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 […]

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 […]

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 […]

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 […]