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 […]
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 […]
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.
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 […]
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 […]
The BWC has redesigned the BWC Learning Center, and if you are in a hurry to complete your 2 hours of safety training before June 30, here’s how to do it.
This one’s easy: Do nothing. Throw out the mailers and ignore the phone calls from other MCOs. You don’t have to explain your choice or get approval from the salesman for a competing MCO.
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.
The deadline to report payroll for the second six months of 2011 is Wednesday, February 29, 2012. You also must pay all or half of the premiums due before the close of business that day. Otherwise, your coverage may lapse.
To pay your premiums online and take full advantage of the information on the BWC website, you must create an e-account. You will need to create an ID and a password. There will not be any secret questions. Normally, when I give instructions for navigating the BWC website, I walk through the steps as I […]