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What are the Advantages and Disadvantages of Salary Continuation

By Spooner
May 14, 2019 Category: Salary Continuation, Worker\'s Compensation

What is Salary Continuation? Salary continuation allows an employer to pay an employee their full wages after a workers comp claim. In order to initiate this salary continuation, the employer and employee must agree on the terms of the leave and fill out a form through the Ohio BWC. There are advantages and disadvantages with salary continuation for both the employer and the employee, and it is always best to consult with a third-party administrator before committing to the agreement. What Are The Advantages Of Salary Continuation? The best thing about salary continuation is that it expresses that the employer cares about the employee. They want their employee to be better as soon as possible, but while they are recovering, they shouldnt have to stress about money. Another advantage to salary continuation is that the BWC might not be able to pay the employee their full wages whereas, with this agreement from the employer, they can receive their whole wage for that time. The employer

What is Handicap Reimbursement and How Can it Save My Company Money on Workers’ Comp?

By Spooner Inc.
April 30, 2019 Category: Reimbursement Fund, Ohio BWC

The Ohio Bureau of Workers Compensation (BWC) provides employers relief on their workers compensation premium if an injured worker has a pre-existing condition that delays their recovery following a work-related injury. The key is having an experienced company like Spooner managing the process to ensure that handicap reimbursements are identified and secured within the BWC required time frames. The listabove are the 25 pre-existing physical conditions the BWC will recognize. The top four, epilepsy, diabetes, cardiac disease, and arthritis are generally the most common ones. How Do I Receive This Reimbursement? In regards to handicaps and how an employer would go out and get this reimbursement, this really falls into the hands of the third-party administrator (TPA) who should evaluate every lost time claim for a handicap reimbursement. The TPA should collect the medical evidence such as a list of pre-existing physical conditions and then get a file review from a doctor or a medical

Litigation Management Made Simple with Spooner, Inc.

By Spooner, Inc.
April 09, 2019 Category: Workers Compensation

Spooner provides Ohio employers with the best strategies in the industry to control workers compensation costs. One of those strategies is litigation management. Spooner leaves nothing to chance when a workers compensation claim is contested to the Industrial Commission of Ohio. The importance of attorney representation on behalf of the employer cannot be discounted and provides employers with the best chance at successful hearing outcomes. The non-attorney hearing representation provided by the majority of the TPA industry in Ohio simply isnt as effective when so much money is on the line at hearing. Does an Employer Need to Have an Attorney Present for a Workers Comp Claim? Yes. An employer needs legal representation for workers compensation claims in the Industrial Commission, with execution of settlement, in the legal analysis of a claim, and if the claim makes it all the way to the court of common pleas. Moreover, the legal representative in these cases must be from an outside

Workers' Compensation Claims Common Questions and Stories

By Spooner Inc.
February 01, 2019 Category: Workers\' Compensation

Spooner Inc. is Ohios leader in Workers Compensation, Safety, Unemployment, and FMLA/Short Term Disability Administration. In the world of Workers Compensation 95-97% of claims are legit. Theyre just people who got hurt on the job, and want to get back to work as quick as they can. But what about the other 3-5%? We deal with a lot of the 3-5%, so we have some interesting stories. We just wanted to share a couple of claims stories with you guys and just some of things that weve seen over time. A common question employers ask is if someone slips in the parking lot walking into the office - do they have a claim? The first thing we ask is who owns the parking lot? If the company owns the parking lot it would be a claim. The employee is within the course and scope of their employment, they are walking in, and slip and fall. That is a workers comp claim. If some other third-party company owns the building and is leasing it, then it can potentially be a property and casualty claim. But

What is the 15k Program? How Does it Work?

By Spooner Incorporated
January 15, 2019 Category: 15k Program, Program Placement

Spooner Inc., has partnered with Virteom to engage our customers and users in our services and how we help business owners save money in the long run. In our video series, Jacqui and Joe talk about what Spooner Inc. does to save you money and how it all works. Today were talking about the 15k program and how it can save you money. Watch or read the transcription below! What is the 15k program? The 15k program is a great program that the bureau rolls out. It is another way for a company to potentially mitigate their risk on a claim. When we say that, we mentioned in another video, that there are safe driver claims (watch here) and those claims stick with you for four or five years down the road. That impact can be more significant than what the bureau actually pays for. The 15k program is for group rated employers who are safe drivers. If employers have employees with a clean driving record, they can choose to keep themwithin the 15K program and pay per dollar on the coin. If somebody

ALERT: Important OSHA and Safety Reminder

By Spooner Inc
January 11, 2019 Category: News

Our safety team has been fielding a lot of questions about Recordkeeping and 300A posting and electronic submission. Here are some pointers for some of the most common questions related to OSHA reporting requirements. As always, please contact your safety team member at Spooner or contact Jon Carpenter. Here is Jons contact info: Jon Carpenter CSM Vice President - Safety Services Cell: 440.759.0519 Tel: 440.249.5284 | Ext: 110 Fax: 440.249.5285 jcarpenter@spoonerinc.com Posting the 300A in the work place: Nothing has changed, clients still need to post the 300A in the work place between February 1st April 30th, 2019. Posting location needs to be a prominent area like breakroom, time clock, etc. where employees can observe the form. Electronic Submission: Quick access Go to OSHA.gov Take Action header on left, scroll down Click on Submit Form 300A Data Electronically Click Launch ITA and follow the instructions You can also check out the OSHA website regarding Injury Tracking

Changes to the Ohio Bureau of Workers' Compensation for 2019

By Spooner Incorporated
January 04, 2019 Category: Workers Compensation, Ohio BWC, Group Retro

Spooner Inc., has partnered with Virteom to engage our customers and users about our services. Giving you the behind the scenes of how we help business owners and employers. In our video series, Jacqui and Joe talk about what Spooner Inc., does and how it all works! This video is about all of the changes the Ohio Bureau of Workers Compensation has coming in 2019. Watch or read the transcription below! We work a lot with the Ohio Bureau of Workers Compensation and in 2019, there are some changes that may affect employers and your clients. Whats the Deal with Billion Back? A lot of employers have seen the billion back refunds that have gone out four of the last seven years now. I think, in an attempt to battle that discussion of why are you able to give a billion back, the bureau is starting to give some discounts upfront to employers. They wanted to help out employers specifically that arent getting group rating, an up front discount for safe drivers, was discussed in our previous video.

The Importance of Proper Program Placement – Group Rating Vs. Group Retro Program

By Spooner Inc.
December 14, 2018 Category: Group Retro, Program Placement

Spooner Inc., has partnered with Virteom to engage our customers and users about our services and the technology behind the scenes. In our video series, Jacqui and Joe talk about what Spooner Inc., does and how it all works! This video is all about our program placement and getting the best placement for customers. Watch or read the transcription below! What is Spooners Program Placement? Everything has to start with an AC3 form which is a temporary authorization, it allows us to give a company quote. Theres no obligation or cost to it, but once we have that were able to take a screenshot of a companys history and then see whats a good fit for them. There are two main programs that exist. The first is our group rating, this is an upfront discount. Its like youre safe drivers discount. Essentially, if you have not received any speeding tickets in a while, well give you a little bit of a cheaper rate. What is the Group Retrospective Program? Group retro is when youve had a couple of

What should I expect from a Department of Labor Audit?

By Spooner Inc
August 06, 2018 Category: Department of Labor Audit

This post originally appeared on SuretyHR.com Like most things related to Human Resources, being proactive is always the best policy. Employers know that the U.S Department of Labor (DOL) can perform an audit at any time. Sometimes these audits are triggered by an employee complaint, but they can also occur in targeted low-wage industries such as agriculture, restaurants, garment manufacturing, guard services, day-care centers and hospitality to screen wage and hour violations. It is crucial for employers to understand the audit process so they can be prepared to handle the situation if it occurs. Below is a basic guide to help employers know what to expect in the event they are audited. Will I Have Advance Notice of an Audit? The DOL does not provide advance notice of an audit. If the DOL shows up to do one, employers may ask for time to gather their records. The amount of time granted to do so is at the discretion of the auditor. Can I Find out Why the Business Being Audited? Employers

OSHA Publishes New Final Rule on Injury Tracking and Data Submission

By Admin
October 23, 2016 Category: General

On May 11th, OSHA published a new rule on Injury Tracking and Data Submission, which will require the majority of workplaces to start submitting their injury / illness data to OSHA on an annual basis. This site-specific data will then be published on the OSHA website by location. The following excerpt from the recent press release by OSHA explains the government thought process that went into creating this new rule. Since high injury rates are a sign of poor management, no employer wants to be seen publicly as operating a dangerous workplace, said Assistant Secretary of Labor for Occupational Safety and Health Dr. David Michaels. Our new reporting requirements will nudge employers to prevent worker injuries and illnesses to demonstrate to investors, job seekers, customers and the public that they operate safe and well-managed facilities. Access to injury data will also help OSHA better target our compliance assistance and enforcement resources at establishments where workers are at greatest

Open Enrollment: How to select the MCO that's right for your company

By Admin
October 23, 2016 Category: General

The Ohio Bureau of Workers Compensation (BWC) allows a biennial open enrollment period for Managed Care Organizations (MCO). This year open enrollment falls between May 2 and May 27. Open enrollment is very short and companies have many factors to consider. The decision employers make now to stay with their current MCO or change to a new MCO will impact them for the next two years. Companies must recognize that when theyre making this decision, to stay with their current MCO or change to a new MCO, its crucial to choose wisely, says Joe Spooner, vice president at Spooner Medical Administrators, Inc. Smart Business spoke with Spooner about open enrollment and the factors to consider when choosing an MCO. Employers cannot interview prospective MCOs before the open enrollment period, so its advisable to do research beforehand. Then, when employers are free to interview MCOs, they can ask carefully considered questions because there is limited time. A hasty choice or choosing not to look

Prospective Billing True-Up Report for Private Employers in the State Fund

By Admin
October 23, 2016 Category: General

There are a few important updates Spooner Inc. wanted everyone to be aware of as we move into the 2016 premium policy year and get ready for the first True-Up reporting. MAY 1st The Ohio Bureau of Workers Compensation (BWC) will mail out your estimated premium for the 2016 policy year on May 1st. They have updated their website to reflect these numbers and you are now able to review the information. Please keep a copy of this letter with due dates. There were many issues with the installment schedules last policy year as the BWC sent invoices that did not reflect the actual due dates. MAY 16th If you would like to change the frequency of your premium installments, please contact the BWC no later than May 16th. Under the employer tab on the website of the BWC, there is a listing for Premium Installment Schedule. There, and you can change your schedule of installments. You can change the frequency to annual, semiannual, quarterly, bimonthly, or monthly. The first installment for the 2016

OSHA Violations Will Carry Higher Fines in 2016: Are You Willing to Roll the Dice on Whether or Not Your Company is OSHA Compliant?

By Admin
October 23, 2016 Category: General

Contact Spooner Incorporated Today to Keep Your Company Out of OSHAs Crosshairs in 2016! A new law gives the federal government the power to impose harsher fines on businesses that violate workplace safety laws, but the financial impact wont be known until next summer. The Occupational Safety and Health Administration will be able to increase the penalties it imposes the first increase of its kind in many years because of a provision that was included in the Bipartisan Budget Act of 2015. The Republican-controlled Congress approved the two-year budget bill in the waning days of October, just before the federal fiscal year ended. President Barack Obama, a Democrat, signed the legislation Nov. 2. The Obama administration has argued for the past several years that one of the biggest obstacles to OSHAs enforcement of workplace safety laws is the low level of civil penalties that are allowed. The civil penalties were limited to $7,000 for serious violations, such as hazards that could

The Group Rating Deadline for Ohio Workers' Comp is Right Around the Corner (November 23, 2015)

By Admin
October 23, 2016 Category: General

Another workers compensation program selection season is upon us. Join the thousands of employers guided each year by Spooners workers comp savings, service, and results. Friends don let friends pay full price for workers compensation. When was the last time you took a look at what you were paying the BWC? Let Spooner provide you with a no-cost, no-commitment review to ensure your company is getting the best available rates and service. Enrollment deadlines for other BWC savings programs are also right around the corner. Dont kick the can down the road to 2016, let Spooner show you the path to savings for years to come.

Supreme Court Upholds Tax Subsidy Provisions of the Affordable Care Act

By Admin
October 23, 2016 Category: General

A 6-3 decision by the Supreme Court on Thursday saved the Affordable Care Act by upholding federal tax credits for eligible Americans. The court was asked to decide whether the federal government should be allowed to pay subsidies to individuals living in states (like Ohio) that opted out of having their own state health insurance exchanges. The subsidies are a vital part of the Affordable Care Act and without the subsidies millions of Americans would have been unable to pay for their government mandated health insurance. Check out our Employee Benefits Services page, or contact Spooner for more information about the ACA and how we can help you navigate the new insurance requirements.

Supreme Court Upholds Tax Subsidy Provisions of the Affordable Care Act

By Admin
October 23, 2016 Category: General

A 6-3 decision by the Supreme Court on Thursday saved the Affordable Care Act by upholding federal tax credits for eligible Americans. The court was asked to decide whether the federal government should be allowed to pay subsidies to individuals living in states (like Ohio) that opted out of having their own state health insurance exchanges. The subsidies are a vital part of the Affordable Care Act and without the subsidies millions of Americans would have been unable to pay for their government mandated health insurance. Check out our Employee Benefits Services page, or contact Spooner for more information about the ACA and how we can help you navigate the new insurance requirements.

Moving On Up

By Admin
October 23, 2016 Category: General

Were happy to announce a number of promotions here at Spooner Inc. We wanted to take a moment to recognize the achievements of the following members of our management team: Bruce Bunn has been promoted to Senior Vice President of Workers Compensation. Nathan Kenney has been promoted to Chief Operating Officer. Jennifer Kenney has been promoted to Manager, Client Services. Ryan Callahan has been promoted to Director of Workers Compensation. Andy Lembach has been promoted to Chief Marketing Officer.

Worker's compensation plays a major role in MA deals, though few realize it

By Nathan Kenney
October 23, 2016 Category: General

There are many factors that go into determining the value of a company. Many buyers and sellers dont realize, however, that an MA deals value changes based on existing workers compensation claims, coverage history and program status. Successors must look closely at the company theyre acquiring, says Nathan Kenney, Chief Operating Officer at Spooner, Inc. When you combine two entities, everyones situation can get worse. If you dont take workers compensation into account when doing a deal, youll pay more than the value the acquired company brings to the deal in the long run. Smart Business spoke with Kenney about the effect workers compensation liabilities have on an MA event and how a correct value can be assessed. How are the parties in an MA deal affected by workers compensation liabilities? When an MA deal is executed the predecessor company is no longer responsible for its workers compensation liabilities they transfer to the successor company at the date of the close with all

Do Not Forget! Payroll Reporting and Premiums

By Admin
October 23, 2016 Category: General

Please dont forget to report your payroll and pay your premium for the 2nd half of 2014 (July 1 to December 31, 2014).

Ohio BWC Safety Congress and Expo

By Admin
October 23, 2016 Category: General

The 2015 Ohio BWC Safety Congress Expo will be held at the Greater Columbus Convention Center from March 31 to April 2, 2015. Spooner Risk Control Services will be represented by Spooner Inc. and Spooner Medical Administrators Inc. in booths 921 and 923 on the expo floor. Please consider attending the educational sessions and stop by our booths! We are also excited to announce that Rick Artino from Spooner will be featured as an expert speaker at an educational session this year. Rick will be presenting session 485 titled Responding to Fatal Accidents and Deaths in the Workplace from 2:30pm to 3:30pm on April 1st. Attending Ricks session will provide credits for anyone needing continuing education (0.1 IACET CEU; 1 CDMS; 1 HR; 1 EPA; 1 BELTSS; 1 SAN). This page was edited on 07/10/2018.

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