Workers Compensation Program

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Workers’ Comp Group Rating Program

(January 26, 2012)  January is almost behind us and that can only mean one thing – time is running out to enroll in OGA’s Workers’ Compensation Group Rating Program, administered by CareWorks Consultants (CCI).  Members participating in the traditional group rating program can save up to 53% on premiums paid to the Ohio Bureau of Workers’ Compensation (BWC).  Members enrolled in the group retrospective rating program can save more than 60%. 

If you have not yet requested a group rating proposal, there is still time; but you must act now!  Complete this form and fax it to Shawn Combs at CCI at (614) 210-5889.  Please do this as soon as possible so your enrollment can be processed by BWC’s February 24 deadline.  If you have any questions, please contact Kristin Mullins.

Let OGA Find the Right Solution to Control Your Workers’ Comp Costs

(Nov. 8, 2011) As we approach the end of the year and many grocers are preparing their budgets for 2012, one of the items to consider is how best to keep workers compensation expenses under control.  Let us help find the answer.  Through our partnership with CareWorks Consultants, Inc. (CCI) we can determine your best fit from among traditional group rating plans, group retrospective rating or other alternative rating programs.  We have a solution for you regardless of your scenario – no claims or several, small family grocer or a large chain.

OGA members enrolled in our traditional group rating plans are averaging a 1,320% return-on-investment and employers participating in group retrospective rating plans are saving as much as 60% on workers’ comp premium.

For a no-cost, no-obligation program analysis, simply complete a Temporary Authorization (AC-3) or complete this Temporary AC-3 form.  Feel free to contact OGA Workers’ Compensation Program Manager Shawn Combs at 1-800-837-3200, ext. 7264 if you have any questions.

For those in the OGA Workers Comp Program, see the BWC's Accountability Letter that outlines the safety requirements and responsibilities of all parties involved in the group.

Save significantly on your workers’ compensation premium by joining the Ohio Grocers Association’s (OGA) workers’ compensation program administered by CareWorks Consultants, Inc. (CCI).

We partner with CareWorks Consultants to deliver the most significant cost savings to our members. CareWorks Consultants embraces a results-oriented approach that fully integrates safety prevention and risk control with aggressive claims management to deliver a significant return on investment.  The OGA and CareWorks Consultants can analyze your company to determine the BEST workers’ compensation premium-saving program for you.

Group Rating – CCI’s group rating program is the only plan endorsed by OGA. In 2011 the program’s estimated return on investment averaged 1,320%.

  • Group Retrospective Rating – This program offers premium savings projected as high as 60% and can be a great alternative for companies unable to qualify for traditional group experience rating.
  • Deductible Program – This program offers discounts on premium rates in exchange for accepting a specified deductible amount.
  • 100% EM Cap – Companies becoming penalty rated for the upcoming policy year can have increases to their Experience Modifier (EM) limited, or capped, at 100%, thereby limiting rate and premium increases.
  • Other Alternative Rating & Discount Programs – Drug-Free Safety Program, One Claim Program, Safety Council, Salary Continuation, $15K Medical Only Deductible and others.
  • Self Insurance – Companies pay compensation and medical costs directly for work-related injuries avoiding escalating reserves and premiums charged by the Ohio Bureau of Workers’ Compensation. CareWorks Consultants serves more Ohio self-insured employers than any other third party administrator.

As a result of their best-in-class service, CareWorks Consultants has consistently maintained a 97% retention rate - one of the highest in the industry.  Put their team to work for you and get a a no-cost, no-obligation program analysis.  You may also contact CareWorks Consultants’ Shawn Combs, toll-free, at 1-800-837-3200, ext. 7264.

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