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 Wendy Sergent at wendy.s@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.

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.

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 $2,000 per policy period).

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: 3% with a max savings of $5,000.

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.