Ohio employers have started receiving notifications from Ohio BWC regarding their rates and EMR for the approaching 2023 policy year. If your business is one of the lucky ones to see a rate decrease, congratulations! If your business is one of the thousands of policies that are seeing an increase, or your EMR isn’t going to help you win any bids - it may be time to explore different options. We know that the phrase “PEO” can make some employers gasp at the thought of sacrificing control for lower workers’ comp premiums, or an aesthetically pleasing EMR – but not all PEOs are created equal.
Spooner Risk Control Services designed SuretyHR to be a very different PEO (Professional Employer Organization) than the ones employers have told us so many stories about. We don’t need to take over your day-to-day operations, or make you change brokers and retirement plan administrators. We have solutions for those services if you need them – but if it’s not broken, we won’t insist on fixing it.
SuretyHR was built to improve and support your business, and free up time for management and owners to focus on the important things. Instead of spending time behind the scenes, leadership stays in front of the business to focus on employee engagement, business development, client retention, and creating cultures that retain the best talent.
Employers happy with their BWC rates and EMR can still benefit from partnering with a PEO to manage compliance. The time and stress related to payroll will decrease substantially – including taxes, deductions, and FLSA standards like overtime and minimum wage requirements. Aside from payroll – think of all the time spent on regulatory compliance. FMLA, OSHA, DOL, new hire paperwork and onboarding, and even unemployment claims can be a major time suck for management. Nearly half of small businesses report spending as much as 10-20 hours per month on regulatory compliance. With SuretyHR, you’ll stay updated and compliant on the constantly changing federal and state regulations. Between our workers’ comp, payroll, safety and HR experts – you’ll be in very good hands, and those hours can now be more productive.
The Emerald City ran like a finely-tuned machine, with most onlookers unaware that there was someone behind the curtain keeping all of the tops spinning. If you want that kind of support for your organization, let us show you what it could look like.
Posted By Brandy King
October 28, 2024
Category: Ohio Bwc, Group Rating, Group Retro, Premium Savings
The clock is ticking on Group Rating enrollment for the 2025 Ohio BWC policy year! The deadline for Group Rating paperwork is November 15, 2024. The Group Rating program provides upfront premium savings for qualified Ohio employers. If you are a Spooner client and are eligible for Group Rating, you should have already received your program renewal from us. If you haven’t, please reach out to your client services manager. If you’d like to receive a quote for Group Rating from Spooner Inc., we can accept requests through Wednesday, November 6. You can complete an authorization online by visiting this page. Keep in mind that waiting this long for a quote means you’d have a maximum of one week to make your decision once you receive it. No one likes feeling rushed, so we’d suggest getting your request in as soon as possible! Not all Ohio employers are eligible for Group Rating, and may want to consider the Group Retrospective program enrolls through January 27th. Usually referred to as Group Retro, employers enrolled in this program will see savings down the road once actual vs. expected losses are measured. For businesses that aren’t eligible for Group Rating, and don’t have the flexibility of waiting to see savings, we’d also encourage you to explore SuretyHR, our self-insured PEO (professional employer organization). SuretyHR is an alternative to being insured by Ohio BWC for workers’ compensation. By creating a
Posted By Brandy King
October 28, 2024
Category: Osha, Top Ten, Most Cited, Violations, Fall Protection, Ppe, Respiratory Protection
OSHA released its annual Top 10 list of most cited workplace safety standards earlier this month at the National Safety Council Congress & Expo in Orlando, Florida. The violations making it into the top 10 are the same as last year, but their respective place in the top 10 may have changed. On the bright side, most categories saw fewer violations in the last year, compared to the prior year’s data. Respiratory protection and PPE were the two categories that saw increases, and these violations are avoidable with the right knowledge, programs, and enforcement in place. Many employers don’t realize that they need to provide respiratory protection to employees in certain roles. Check out our blog on respiratory protection programs to get an idea of what’s involved. The list reflects violations from October 2023 through September 2024, and is based solely on federal OSHA data. For yet another year, Fall Protection (general requirements) was #1 with more than double the violations of the next largest category, and hasn’t moved from that spot for 13 years. 1. Fall Protection – General Requirements: 7,271 violations 2. Hazard Communication: 3,213 3. Ladders: 2,978 4. Scaffolding: 2,859 5. Powered Industrial Trucks (1910.178): 2,561 6. Lockout/Tagout (1910.147): 2,554 7. Respiratory Protection (1910.134): 2
Posted By Brandy King
September 24, 2024
Category: 2018 Group Retro, Retro Refunds, Ohio Bwc, Missing Refunds
You may have received, or will soon receive a letter from Ohio BWC stating that they are “unable to approve your request” to issue premium refunds based on 2018 Group Retrospective Rating. To recap, BWC chose to withhold 2018 Group Retro refunds from Ohio employers in light of the large dividend that was released to employers in 2020. Spooner appealed that decision on behalf of our clients with the intent of getting those Group Retro refunds paid out to participating employers, like your business. Spooner has maintained our stance and our fight over the last three years as the hearings and appeals process has continued to play out. Why did we receive this letter? These letters are a response to the protests we filed on behalf of Spooner clients who participated in 2018 Group Retro. We filed these requests to preserve our appeal rights, should we continue to be successful with the legal action that is now before the Court of Common Pleas. We have concerns that if we prevail in the legal proceedings, BWC may attempt to pay only the lead plaintiff in the case, as opposed to all Group Retro members. Why now? The final snapshot to determine refunds for the 2018 group retro program was on June 30, 2022. We filed the appeals at the end of June 2024 to comply with the two-year statute for filing protests with BWC. What should we do now? There is nothing that employers need to do at this time. If it becomes apparent that action is needed
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Westlake, Ohio 44145
Phone: 440-249-5260 ext. 153
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