Workers' Compensation Laws in Oklahoma.

All employers with 1 or more employees must provide workers' compensation coverage. Exemptions include sole proprietors, partnerships with no employees, certain agricultural workers, and licensed real estate agents. Employers may self-insure with Commission approval or purchase insurance from CompSource Mutual or a private carrier.

Oklahoma's 2013 law allowing large employers to "opt out" of the state workers' compensation system was struck down as unconstitutional in Vasquez v. Dillard's (2016). The court found the opt-out system violated equal protection. All employers must now participate in the standard state system.

TTD benefits are 70% of the employee's average weekly wage, with a maximum of $1,083.46/week (2025–2026). Benefits are payable for a maximum of 104 weeks (approximately 2 years) unless extended for specific injuries.

CompSource Mutual is Oklahoma's state-chartered workers' compensation insurance company. It operates as a mutual insurance company (not a state agency) and competes with private carriers. It serves as the insurer of last resort.

Employers/insurers may require an independent medical examination by a physician of their choosing. Disputes about medical treatment or disability are resolved by the Workers' Compensation Commission. The AMA Guides to the Evaluation of Permanent Impairment (6th Edition) is the mandatory standard.