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 […]

BWC Audit Basics

What is the auditor looking for? Are the payroll numbers reported to ODJFS (unemployment comp) and the IRS the same as the payroll numbers reported to the BWC? Are the manuals assigned to the employer correct? Does the employer need additional classifications? Is each employee’s payroll reported under the correct classification? Has the construction workers […]

When paying a little is still too much

My daughter signed up for workers’ comp coverage because she is working as spot labor for a number of people this summer and she wanted to be covered in case she got hurt.  Even before the BWC assigned a policy number, she got a solicitation from a group TPA offering to get her into group […]

Failure to pay workers’ comp results in business being shut down

On 7/25/11, I wrote about a company that had let its coverage lapse in 2006.  Since then, 22 claims have been filed including one death claim.  The business now owes almost $700,000 in premiums, penalties, interest, and claims costs.