SNEAKY GROUP RATING SALES TACTICS part 2

In late December or early January, the group TPA sends an offer for retrospective group rating with an URGENT message that the deadline is SOON! If your company already signed up for discount group rating in November, you may have forgotten and might respond to this URGENT OFFER. The BWC will accept your group application […]

OSHA – RECORDING

Companies in specific industries with more than 10 employees are required to maintain injury statistics every year, using Forms 300, 300A and 301.  A set of forms must be completed for each physical location even if all locations are part of the same entity. Injuries must be classified as death, days away from work, days […]

TRUE-UP TIPS FOR OHIO BWC

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, […]

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 […]

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 […]