Another Billion Back for December 2020

The Ohio BWC board of directors approved the third Billion Back dividend payment during calendar year 2020.  The newest dividend will be mailed out in mid-December.  Any outstanding amounts due will be deducted and then the balance will be mailed to the employer. The dividend amount is 3.72 times the total premium paid for policy […]

Another Billion Back dividend approved

On 9/25/20, the Ohio Workers’ Compensation Board approved payment of another Billion Back dividend.  The amount will be based on the annual premium paid for policy year 7/1/19-6/30/20. Checks will start going out around the end of October.  I anticipate that all will be mailed before Thanksgiving. The amount of your company’s dividend will depend […]

BWC defers June, July, August payments

In recognition of the disruption of Ohio business due to the corona virus, the Ohio Bureau of Workers’ Compensation is permitting companies to defer their June, July and August installments until September 1, 2020. My recommendation is to pay the installment(s) if you can. Remember that you will report your 7/1/19-6/30/20 payroll to the BWC […]

Ohio BWC promotes safety for Ohio workers

The BWC has just announced that it is sending at least 50 non-medical-grade face coverings to each public and private employer that has coverage with the Ohio Bureau of Workers’ Compensation. The cost of these coverings will not impact a company’s premium rates. This is another example of the Ohio BWC commitment to the health […]

Installment adjustments after true up

If the true up payroll you reported to the BWC this summer was significantly different from your payroll in the 2017-18 policy year, be prepared for the BWC to adjust this year’s Estimated Annual Premium (EAP) and installment payment amounts to match your true up payroll in the 2018-19 policy year. If last year’s payroll […]

88% Billion Back Refund Strategies

This month, Ohio employers in good standing with the Bureau of Workers’ Compensation will be mailed a check for 88% of their premium from the 7/1/17 policy year. If the employer owes a premium installment payment on October 21, the installment will be deducted from the refund. Here are 3 ideas on how to use […]


Every Ohio employer with Ohio coverage must “True-up” between July 1 and August 15, 2017. The premium you have paid was based on estimated payroll and now you must report your actual payroll from July 1, 2016 and June 30, 2017. REQUIRED ELEMENTS Total payroll for each manual classification between July 1, 2016 and June 30, […]

Getting Ohio workers’ comp coverage

On the home page of, 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 […]

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 […]

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 […]