Getting Ohio workers’ comp coverage

On the home page of www.bwc.ohio.gov, select Apply for Coverage.  Read New/Start-up business in Ohio and then click the link.  Read Application for Ohio Workers’ Compensation Coverage (U-3).  Click on each of the links to read about various aspects of starting coverage, like Grow Ohio which enables new policies to qualify for group rating.  Use […]

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 […]

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 […]

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 […]

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 […]

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 […]

San Allen claim form due 10/22/14

If you got a letter in August from San Allen Inc v, Bureau of Workers’ Compensation and you are entitled to a refund, your claim materials must be postmarked by Wednesday, October 22, 2014. Step One:  Fill out the form, using the company name  and policy number used in 2001-2008, plus your current mailing address, title, and […]

San Allen claim form answers

Include a cover letter if there are/were any changes to the Business Name or policy number during 2001-2008, and if there is a difference between the Business Name and the name on the bank account number. The bank routing number is unnecessary.  Somehow the Court can deposit money into the account once it is satisfied […]

San Allen claim form questions

If the Sworn Proof of Claim is deficient, you will have 20 days to cure it. Here are the questions I have already asked.  (The person who called back left the toll free number which does not enable you to talk to a human being.) What if the Business Name has changed since you got […]