COST-SAVING PROGRAMS

Contact a Regional Manager to discuss which program management strategies and techniques apply to your company by calling 1-888-644-6266 or email regionalmanager@minutemenmco.com

For more information on BWC’s employer programs go to: www.bwc.ohio.gov/employer/

PROGRAM OPTIONS

Drug-Free Safety Program

The Drug-Free Safety Program (DFSP) provides a discount for promoting a work environment free of drugs and alcohol.

Potential Incentive: 4% for DFSP basic; 7% for DFSP advanced.

Go-Green Discount

Employers can help the environment by reducing paperwork and receive a premium discount for getting their payroll report electronically, reporting their payroll and paying premiums in full on www.bwc.ohio.gov

Potential Incentive: 1% premium discount (up to $1,000 every six months).

Grow Ohio Incentive

The program was created to help spur job creation in the state by offering significant discounts on workers’ compensation to new employers. (BWC considers a new employer as a new business entity or an out-of-state business that creates one or more jobs.)

Potential Incentive:

1. The opportunity to join a group-experience-rating program and receive a premium discount - potentially up to 51% - effective on their first day of coverage.
2. An automatic 25% discount on workers’ compensation premiums. - Whichever option you choose, your business can receive a significant discount on workers’ compensation costs at a critical time – while you are getting started.

Industry-Specific Safety

Helps employers improve workplace safety by focusing on risks associated with specific industry types and developing strategies to prevent injuries. Requirements include completion of an online safety and claims management self-assessment and completion of one, two or three loss-prevention activities, depending on the employer’s payroll.

Potential Incentive: 3%

Lapse-Free Discount

Employers that have had no lapses in coverage during the past 60 months can receive a premium discount.

Potential Incentive: 1% premium discount (up to $1,000 every six months).

PEO, Professional Employer Organizations

A staff leasing/professional employer organization (PEO) is a company that enters into a contractual agreement to employ all or part of the work force for a client employer and then leases those workers back to the client employer on a permanent basis. Premiums are paid to the PEO.

Potential Incentive: 0-25% savings below BWC Premium Rates.

Safety Councils

Employers can increase safety awareness and receive a premium rebate by participating in a local safety council. They can earn an additional rebate for reductions in claims frequency and severity.

Potential Incentive: 2% rebate for participation; 2% bonus rebate for performance.

Transitional Work Bonus

Employers with an approved transitional work plan may receive a back-end discount for using it to return injured workers to the workplace in a safe, timely manner.

Potential Incentive: 10% bonus for using an established transitional work program; applicable to claims with dates of injury within that policy year.

Transitional Work Grants

Employers that have not received a transitional work grant from BWC in the past may apply for funds to help them contract with certified transitional work developers to establish a transitional work program in their workplace.

Potential Incentive: 10% bonus for using an established transitional work program; applicable to claims with dates of injury within that policy year.

$15,000 Medical-Only Program (15K Program)

The 15K Program allows an employer to pay up to the first $15,000 in medical expenses for employees who suffer work-related injuries that result in seven or fewer lost days from work. This Program is Not Recommended.

• MCOs cannot provide medical case management per BWC policy.
• The employer addresses all treatment requests (C9s).
• The employer medically manages all claims and bills.
• The employer has reporting requirements to CMS (Centers for Medicare and Medicaid Services).
• Failure to comply with CMS reporting guidelines could lead to severe fines.
• Providers are not required to accept the BWC fee schedule.

Potential Savings: Employers will receive minimal savings even when the program is administered properly.