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 […]

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 […]

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 […]

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 […]

Don’t Pay Group Rating Invoices Yet!

If you have been getting bills for next year from your current group TPA, do not pay them now.  Here’s why: The deadline to enroll in group rating is the end of February 2013.  Why pay now for services that won’t start until next July? If you haven’t seen the projected discount, how do you […]