Ohio BWC invoices need to be fixed now

Invoices sent to Ohio employers make no sense.  They have never been very clear, and now with installment payments & transition credits & security deposit credits they are even more confusing.  Sometimes BWC personnel have difficulty untangling what policyholders owe or are owed. A client just received an invoice dated 10/23/15 that indicated he owed […]

Help! BWC invoice is confusing

If you recently received an invoice from the BWC, here’s what you are probably seeing: The Current Activity Detail page starts with Installment.  This is the amount your company owes for its next premium payment.  This amount probably matches the Invoice /Statement page. Payroll Adjustment is the premium that was due for the first half […]

My group discount is the maximum, so why get other offers for next year?

If your experience modifier (EM) is 47, you are getting the maximum group rating discount.  Why bother getting other offers for the 7/1/16 policy year?  Here are some scenarios: No claims:  If you haven’t had any claims, your company should still be eligible for the maximum discount.  But other group TPAs might offer a lower […]

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 […]