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What if My Employer is Self-Insured?

Some employers are self-insured, thus they do not participate in, or pay into, the state insurance fund that supports workers’ compensation claims. Instead, self-insurers pay compensation and medical benefits directly to the injured worker. The self-insured employer acts as the initial decision maker in a claim. An injured worker may still appeal a self-insured employer’s decision to the Industrial Commission if the employer’s decision is unfavorable.

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