Workers Compensation Program

October 22, 2020

Save up to 53% on Your BWC Workers’ Comp premiums

Are you participating in the best Workers’ Comp rating or discount program available for your company, whether it’s group rating or any other BWC program available?

The application deadline is November 3rd. There’s NOTHING to lose! Receive a no-cost evaluation or comparison to your current program.

You could save thousands with the stability of the CareWorks Comp workers’ comp group rating discount program.

In addition to workers’ comp savings, the program includes Unemployment Insurance Consulting Services to assist you with your unemployment insurance needs!

For more information and an application (AC-3 form), contact Bob Nicoll, CareWorks Comp Program Manager at 330-418-1824, or Robert.nicoll@careworkscomp.com.

BWC Dividend
The Bureau of Workers’ Compensation has officially announced that they will provide a 1.5 billion dollar dividend to Ohio employers to ease the economic pressures created by the Covid-19 pandemic. This is the second rebate provided by BWC this year and will return 100% of eligible employers billed premium for the July 1, 2019- June 30, 2020 policy year. Click here for the full details.

Click here for the October Newsletter

Click here for the September Newsletter

OHIO BWC DEFERS PREMIUM INSTALLMENTS: 

The Ohio Bureau of Workers’ Compensation (BWC) is deferring Ohio employers’ premium installments for the months of June, July, and August. Businesses will have the option to defer the monthly premium payments with no financial penalties.

“By extending the premium due date, businesses can continue to focus on the safety and well-being of their employees and customers during this health pandemic,” said Governor DeWine.  This is the second payment deferral BWC has given to employers amid the ongoing COVID-19 pandemic.  The deferral is designed to help employers focus financial resources on re-opening their businesses under the Responsible RestartOhio Plan.

Bureau of Workers’ Comp 2020 Dividend FAQ
The Ohio Bureau of Workers’ Compensation’s Board of Directors approved to send up to $1.6 billion to Ohio employers this spring to ease the economic impact of the coronavirus (COVID-19) pandemic on Ohio’s economy and the business community. While you may be accustomed to receiving dividend checks from BWC, this year’s dividend was not a foregone conclusion. Gov. DeWine has asked his agencies to do everything they can to ease the strain of COVID-19 on Ohioans. Even after the dividend, the net position of the State Insurance Fund for injured workers remains strong due to investment returns, declining injuries, and decreasing reserves. Click here to read the FAQ sheet.

July Newsletter

April Newsletter with COVID-19 updated information!  Click here!

April 3rd email – BWC changes impacting employers programs.

On Sunday, March 15, 2020; Ohio Governor Mike DeWine announced he will be issuing an executive order to make changes to the unemployment system to help mitigate the impact of the novel coronavirus on individuals and businesses that are impacted by quarantines, closures and reductions in work hours.

This order will also give relief to applicants who are not offered paid leave through their job, as well as those who have been quarantined by a medical professional, their employer, or whose employers must temporarily close. Those who apply for unemployment under these circumstances will be exempt from the requirement that they be actively seeking work.

Source: Ohio Department of Health

Below is a FAQ sheet that covers the proposed changes that have been posted to the Ohio Department of Jobs and Family Services:

Questions and Answers:

 

1. Will workers qualify for unemployment benefits if the coronavirus (COVID-19) causes the employer to shut down operations?

An executive order issued by Governor DeWine expands flexibility for Ohioans to receive unemployment benefits during Ohio’s emergency declaration period. Unemployment benefits will be available for eligible individuals who are requested by a medical professional, local health authority, or employer to be isolated or quarantined as a consequence of COVID-19, even if they are not actually diagnosed with COVID-19. In addition, the waiting period for eligible Ohioans to receive unemployment benefits will be waived.

2. If an employer lays off employees due to the loss of production caused by the coronavirus, will the employees be eligible for unemployment insurance benefits?

Yes, if the employees are otherwise eligible. An executive order issued by Governor DeWine expands flexibility for Ohioans to receive unemployment benefits during Ohio’s emergency declaration period.

3. If an employee receives unemployment benefits as a result of a coronavirus-related business shutdown, will the employer’s unemployment taxes increase?

For contributory employers, charges during Ohio’s emergency declaration period will be mutualized. Reimbursing employers will follow existing charging requirements under Ohio Revised Code Chapter 4141.

4. If an employee receives unemployment benefits as a result of a coronavirus-related business shutdown, can the benefits be charged to the mutual account?

Yes, an executive order issued by Governor DeWine allows unemployment benefit charges to be mutualized for contributory employers. In addition, the Ohio Department of Job and Family Services will waive penalties for late reporting and payments during Ohio’s emergency declaration period.

5. If an asymptomatic employee imposes a self-quarantine because of the coronavirus, will they be eligible for unemployment benefits?

In most cases, no. Unemployment benefits are available to individuals who are totally or partially unemployed due to no fault of their own. In this example, the individual-not the employer-is choosing not to work and, therefore, would be ineligible. However, the facts of each circumstance are important. If the employer allowed this individual to telework, they would not qualify for benefits because they would not be unemployed. If the employer required the individual to stay home but did not offer telework, the individual might be eligible for benefits if they met the monetary and weekly eligibility criteria.

6. If an employee is in mandatory quarantine because of suspicion of having the coronavirus, will they be eligible for unemployment benefits?

Yes, an executive order issued by Governor DeWine states that employees who are quarantined are considered to be unemployed.

7. If the coronavirus creates a situation that causes an employer to submit quarterly reports and/or payments late, will the filing deadline be extended?

Yes, an executive order issued by Governor DeWine waives penalties for late reporting and payments during Ohio’s emergency declaration period.

Questions about COVID-19?

Visit coronavirus.ohio.gov or call 1-833-4-ASK-ODH for answers.

Questions for CareWorks Comp? 

Email us at unemployment@careworkscomp.com.

Source:  Ohio Department of Jobs and Family Services


Maximize your savings with the Ohio Grocers Association’s (OGA) workers’ compensation programs through CareWorks.

OGA partners with CareWorks Comp to deliver the most significant cost savings to our members.  Our team at CareWorks Comp embraces a results-oriented approach that fully integrates safety prevention and risk control with aggressive claims management to deliver a significant return on investment.  In fact, participating OGA members are saving over $1.5 million in the current policy year period alone!  OGA and CareWorks Comp can analyze your company to determine the best alternative rating program for you.

OGA sponsors two group savings programs – traditional group rating and group retrospective rating.  In addition to premium savings, CareWorksComp provides OGA members comprehensive claims management, hearing representation, unemployment consultation, risk management and safety services.  CareWorks Comp also provides these services for self-insured employers.

See Real Savings!

Traditional Group Rating

  • Up-front premium discount
  • Members saving over $1,800 on average
  • Approximately half of participating members saving BWC-max discount of 53%
  • 428% Return-on-Investment….for every $1 in administrative fees, members get that dollar back plus another $4.28!

Group Retrospective Rating

  • Retroactive rebate program with savings determined by overall performance of group
  • Members saving over $21,000 on average
  • Over a 975% Return-on-Investment

Start Saving NOW!

For a no-cost, no-obligation program analysis, simply call OGA Program Manager Cordell Walton at (614) 827-0398 or email him at cordell.walton@careworkscomp.com.  You may also submit an online application at  www.careworks.com/groupratingapplication/OhioGrocers

OGA Testimonial

wally-wagner-2

“One of the reasons we joined OGA was because of the workers’ comp program.  We started on the traditional plan and later moved to group retro.  The premium savings are great and the service has been exceptional.

The staff at CareWorks Comp has always been there to answer anything I’ve ever asked.  All in all, it’s been a really good program for us.”

Wally Wagner, Wagner’s IGA, Minster, OH

Start Saving NOW!

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Latest Workers’ Compensation Documents:

Group Rating Accountability Letter July 2020

Latest Workers’ Compensation Application Deadlines: 
 

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Thank You for Supporting Ohio’s Food Industry

When you choose the Ohio Grocers Association’s group rating program, you are supporting your industry. We value your membership and want you to make the right decision on group rating for the health of your business.


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