Group rating “open enrollment”

Here’s what your TPA should be discussing with you: Group rating this year and group rating next year: Make sure you get a fresh offer every year, not just a renewal invoice.  If you pay the renewal invoice and then decide to go with another group, you have to ask for a refund – and […]

2015 Minimum/maximum for officers, partners & sole proprietors

Partners in a partnership and sole proprietors who have elected coverage for themselves, and officers of a corporation are required to report compensation between a minimum and maximum weekly amount that changes every year. For 2015, the minimum is $431 per week which is $ 11,206 for the first six months of 2015.  The maximum […]

Sneaky Group Rating Sales Tactics

Actual scripts for Ohio group rating phone calls: “I just want to verify your address…  Now is this where I should send your free group rating quote?” “Send me your other offers and I’ll tell you which one is the best.” “You need to sign up now because our deadline is August 31.” “We’ve extended our […]

Good News Bad News about Prospective Billing

Good News Instead of two or four chunks of premium, you can now pay every month or every two months which makes it easier to budget. The payments will be about the same for each installment. You can change the Estimated Annual Premium (EAP) amount up through March 2016 if your actual 7/1/15-6/30/16 payroll will […]

How to View Prospective Billing payment options online

Log into www.bwc.ohio.gov and select Employers in the orange top bar.  On the right side of the Employer home page under Financial Information, select NEW! Premium Installment Schedule.  Enter your policy number.  You will see the Estimated Annual Premium (EAP) amount and installment schedule for the default every two months payment schedule.  Click the Print […]

New OSHA reporting requirements for ALL employers

Effective January 1, 2015, OSHA requires that every employer REPORT every incident that results in loss of an eye or amputation (not avulsion) or in-patient hospitalization.  The employer must report to OSHA within 24 hours of learning of the incident. This is in addition to the previous requirement that the employer report every incident that results in death within […]

Why resist a good employee’s treatment requests?

A good employee was rear-ended while driving a company truck.  The BWC denied the claim, so the employer appealed and went to hearing to get the claim allowed.  The employee did not miss any time from work, and continued to work full duty.  After some physical therapy, the employee selected a chiropractor to be his […]

3 ways to meet the March 31 deadline for EM capping

March 31, 2015 is the last day to complete your required half (3 hours) or full day safety training.  Only classroom training is accepted, not online training. Go to www.ohio.bwc.gov and scroll to the bottom of the home page to look up your local service office.  Call the Employer Services line to ask which courses […]

Ohio workers’ comp premiums due 3/2/15

Ohio workers’ comp premiums are due by the close of business on Monday, March 2, 2015.  This is for payrolls 7/1/14 through 12/31/14. If you report your payroll and pay your premiums online at www.bwc.ohio.gov, the BWC will automatically calculate and deduct a 1% Go Green discount. You will not get the discount if you […]

POODLE bug impacts Ohio BWC website

Employers using XP and/or Internet Explorer 6 or 7 will no longer be able to access the e-business portion of the BWC website (dolphin), which means you can’t report payroll or pay premiums.  Dolphin is designed to work with Microsoft Internet Explorer and Mozilla Firefox.  Update IE to the latest version your operating system will […]