All you REALLY need to know about prospective billing

The policy year will continue to be July 1 through June 30. As always, report your payroll in August 2014 and February 2015, and pay your premium. The deadline to enroll in group rating for the 7/1/15 policy year will be November 24, 2014, not the end of February. In August 2015, you will report […]

MCO Open enrollment: Follow the Money

Here’s why it’s important for you to understand how your MCO gets paid. Your premium rates are determined by the industry you are in, the size of your payroll, and the dollar amount of the claims costs. The claims costs are made up of medical payments, compensation paid to the claimant, and reserves. The BWC […]

Safety Congress Takeaways, part 2

Subrogation (BWC presenters): Subrogation is when the BWC recovers some of the claim costs from a 3rd party (auto insurer or defective product manufacturer or owner of biting dog) that caused the injury. As an employer, notify the BWC if you hear that your employee is suing another party involved in an industrial accident. If […]

Safety congress 2014 Takeaways, part 1

RTW Strategies (Employment attorney presenter): There are two well-known facts: it is completely counter-productive to keep soft tissue injuries off work, and the longer someone is off work, the less likely they are to return to work. Send a valid, specific job offer ASAP, and do not include “we can accommodate any restrictions” language. Keep […]

Next BWC Deadlines

March 1-April 30 OCP application period March 31 EM cap requirements to be completed DFSP annual report due for July 1 program start

Premiums Due February 28

Ohio workers’ compensation premiums are due by the close of business on Friday, February 28, 2014. If you report your payroll and pay your premiums on line at, the BWC will automatically calculate and deduct a 1% Go Green discount.

50/50 Payment Due December 2, 2013

The second 50/50 premium payment is due Monday, December 2, 2013. December 1st is the usual due date but it falls on a Sunday this year, so the BWC has given you until the close of business on Monday to get your payment in.

DEADLINE Payroll Reporting and Premium Payment

The close of business on Tuesday, September 3, 2013 is the deadline to report payroll for the first half of 2013. The usual deadline is August 30, but it’s the Saturday of Labor Day weekend so the next business day is Tuesday.

$15,000 refund from BWC audit

It’s been more than a month since the BWC audit, and my client just got a call saying their biggest manual classification will be changed from one with a base rate of 0.0995 to one with a base rate of 0.0314. The company will get a refund of about $15,000.

What I learned from a recent audit

I like to attend BWC audits with my clients. I can bring clarification for the auditor and minimize changes that are detrimental to my clients. Often I learn something. Here’s what I learned from the latest audit I attended.