exempt Status (fee $50) to confirm compliance and avoid misunderstandings.
Major Benefits Provided by Oklahoma Workers’ Comp
When an on-the-job injury or occupational disease occurs, workers’ compensation typically covers a broad scope of benefits:
Medical Services
In Oklahoma, workers’ compensation typically covers medical services for job-related injuries, starting with immediate care in an emergency room and continuing through any necessary rehabilitative treatments. Costs for prescriptions, diagnostic imaging, and medically required supplies—such as braces or crutches—are also included, ensuring that employees receive comprehensive support during recovery.
Temporary Disability (TD) Benefits
In cases where an employee cannot maintain their usual work schedule, temporary disability benefits can replace a portion of lost wages. If the worker is entirely unable to work for a limited period, Temporary Total Disability (TTD) generally provides about 70% of the individual’s average weekly wage, subject to a statutory maximum. If the employee can return to reduced or lighter duties for lower pay, Temporary Partial Disability (TPD) helps close part of the wage gap until full recovery or a return to normal responsibilities.
Permanent Disability (PD) Benefits
Some injuries result in lasting impairments. Permanent Partial Disability (PPD) covers situations where a worker can resume certain tasks despite an ongoing impairment. Compensation is tied to the physician’s rating of the injury. By contrast, Permanent Total Disability (PTD) applies if the injury prevents any future employment, offering continuous financial support up to the limits set by law.
Vocational Rehabilitation
When employees cannot perform their former roles due to an injury, vocational rehabilitation benefits may finance job retraining or new placement opportunities. This service aims to help workers transition into roles better suited to their abilities after an injury, preserving their long-term earning potential.
Death Benefits
If a workplace accident proves fatal, dependents—such as a spouse or minor children—may receive ongoing financial support through death benefits. Funeral expenses are also commonly covered, providing some stability to families coping with the loss of a loved one.
Our experienced workers’ compensation attorneys in Oklahoma City are dedicated to helping injured workers and Tulsa obtain the maximum benefits they deserve. We understand the complexities of the workers’ compensation system and will work tirelessly to protect your rights.
Maximizing Your Weekly Benefit Rate
Having a valid workers’ compensation policy is crucial for nearly all Oklahoma businesses. It not only protects employees by covering medical treatment and wage replacement but also reduces employers’ vulnerability to heavy penalties and costly litigation. If you have been injured in a work-related accident, contact Burton Law Group today for a consultation. Our skilled Oklahoma workers compensation attorney will review your case and help you determine the best course of action.