North Eastern Store Owners, Inc.
NESO APPROVED Workers' Compensation Group Rating Program

BWC PY2014
Group Safety Accountability Letter: click here

See CCI PRESS RELEASES Below

The Workers’ Compensation Group Rated Program through CCI could save your company significant money on your worker’s comp premium. In one year alone, --

CareWorks Consultants Inc. (CCI) is proud to be the administrator of the NESO workers’ compensation group rating program. The chamber’s group participants are projected to save over $216,000 on average in 2009 due to program stability and comprehensive quality services.

NESO members saved $216,000 on their workers’ comp premiums!

CCI analyzes each employer’s unique claim and premium history to find the highest level of savings – from the BWC maximum to a lesser percentage for companies with claims. For more information, or for a no-cost, no-obligation quote of your potential premium savings, contact Kirsten Gibson,

Fact: Over 75,000 Ohio employers are in a workers’ compensation group. Most employers not in groups are paying much more than those in groups. CCI offers

NESO’s CCI representative, Shawn Combs at 614-526-7264 or visit www.careworksconsultants.com/groupratingapplication/DQOA .NESO members multiple savings levels from the BWC maximum to a lesser percentage, for companies with claims. The multiple levels of savings can possibly prevent you from losing your group rating discount once a claim occurs, simply dropping you down to a lower tier.

 About CCI: As the largest workers’ compensation third party administrator in Ohio, CareWorks Consultants, Inc. (CCI) provides best-in-class service to more than 26, 000 customers. CCI has been serving Ohio employers since 1950.

Even if your company is enrolled in another workers’ compensation group rating program, you should compare your current program to the NESO’s group rating program through CCI. To receive a no-cost, no-obligation analysis of your potential premium savings through

Shawn Combs
Account Executive
CareWorks Consultants, Inc.
Phone: 614-526-7264
Fax: 614-210-5535
shawn.combs@ccitpa.com

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CCI  PRESS RELEASES------

 

PRESS RELEASE

August 2013

FOR IMMEDIATE RELEASE

BWC Announces Mandatory Group Sponsor Training Dates

2013 Group Rating Annual Safety Training

As a group-experience or group-retrospective rating program sponsor for the January 1, 2013 public rating year or July 1, 2013 private rating year, your organization is required to attend annual training as per OAC 4123-17-68.

 

You may select the one training date most convenient to you. The training will be presented from the BWC Auditorium at 30 W. Spring Street in Columbus (2:00 to 4:00 pm) and broadcast to BWC service offices in Canton, Garfield Heights, Governor's Hill, Toledo, Lima, Mansfield, Youngstown, Cambridge, Dayton and Portsmouth.

 

Training dates are:

Monday, October 21, 2013

Monday, November 4, 2013

There will be no make-up training dates. Failure to attend one of these two training dates may result in sponsor decertification. Please make every effort to have a staff or board member in attendance to represent your organization.

 

Advanced registration is requested. Questions regarding the training may be directed to safetygrouprating@bwc.state.oh.us.

 

To register:

1.       Go to https://www.bwclearningcenter.com.

2.       Enter your Login ID and Password**, Click Log In.

3.       Clickhere for Course Catalog.

4.       Enter keyword ‘Group 2012’ for your desired training date and location and Click Search.

5.       Click the course title in which you would like to enroll.

6.       Click the location for the date you wish to attend.

7.       Click Enroll.

8.       Mouse up and click on Home to return to your Homepage

 

First-time users**:

1.       Select Create New Account at the bottom of the Learning Center homepage.

2.       Enter a login id and password, then confirm password.

3.       Add email address.

4.       Click Create, and then return to registration instructions above.

 

For assistance with registering please contact BWC at 1-800-OHIOBWC.  If you any have further questions please contact your CareWorks Consultants Program Manager toll-free at, 1-800-837-3200.

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April 2013

 

FOR IMMEDIATE RELEASE

 

 

Select Destination: Excellence Programs Deadlines Approaching

 

 

100% EM Cap Program

The 100% Experience Modifier Cap is a program offered by the Ohio Bureau of Workers’ Compensation

(BWC) that limits the premium increase for employers from one year to the next as can be the case when an employer becomes penalty rated and is removed from a group rating program. In essence, this program limits an employer’s EM% increase to no more than double the previous year’s EM percentage.

  • Year 1: Employer must attend an industry-specific, half-day training program.
  • Subsequent Years: Employer must attend an on-line training class.

Training must be completed by the end of March for the policy year of participation (a BWC policy year is July 1 – June 30).

 

Drug-Free Safety Program

The Drug-Free Safety Program (DFSP) is a safety/loss prevention program offered by the Ohio Bureau of Workers’ Compensation (BWC). DFSP rewards employers for implementing a program designed to reduce the risk of workplace accidents and injuries attributed to the use of alcohol and other drugs. There is no limit to the number of years an employer can participate.  July 1 start date application deadline: Last business day in April.

 

Industry-Specific Safety Program

The Industry-Specific Safety Program was developed to encourage Ohio’s employers to use the many safety services and programs available through the Ohio Bureau of Workers’ Compensation (BWC) Division of Safety & Hygiene. The program’s goal is to raise awareness among employers and workers through the completion of an online safety assessment; provide year-round training and education opportunities; and provide tailored consultations that address safety issues in the workplace.  Deadline for Private Employers: Last business day in April.

 

Transitional Work Grant and Performance Bonus

The Transitional Work Bonus Program (TWBP) was developed to reward employers who use transitional work plans to facilitate early return to work for employees with workplace injuries. This program is available to eligible state-fund private employers and public employer taxing districts.  July 1 - June 30 program period deadline: Last business day in April – Private employers only.

 

One Claim Program

The One Claim Program (OCP) is designed by BWC to help employers who have lost group rating status because of one significant claim.  The program can reduce their future premium payments by as much as 20% during the first year of participation. The safety requirement of the OCP must be completed by the last business day in April.

 

For further questions about any deadlines for these programs, please contact CareWorks Consultants at
1-800-837-3700.

 

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April 2013

FOR IMMEDIATE RELEASE

 

 

Group Retrospective Program Offers Employers

Opportunities to Save on Their Premiums

 

 

What is Group Retrospective Rating?

Group Retrospective Rating is a program where BWC-certified group sponsors pool employers of like industry that meet their criteria for safety and claims management practices. As total future claim costs of the group stay under the group’s premiums paid, the group members receive a premium refund of their individual premiums paid. CareWorks Consultants has created three tiers with different projected savings levels for each industry group. The three levels are:

  • Platinum (71% - 78% refund);
  • Gold (56% - 64% refund); and,
  • Silver (30% - 39% refund).

 

Considerations before Joining

Employers who wish to take part in group retrospective rating must fully understand the risk involved. If the group’s claim costs exceed the group’s premiums paid, the entire group of employers will pay a premium assessment. This assessment is capped at a percentage of the employer’s individual annual premium. CareWorks Consultants thoroughly reviews each group member’s accident and claim history and in some cases their safety program prior to acceptance into all CareWorks Consultants group retrospective rating programs we administer. CareWorks Consultants works aggressively and proactively to help our group retrospective rating clients prevent injuries and control costs to maximize the benefits of the program for all participants.

 

Paying your Premiums

Group retrospective rating employers continue to pay their semi-annual premiums (at their individual rates) to BWC, as if they were not in a group.

  • If new claim costs remain under the premiums paid for the group as a whole, rebates will be issued by BWC at 12, 24 and 36 month intervals after the policy year ends.
  • Employers that maintain participation in the group retrospective program for multiple years can continue to get multi-year rebates.

 

Deadlines to Enroll

Employers who are interested in enrolling in this program must return their paperwork back to CareWorks Consultants by April 26, 2013.

 

To discuss your unique savings situation or receive a new copy of your retro quote, please call CareWorks Consultants’ knowledgeable Sales Assistants toll-free at 1-800-837-3200.

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PRESS RELEASE - NOVEMBER 2012

FOR IMMEDIATE RELEASE


Group and Group Retro Rating Enrollment
Packets Mailed - Send in your Forms Soon!


Savings quotes and enrollment packets for CareWorks Consultants’ Workers’ Compensation Group Rating and Group Retrospective Rating Programs have been sent to qualifying applicants.
    
Qualifying companies should return the forms immediately to CareWorks Consultants to ensure enrollment in our 2013-2014 group rating program.  Our deadline for receipt of enrollment forms is February 22, 2013.

Companies currently enrolled in a CareWorks Consultants Group Rating Program do not have to re-apply and will not receive an enrollment packet.  Renewal for the 2013-2014 group rating year is automatic as long as your company continues to meet the re-enrollment criteria.

If your company has not requested a no-cost, no-obligation quote for the 2013-2014 policy year, please contact CareWorks Consultants today at 1-800-837-3200 or apply online at www.careworksconsultants.com/groupratingapplication.  

Because group rating has a limited window for enrollment, it is important to apply immediately for the 2013-2014 plan year!  The deadline to request a quote is February 15, 2013, so complete and return your application to CareWorks Consultants as soon as possible.  

The deadline to make a decision will approach quickly!  Get a quote now so you can budget appropriately for your workers’ compensation cost.    Call CareWorks Consultants at1-800-837-3200 and ask to speak to a sales assistant to discuss your potential savings.  Choose a partner with a record of not only savings, but reliable service!

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FOR IMMEDIATE RELEASE - NOVEMBER 2012


Unemployment Contribution Rate Determination
Form Distributed in November


The Ohio Department of Job and Family Services (ODJFS) will be sending employers their 2013 Contribution Rate Determination form later in November.  This form notifies employers of their unemployment tax rate for the upcoming year.  
A review of this document is important and the following action should be taken if applicable to your account:
 Appeal the tax rate if there are discrepancies in any information used to determine this rate.  ODJFS allows employers 30 days from the mailing date of the tax notification to submit their appeal.
 Review your option to “buy down” this rate by making a voluntary contribution by 12/31/12.  A voluntary contribution calculation should be completed to determine if there is a savings to your business at the lower rate.    
 Commonly owned businesses can apply for a “joint rate” if this provides savings opportunities to your businesses.  A common rate study should be completed before making this decision and the request submitted to ODJFS by 12/31/12.     

CareWorks Consultants offers unemployment assistance with tax rate matters in addition to claims, benefit charges and hearing management.  The experienced unemployment team at CareWorks Consultants can assist your business to help prevent overcharging by ODJFS and mitigate costs on any unemployment claims.
To learn more about our unemployment cost control program please contact Kammy Staton at 800-837-3200 ext. 7165 or 614-526-7165.   

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FOR IMMEDIATE RELEASE - September 2012

New Group Retrospective Rating Programs

Projected to Refund $48 Million!

Premium refunds of $48,000,000 are projected for employer participants in CareWorks Consultants’ workers’ compensation Group Retrospective Rating programs, representing an average of $28,000 per employer.  This outstanding performance has spurred more than a 3,000% increase in the number of employers participating in a CareWorks Consultants’ plan since the programs were introduced in 2009.  CareWorks Consultants’ most recent group filing included nearly 1,200 Ohio employers.

CareWorks Consultants risk analysis, loss prevention and claims management combine industry leading experience with a commitment to exceed expectations.   The current projection for 3-year premium refunds in CareWorks Consultants’ managed programs ranges from 33% to 70%.  The average 3-year premium refund per participants is projected to be more than $28,000.

“Our unmatched results are driven by our unique ability to utilize the breadth of resources available within the CareWorks Family of Companies to proactively help our clients prevent injuries and control costs”, says Andre Bradley, Vice President of Program Sales & Service.  “The coordination of our resources, combined with our extensive underwriting and performance analysis capabilities and our mission to exceed customer expectations help us maximize the benefits of the program for all participants,” he says.

CareWorks Consultants is beginning to evaluate Ohio employers for the July 1, 2013 program.  For more information or to schedule a free evaluation, please contact CareWorks Consultants at, toll-free, at 1-800-837-3200.

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Mobile Phone Rule Changes:

How CMV Drivers Communicate on the Road

All drivers of Commercial Motor Vehicles (CMV) should know by now about the new rule restricting

their use of hand-held mobile telephones and devices.  This rule was adopted by the Federal Motor

Carrier Safety Administration (FMCSA) and the Pipeline and Hazardous Materials Safety

Administration and went into effect on January 3, 2012.  

The purpose of the rule is to help reduce distracted driving and prevent roadway accidents, injuries

and fatalities.  According to the FMCSA, the odds of a driver being involved in a safety-critical event,

such as an unintentional lane deviation, crash or near-crash, are 6 times greater when dialing a

mobile phone while driving than when not doing so.  Similarly, CMV drivers are 23 times more likely

to be involved in a safety-critical event while texting and driving versus when not texting and driving.

Therefore, the rule restricts CMV drivers from reaching for or holding a mobile telephone while

operating their vehicle, or pushing more than one button to operate the device. What this means is

that the device must either be mounted or otherwise securely within reach at the control panel.  In

short, CMV drivers who use a mobile phone while driving can only operate a hands-free phone

located in close proximity and cannot unsafely reach for a device, hold a mobile phone, or press

multiple buttons.  

So what are drivers still permitted to do?

 Locate the mobile phone so it is operable by the driver while restrained by properly adjusted

safety belts.

 Utilize an earpiece or the speaker phone function.

 Use voice-activated or one-button touch features to initiate, answer, or terminate a call.

Drivers found not in compliance with these rules can face civil penalties of $2,750 and disqualification

for multiple offenses.  In addition, employers are prohibited from requiring or allowing their drivers

to text or use a hand-held mobile phone while driving and may be subject to civil penalties up to

$11,000.

CMV drivers wishing to comply with the new rules and improve roadway safety can follow FMCSA’s

simple slogan:  No Call, No Text, No Ticket!   

 

For more information, please contact RiskControl360’s Group Safety Coordinator, Lisa Shaver at (877) 3603608 ext.2367.


This article is published by RiskControl360° LLC .  While the information in this publication has been compiled from sources & documents believed to be

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FOR IMMEDIATE RELEASE - August 2012

Sizzling Hot Temperatures

Watch out for Heat Related Illnesses

It’s hot and humid, and the summer temperatures are climbing! Unless you’re in an air-conditioned environment, you’re most likely sweating and uncomfortable. You’re probably tiring more easily, and you may be working and moving more slowly, too. What you really need to be concerned about is the heightened risk of heat-related illnesses.

According to the Bureau of Labor Statistics (BLS) Census of Fatal Occupational Injuries (CFOI) data, 230 heat- related deaths have occurred from 2003 – 2009 with 81 (40%) of these fatalities in the construction industry. Over that same time period, 15,370 heat-related injuries/illnesses requiring days away from work have occurred with 4,110 (27%) of these injuries/illnesses in the construction industry.  It is necessary for employers and their employees to be able to recognize heat-related symptoms and know what to do to combat heat- related illnesses.

•  Heat cramps are painful muscle spasms in arms, legs, or abdomen (intestines) caused by losing body salt while sweating.

   What to do: Have worker rest in shady cool area. Hydrate by drinking water, clear juice or a sport or vitamin drink that contains electrolytes.

•   Fainting may be a problem in the heat, especially if you spend a lot of time standing in one place.

   What to do: Sit or lie down with feet slightly elevated. Also moving around, rather than standing still, reduces the risk of fainting in the heat.  Keep hydrated with clear liquids.

•  Heat exhaustion can make you feel weak and possibly dizzy and/or nauseous.  Other symptoms include headache, chills, clammy skin and profuse sweating.

   What to do: Rest in a cool spot, preferably sit or lie down with feet slightly elevated and drink plenty of fluids.  If your condition doesn’t improve, seek medical attention. Following an incident take it easy for a few days and reduce your pace of activity—especially if excessive heat continues to be a factor.

•  Heat stroke is life-threatening.  Emergency medical attention is required.  A victim of a heat stroke stops sweating, causing the body to overheat.  Symptoms include hot and flushed skin, very high body temperature, confusion and possibly followed by loss of consciousness.

   What to do: Call 911. While waiting for the EMT’s to arrive, move the victim to a cool place, sponge with cold water, apply ice packs or cold drink cans or immerse in cold water. Provide water or clear fluids only if the person is conscious.

For more information, please contact RiskControl360’s Group Safety Coordinator, Lisa Shaver at (877) 360-3608 ext. 2367.

 

This article is published by RiskControl360° LLC .  While the information in this publication has been compiled from sources & documents believed to be reliable, accuracy is not guaranteed, nor is any responsibility assumed or implied for any damage or loss resulting from inaccuracies/omissions. Publisher is not engaged or rendering legal advice. Discuss any questions with your attorney.     Doc#LS-03; June 2012

5500 Glendon Court-Suite 360-Dublin-OH-43016

1-877-360-3608|www.riskcontrol360.com

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 FOR IMMEDIATE RELEASE - June 2012

RiskControl360° Strives to Help Clients Save Money


As a member of the CareWorks Family of Companies, RiskControl360° is a consulting firm that helps clients optimize safety management for maximum return on investment.  Our certified and experienced consultants understand the intricacies of the Occupational Safety and Health Administration (OSHA) regulations and workers’ compensation cost drivers.  As a result, we develop comprehensive workplace safety and risk management programs that produce measurable results.  Our consulting practice began in 2007, and since that time we have saved clients over $13 million in workers’ compensation costs.  Last year, we assisted clients with reducing over $164,000 in OSHA citations.

The industries serviced by RiskControl360° primarily include manufacturing, construction, transportation, healthcare, commercial, service, food service & government.  Our typical client is an organization that does not have the resources or expertise to reduce workers’ compensation costs or maintain compliance with OSHA, EPA or DOT regulations.

Our clients express the need for a consulting firm capable of quantifying savings and committed to measuring the return-on-investment in consulting services.  Improving safety, reducing workers’ compensation costs and maintaining OSHA, EPA and DOT compliance requires time and money.  We assist our clients with finding the necessary funds, quantifying savings, and measuring performance.

RiskControl360° consultants are available to help in the following areas:

 Outsourced (Part-Time) Safety Department
 OSHA, EPA & DOT Citation Management
 OSHA, EPA & DOT Compliance Audits
 Written Environmental, Health & Safety Manuals
 Onsite Environmental, Health & Safety Training
 Safety Business Plans (Return-On-Investment Calculation)
 Injury Frequency & Severity Benchmarking
 Safety Committee Management
 Online Safety Training

To learn more about these and additional risk management services, contact RiskControl360° at 1-877-360-3608.

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FOR IMMEDIATE RELEASE - June 2012

Safety Council Rebate Incentive Program Deadline Approaching


The deadline to enroll in Ohio Bureau of Workers’ Compensation’s (BWC’s) Safety Council Rebate Incentive Program for the 2012 policy year is approaching.  State funded employers who wish to participate in the program must join a local safety council by July 31, 2012.

In order to receive the discount, employers must also:
 Send a company representative to ten meetings between July 1, 2012 and June 30, 2013; at least eight of which must be through the local safety council.  Employers can get credit for up to two meetings through attendance at industry specific or BWC safety training courses;
 Send a qualified senior-level manager to a safety council sponsored meeting; and,
 Submit semi-annual workplace accident reports for the 2012 calendar year.

Employers can earn a 2% premium rebate for meeting all of the participation eligibility requirements.  Employers may earn an additional 2% performance rebate by reducing either their frequency or severity of workplace injuries by 10%, or by maintaining both frequency and severity of workplace injuries at zero.

Employers enrolled in a traditional group rating program are permitted to “stack” the performance rebate with group discounts.  Employers enrolled in a group retrospective rating program are permitted to “stack” the participation rebate.  Employers not enrolled in traditional group rating or group retrospective rating programs have the opportunity to earn the full 4% rebate.

BWC’s Division of Safety & Hygiene sponsors more than 80 safety councils around the state.  Safety councils are organized through chambers of commerce, trade associations, American Red Cross chapters and other safety-oriented organizations.  A complete list of safety councils is available on BWC’s website www.ohiobwc.com, and can be accessed by following the links to “Safety Services” and then to “Safety Services/Safety Councils.”

Any questions or requests for further information regarding the Safety Council Rebate Incentive Program can be answered by calling CareWorks Consultants, toll-free, at 1-800-837-3200.

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FOR IMMEDIATE RELEASE May 2012


2012 MCO Open Enrollment Period



The 2012 Open Enrollment period is currently underway and runs from April 30 – May 25, 2012.  During this time, Ohio employers will have the choice in who will medically manage their workplace injury claims for the next two years.

Employers can send enrollment forms to their preferred Managed Care Organization (MCO) until 5:30 p.m. on Friday, May 25.  

CareWorks Consultants highly recommends your company enrolls with CareWorks during the 2012 MCO Open Enrollment!

 CareWorks achieved the #1 return to work performance on BWC’s 2012 MCO Report Card. [Source:  BWC 4th Quarter 2011 DoDM Scores Final, April 17, 2012]

 CareWorks also achieved the #1 return to work performance of all MCOs over a nine year period.  [Source:  Average of BWC’s Quarterly MCO DoDM Results from 1st Quarter 2003 through 4th Quarter 2011.]

If you are already enrolled with CareWorks as your MCO, you need not do anything during this year’s MCO Open Enrollment, you will be automatically re-enrolled with CareWorks.

For more information or to get a 2012 enrollment form, please call CareWorks’ Open Enrollment team, toll free at 1-888-627-7586 or visit online at www.careworksmco.com.  Don’t miss out on this important opportunity to have your workplace injury claims managed by CareWorks.

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PRESS RELEASE May 2012

FOR IMMEDIATE RELEASE



BWC Extends Deadlines for Two Programs of Destination Excellence


Ohio Bureau of Workers’ Compensation (BWC) announces the application deadline for the Transitional Work Bonus Program and the Industry Specific Safety Program has been extended to May 25, 2012.

Program Overviews:

 Industry-Specific Safety Program
Establishes a 3% discount for employers who agree to complete a safety risk assessment and provide employer-specific safety data to the BWC upon request.  Depending on size, employers will be required to complete one, two or all of the following activities:
 Industry-specific safety classes offered by the Division of Safety & Hygiene;
 On-site safety consulting with BWC staff; and/or
 Attend BWC Safety Congress.  

 Transitional Work Grant Program & Bonus
Provides a grant for employers to establish a transitional work plan and a bonus for employers who use the plan to return an injured employee to work.

For more information on how you can take advantage of these new programs, please call your CareWorks Consultants’ Program Manager toll-free, at (800) 837-3200.

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PRESS RELEASE April 2012

FOR IMMEDIATE RELEASE


BWC’s Destination Excellence & Alternative Rating Program Changes


The Ohio Bureau of Workers’ Compensation (BWC) has approved a number of changes to its alternative rating programs.  These changes are designed to encourage meaningful behaviors by employers.  Specific areas of focus are injury prevention, loss control and return-to-work efforts.

Taken together, the significance of these changes is that the maximum allowable discount through traditional group experience rating has increased to 53% for the 2012 policy year from its prior 51% ceiling.  

BWC has branded these changes and new programs, Destination Excellence.  Below is a summary of the changes made to various existing programs as well as new initiatives created to improve loss control and employer behavior.

The changes to the existing alternative rating programs are listed below:

 100% EM Cap Program (effective 7/1/2012)
 Eliminated the requirement for an employer to be penalty-rated in order to qualify.  Under the new rules, any employer whose individual experience modifier increases more than two-fold , even those who remain base or credit-rated could limit their increase in premium.  
 Eliminated the requirement to implement the 10-Step Business Plan for Safety and replaced it with a requirement to complete an industry-specific half-day training during the first year of participation and online training classes in subsequent years.  

 Small Deductible Program - Deductible Levels of $500 - $10,000 (effective 7/1/2012 with an enrollment deadline of  4/30/12)
 Payments made under the small deductible program are excluded from employers’ experience and therefore will no longer negatively impact rate calculations.  

 One Claim Program - (effective 7/1/2012 with an enrollment deadline of  4/30/12)
 Reduces the discount to 20% year one, 15% year two, 10% year three and 5% in the fourth year of participation.  The current One Claim Program discount is 40% for all four years.

BWC’s new programs are listed below:

 Industry Safety Discount (effective 7/1/2012 with an enrollment deadline of 4/30/12)
Establishes a 3% discount for employers who agree to complete a safety risk assessment and provide employer-specific safety data to the BWC upon request.  Depending on size, employers will be required to complete one, two or all of the following activities:
 Industry-specific safety classes offered by the Division of Safety & Hygiene;
 On-site safety consulting with BWC staff; and/or
 Attend BWC Safety Congress.  

 Transitional Work Grant Program & Bonus (effective 7/1/2012 with an enrollment deadline of 4/30/2012 or an enrollment deadline of 10/30/2012 for a 1/1/2013 start date)
Provides a grant for employers to establish a transitional work plan and a bonus for employers who use the plan to return an injured employee to work.

 Administrative Discounts (effective 7/1/2012)
 Go Green Discount
    Designed to reward employers for paying premiums online and on time, the “Go Green” discount provides a 1% premium discount (up to a maximum of $1,000 per six months) to employers who elect to receive their payroll report, report payroll and pay their premiums through ohiobwc.com.  Participants must also make first reports of injury online (if they are the party filing the claim).  The “Go Green” discount is not available to employers using the FlexPay Program, the 50/50 program or report no payroll.
 Lapse Free Discount
    Employers who have not lapsed for the preceding 60 months (5 years) will receive a “Lapse-Free” discount of 1% (up to a maximum of $1,000 per six months).  This discount will not be available to employers reporting no payroll.

 Claim-Free Discount (effective 7/1/2013)
The “Claim-Free” discount will be applied to employers who have not incurred a compensable injury for one calendar year AND maintains a safety committee.  

 Program Compatibility (effective 7/1/2012)
 Drug-Free Safety Program is now compatible with group rating and the 15K Program.
 The 2% Safety Council participation discount is available to employers in the Group Retrospective Rating Program.
 One Claim Program and 100% EM Cap are NOT compatible with Small Deductible.
 Small deductible program is not compatible with Group Rating.
 Salary continuation is compatible with all programs.
 
Taken together as a package, an employer could effectively reduce their workers’ compensation rates by 59%.  For example, an employer with individual premium of $1,000 in a maximum 53% discount group rating program would see their premium reduced to $470.  The Go Green and Lapse Free administrative discounts would reduce their premium even further to $461.  If this same employer participated in their local Safety Council, the Advanced level of the Drug Free Safety Program and implemented industry-specific safety strategies, they could see their premium reduced to $407.  

For more information on how you can take advantage of these new programs, please call your CareWorks Consultants’ Program Manager toll-free, at (800) 837-3200.

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PRESS RELEASE March 2012

CCI 2012 Seminar Info: click here

FOR IMMEDIATE RELEASE



Group Retrospective Rating Program: An Alternative Savings Option
 

What is Group Retrospective Rating?
Group Retrospective Rating is a program where BWC-certified group sponsors pool employers of like industry that meet their criteria for safety and claims management practices.  As total future claim costs of the group stay under the group’s premiums paid, the group members receive up to three premium refunds of their individual premiums paid.  CareWorks Consultants has created three tiers with different projected savings levels for each industry group. The three levels are:
 Platinum (74% - 78% refund);
 Gold (56% - 61% refund); and,
 Silver (30% - 34% refund).

Considerations before Joining
Employers who wish to take part in group retrospective rating must fully understand the risk involved.  If the group’s claim costs exceed the group’s premiums paid, the entire group of employers will pay a premium assessment.  This assessment is capped at a percentage of the employer’s individual annual premium.  CareWorks Consultants thoroughly reviews each group member’s safety program and claim history prior to acceptance into all CareWorks Consultants group retrospective rating programs we administer.  CareWorks Consultants works aggressively and proactively to help our group retrospective rating clients prevent injuries and control costs to maximize the benefits of the program for all participants.

Paying your Premiums
Group retrospective rating employers continue to pay their semi-annual premiums (at their individual rates) to BWC, as if they were not in a group.
 If new claim costs remain under the premiums paid for the group as a whole, rebates will be issued by BWC at 12, 24 and 36 month intervals after the policy year ends.
 Employers that maintain participation in the group retrospective program for multiple years can continue to get multi-year rebates.

Deadlines to Enroll
Interested employers must apply through a BWC-certified sponsor.  Certified sponsors provide the application and determine whether to include employers in their group retrospective program.
Deadlines for applying are:
 Private, state fund employers – Last business day of April.
 Public employer taxing districts – Last business day of October.
For further information about group retrospective rating, please contact CareWorks Consultants toll-free at, 1-800-837-3200.

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PRESS RELEASE January 2012


FOR IMMEDIATE RELEASE


Ohio Safety Congress & Expo Registration Now Open
2012 Event Features Employee Wellness and Workplace Safety Theme  

 
Registration is now open for the Ohio Bureau of Workers’ Compensation (BWC) 2012 Safety Congress and Expo (OSC12), the largest and longest-running occupational safety, health and workers’ compensation conference in Ohio.  The free, annual event will run March 27-29 at the Greater Columbus Convention Center and registration is available online at ohiobwc.com.

“Safe, healthy workers are the lifeblood of Ohio’s businesses.  Healthy workers are more likely to have a better quality of life, less likely to become injured and have a greater chance for a quick recovery if a workplace accident does happen,” said BWC Administrator/CEO Stephen Buehrer.  “I encourage Ohio employers to attend Safety Congress and learn how a commitment to safety and wellness can benefit their workforce, increase productivity and lower workers’ comp and health-care costs.”

Safety Congress features informative general sessions with nationally-recognized experts, demonstrations and full-day workshops covering the latest safety and health information and techniques.  OSC12 will offer 150 educational sessions and an Expo Marketplace with more than 200 exhibitors offering safety services, industrial supplies, and safety equipment and gear.

Professionals from any of the fields below should consider attending the 2012 Ohio Safety Congress & Expo:

 Company owners, presidents and chief executive officers;
 Safety, health and risk managers;
 Human resource directors;
 Safety officers and consultants;
 Loss prevention and control managers;
 Workers’ compensation managers and directors;
 Health care and wellness personnel;
 Paralegals and attorneys;
 Small business owners;
 Safety committee members;
 Ergonomists; and,
 Industrial hygienists.

For more information, call 614-466-7695 or email SafetyCongress@bwc.state.oh.us.

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PRESS RELEASE December 2011

CONTACT:                                                        FOR IMMEDIATE RELEASE
Kelly Mohr, Marketing Assistant
CareWorks Consultants, Inc.
614.526.7128 / 800.837.3200, ext. 7128


BWC Finalizes Alternative Rating Program Changes


The Ohio Bureau of Workers’ Compensation (BWC) has approved a number of changes to its alternative rating programs.  These changes are designed to encourage meaningful behaviors by employers.  Specific areas of focus are injury prevention, loss control and return-to-work efforts.

The first of these changes was announced when the BWC Board of Directors eliminated the Break Even Factor which was an assessment used in calculating rates for employers in traditional group rating programs.  BWC also adjusted their credibility table to reflect a 53% maximum discount.  Taken together, the significance of these changes is that the maximum allowable discount through traditional group experience rating has increased to 53% for the 2012 policy year from its prior 51% ceiling.  

BWC completed its changes in December by approving a plan branded Destination: Excellence.  Under Destination: Excellence, changes were made to various existing programs, while new initiatives were created to encourage loss control and employer behavior.

The changes to the existing alternative rating programs are listed below:

 100% EM Cap Program (effective 7/1/2012)
 Eliminated the requirement for an employer to be penalty-rated in order to qualify.  Under the new rules, any employer whose individual experience modifier increases more than two-fold – even those who remain base- or credit-rated – would be able to use this program to limit the increase in premium.  This change should increase the number of employers eligible to benefit from the program.
 Eliminated the requirement to implement the 10-Step Business Plan for Safety and replaced it with a requirement to complete an industry-specific half-day training during the first year of participation and online training classes in subsequent years.  These changes will make the program less burdensome and more business friendly.

 Small Deductible Program - Deductible Levels of $500 - $10,000 (effective 7/1/2012)
 Payments made under the small deductible program are excluded from employers’ experience and therefore do not impact rate calculations.  As a result employers will theoretically have lower claims values and reduced rates and premium.

 One Claim Program - (effective 7/1/2012)
 Reduces the discount to 20% in the first year, 15% in the second year, 10% in the third and 5% in the fourth year of participation.  The current discount through the One Claim Program is 40% for all four years.



 Ten-Step Business Plan for Safety (effective 7/1/2012)
 Replaces requirements to implement the 10-Step Business Plan with more tailored safety programs to fit employers’ industry, accident history and size.  Many employers have asked for more industry specific safety programming for a number of years.

BWC’s new programs are listed below:

 Industry Safety Discount (effective 7/1/2012)
Establishes a 3% discount for employers who agree to complete a safety risk assessment and provide employer-specific safety data to the BWC upon request.  Depending on size, employers will be required to complete one, two or all of the following activities:
 Industry-specific safety classes offered by the Division of Safety & Hygiene;
 On-site safety consulting with BWC staff; and/or
 Attend BWC Safety Congress.  

 Transitional Work Grant Program & Bonus (effective 7/1/2012)
Provides a grant for employers to establish a transitional work plan and a bonus for employers who use the plan to return an injured employee to work.

 Administrative Discounts (effective 7/1/2012)
 Go Green Discount
    Designed to reward employers for paying premiums online and on time, the “Go Green” discount provides a 1% premium discount (up to a maximum of $1,000) to employers who elect to receive their payroll report, report payroll and pay their premiums through ohiobwc.com.  Participants must also make first reports of injury online (if they are the party filing the claim).  The “Go Green” discount is not available to employers using the FlexPay Program, the 50/50 program or report no payroll.
 Lapse Free Discount
    Employers who have not lapsed for the preceding 60 months (5 years) will receive a “Lapse-Free” discount of 1% (up to a maximum of $1,000).  This discount will not be available to employers reporting no payroll.

 Claim-Free Discount (effective 7/1/2013)
The “Claim-Free” discount will be applied to employers who have not incurred a compensable injury for one calendar year AND maintains a safety committee.  

 Program Compatibility (effective 7/1/2012)
 Drug-Free Safety Program is now compatible with group rating and the 15K Program.
 The 2% Safety Council participation discount is available to employers in the Group Retrospective Rating Program.
 One Claim Program and 100% EM Cap are NOT compatible with Small Deductible.
 Small deductible program is not compatible with Group Rating.
 Salary continuation is compatible with all programs.
 
Taken together as a package, an employer could effectively reduce their workers’ compensation rates by 59%.  For example, an employer with individual premium of $1,000 in a maximum 53% discount group rating program would see their premium reduced to $470.  The Go Green and Lapse Free administrative discounts would reduce their premium even further to $461.  If this same employer participated in their local Safety Council, the Advanced level of the Drug Free Safety Program and implemented industry-specific safety strategies, they could see their premium reduced to $407.  

For more information on how you can take advantage of these new programs, please call your CareWorks Consultants’ Program Manager toll-free, at (800) 837-3200.