Lowering Premiums is Our Business

M-F 8:00 AM - 5:00 PM

28605 Ranney Pkwy Westlake, OH 44145

Blog

News and Updates

Month: August 2022

2021 BWC True Up

2021 BWC True Up

Posted By Brandy King
August 02, 2022 Category: Ohio BWC, True Up Reporting, Payroll,

It’s that time of year again – Ohio BWC True Up! Employers can be intimidated by this process, but it should be relatively easy. Since state fund employers pay Ohio BWC premiums based on projected payrolls, everyone has to settle up at the end of the year. BWC policy years begin on July 1, and you have 7/1 through 8/15 to not only complete the reporting process, but also to pay any resulting balances. If you are unable to pay the entire balance at the end of the reporting process, any future premium payments will first be applied to your delinquent True Up Balance before being applied to any premium installments. Payment plans for True Up balances are only available through the Ohio Attorney General’s office following an application process (and having a balance with the AG could prevent you from getting into a savings program).   Employers should also be prepared to answer the following questions as part of the True Up reporting process: This is a requirement for any Ohio employer with an open state fund policy, even if no payroll is allocated to the policy. Most self-insured PEOs ask that Ohio employers keep a state fund policy open and pay the annual minimum premium, but report no payroll to it. Even those employers are required to complete the report – essentially verifying that the estimate of $0 in payroll is still accurate. Your PEO might take care of this for you (SuretyHR does), or your payroll provider might assist you with the repor

Should We Cover Independent Contractors for Workers' Comp?

Posted By Brandy King
August 02, 2022 Category: Ohio Bwc, Ohio Workers Comp, True Up, Independent Contractors, 1099, Payroll

Don’t let the 1099 fool you. Just because your company doesn’t send these workers a W-2   doesn’t mean you shouldn’t cover them for workers’ compensation in Ohio. You may be   thinking, “We’re not concerned – all of our 1099ers have a certificate of coverage from   BWC.” Ok, so they knew that they had to manually elect coverage for themselves if they’re   an LLC filing as a sole corp right? It can be more complicated than it appears on the   surface, but we’re here to help you get a handle on it. Keep in mind this is not legal advice. If you have specific situations about classifying workers, you can always reach out to us, but sometimes it’s best to follow up with an employment attorney. Navigating the world of gig workers can be tricky, but just ask Ugicom – it’s best to classify workers correctly from the beginning. A lot of employers will casually mention that they don’t have to cover certain workers as employees for workers’ comp, because these people are independent contractors. Unless they come and go as they please with no schedule parameters, don’t utilize company vehicles or other property, and you have no say in the work they perform - they may in fact be independent contractors. If you can’t confidently tick all of those boxes, it may be time to reevaluate. When Ohio BWC performs a payroll audit, the

Group Rating Renewal is Now Even Easier for Spooner Clients!

Group Rating Renewal is Now Even Easier for Spooner Clients!

Posted By Brandy King
August 02, 2022 Category: Group Rating, Ohio Bwc, Spooner Group Rating, Group Rating Renewal

  We understand that the businesses we serve are dealing with a lot right   now - recruiting, attrition, staffing shortages, shipping delays and   increasing costs on everything from benefits to raw materials. We can’t fix   all of those problem for you, but we can make the process of saving   money on BWC premiums a lot easier than it’s been in the past.   Instead of completing hardcopies and mailing or emailing them to us,   Spooner clients that completed Group Rating forms with us last year (and   would like to remain in that program) can now complete their Group Rating  renewal on our website. If we have any questions or concerns   about your answers, we’ll reach out to the person that completed

The Good, the Bad & the Ugly: 2020 Group Retro Performance

Posted By Brandy King
August 02, 2022 Category: Ohio Bwc, Group Retro Assessment, 2020 Group Retro, ACES, Group Retro

Since the 2020 policy year wrapped, we’ve mentioned the lackluster performance of several Group Retro pools. These poor  returns, as well as a few assessments, are occurring largely in part to BWC’s move to the ACES reserves system, and aren’t necessarily tied to the performance of any one TPA. Luckily, Spooner’s pools remain steady (this is the good), but they may not be the returns we’ve seen in years past. On July 28, we received what will be the final numbers used to calculate the first round of Group Retro returns for those enrolled during the2020-2021 policy year. Out of 53 groups across all industries, only five performed above the 40% mark. This is increasingly important to remember as you shop 2023-24 programs this summer, and you’re seeing 50-60% returns being promised. The remainder lingered between 10-38% (the bad), with a few more in the red – meaning employers in those pools will be assessed, i.e. billed for their share of the difference (the ugly). Many decision makers don’t make note of the “maximum assessment” when they complete their Group Retro paperwork. This is a percentage disclosed that equates to how much of that year’s premium you’ll be responsible to pay back to Ohio BWC if the performance of your Group Retro pool is worse than expected. Here’s a real-life example of one of the groups being assessed. This particular pool was assigned a 20% maximum assessment,

Categories
General (75)
Safety (25)
Ohio BWC (25)
Ohio Bwc (24)
OSHA (22)
Workers Compensation (19)
Group Retro (15)
(14)
Compliance (11)
Osha (10)
Payroll (9)
HR (9)
FMLA (8)
PEO (7)
ACES (7)
Workplace Safety (6)
COVID 19 (6)
2018 Group Retro (6)
Group Rating (5)
Safety Training (5)
Workers\' Comp (5)
2019 Group Retro (4)
True Up (4)
Human Resources (4)
Ohio Workers Comp (4)
Workers Comp (4)
MEP (4)
DOL (4)
osha (4)
Informal Conference (4)
Reserves (4)
ohio bwc (4)
FFCRA (3)
401k (3)
Hearing Conservation (3)
Tpa (3)
Osha Inspections (3)
OSHA 300A (3)
Injury Reporting (3)
workers comp (3)
Benefits (3)
EMR (3)
OSHA Compliance (3)
SI PEO (3)
Recordkeeping (3)
Outsourcing (3)
OSHA ETS (3)
Claims Management (3)
ohiobwc (3)
Employee Retention (2)
Group Retro Assessment (2)
drugtesting (2)
Ohio (2)
True Up Reporting (2)
Independent Contractors (2)
Unemployment (2)
Dividends (2)
Professional Employer Organization (2)
Retirement Plans (2)
Occupational Health (2)
1099 (2)
OHio BWC (2)
TTD (2)
Premium Savings (2)
First Aid (2)
Open Enrollment (2)
Federal Contractors (2)
Surety HR (2)
2020 Group Retro (2)
Recordable (2)
group retro (2)
Employee Benefits (2)
401(k) (2)
NEP (2)
Workers\\\' Comp (2)
Secure 2.0 (2)
Retirement (2)
PWFA (2)
Bwc Update (2)
HR Outsourcing (2)
Osha Compliance (2)
OSHA ITA (2)
Overcharging (2)
OSHA Injury Reporting (2)
Legal Update (2)
Remote Work (2)
Paychex Fees (2)
Workers\' Compensation (2)
payroll (2)
ADP Fees (2)
Payroll Processing Fees (2)
safety (2)
Additional Fees (2)
AED (2)
CPR (2)
Reportable (2)
Vaccine Mandate (2)
Reporting (2)
Ohio Business (2)
Ohio BWC Dividends (2)
BWC Premiums (2)
EFMLA (2)
Heat Illness (2)
Occupational Safety (2)
ARPA (2)
MIRA (2)
Finance (2)
OhioBWC (2)
Salary Continuation (2)
Consulting (2)
MCO (2)
Ohio Employment Law (2)
Program Placement (2)
FLSA (2)
OSHA Inspections (2)
Employee Leave (2)
Construction (2)
Injury Prevention (1)
BWC Rate Reduction 2024 (1)
daytonmuseums (1)
ohioplanetarium (1)
sciencemuseum (1)
Dfsp (1)
non profit (1)
ohioSTEMlearning (1)
EPA (1)
childrensmuseum (1)
ITAreporting (1)
One Claim Program (1)
hearingconservation (1)
regionalemphasisprograms (1)
heatillnessstandard (1)
ohiozoo (1)
STEMcamps (1)
Spooner Safety Series (1)
Ergonomics Assessment (1)
2 Hour Training (1)
missingrefunds (1)
2018GroupRetro (1)
Hr Update (1)
Plans (1)
PUMP Act (1)
2023 Bwc Rates (1)
Non Compete Ban OSHA Penalty (1)
Bwc Rate Reduction (1)
Handicap Reimbursement (1)
Ohio Ergonomic Consultant (1)
Ohio Minimum Wage (1)
Ohio Safety Congress (1)
Ohio Workers\' Comp (1)
Soft Tissue Injury (1)
Walking Working Surfaces (1)
Workplace Injury (1)
Slips Trips Falls (1)
Retirementplans (1)
Ohio EPA Contact Hours (1)
2022oshareview (1)
Transfer Of Experience (1)
Funding (1)
Ohio Supreme Court (1)
Deductibles (1)
MMI (1)
15K (1)
Temporary Total (1)
Paying Cash For Treatment (1)
Cash Payment (1)
Polcy Combination (1)
OH ID (1)
MA (1)
Acquisitions (1)
Mergers (1)
Christmas Parties (1)
Lawsuits (1)
Holiday Parties (1)
Legal (1)
Employee Benefits Checklist (1)
Group Retro Refunds (1)
Substance Use Recovery (1)
BWC Login (1)
regulations (1)
2023 programs (1)
ergonomics (1)
safetyintervention (1)
grantmoney (1)
OHID Login (1)
EPA Contact Hours Provider (1)
safetygrant (1)
Osha Citation (1)
Osha Inspection (1)
premium savings (1)
Ohio Bwc Drug Free Workplace DFSP Drug Free Safety Drug Testing Training (1)
Osha Investigation (1)
Columbus Salary History Ban (1)
1910.134 (1)
PFT (1)
Salary Inquiry (1)
Written OSHA Programs (1)
Respirator Fit Testing (1)
Respiratory Protection (1)
Applicants (1)
Missing Refunds (1)
Form 300 (1)
Fairfax Memo (1)
salivatesting (1)
safety council (1)
Loto (1)
Citations (1)
Fiduciary Definition (1)
NLRB (1)
Safety Consulting (1)
commercialdriver (1)
cdl (1)
oralfluidtesting (1)
2024 py (1)
NLRA (1)
departmentoftransportation (1)
dot (1)
BWC reporting (1)
bwc premiums (1)
Regulatory Agencies (1)
true up (1)
safetytraining (1)
EEOC (1)
529 (1)
oshaNEP (1)
Costumes At Work (1)
workplacediscrimination (1)
employeebenefits (1)
employeetraining (1)
ohiomarijuanalaws (1)
employmentpolicy (1)
drugfreeprograms (1)
DFSP (1)
marijuanalegalization (1)
ohioissue2 (1)
legalupdate (1)
parcelservice (1)
workplacesafety (1)
courierservice (1)
overtimeexemptions (1)
amazondsp (1)
distro (1)
NLRBsection7 (1)
warehpuse (1)
forkliftoperator (1)
Retirement Contributions (1)
Roth (1)
workerscomp (1)
EEO 1 Reporting (1)
Combustible Dust Nep (1)
Industrial Commission (1)
2023 base rates (1)
2023mcoopenenrollment (1)
Mcoreportcard (1)
Mcoopenenrollment (1)
Mco (1)
Ohiobwc (1)
Ohio Bwc Workers Comp Ncci Manual Codes Base Rates (1)
Public Relations (1)
Catastrophic Claim (1)
Voluntary Abandonment (1)
workers compensation (1)
White Collar Exemption (1)
Electronic Recordkeeping (1)
Overtime Rule (1)
Severance (1)
Form 301 (1)
reasonablesuspicion (1)
Incident Reporting (1)
BWC Update (1)
Employment Law (1)
Drug Free Safety Program (1)
group rating (1)
rebateprograms (1)
heatstress (1)
safetycouncil (1)
Ohio Tpa (1)
alternative to ohio bwc (1)
Harassment (1)
ohio premium savings (1)
human resources (1)
DEI (1)
losing RFPs (1)
professional employer organization (1)
inspections (1)
Group Retro Lawsuit (1)
heatstroke (1)
heatillness (1)
mandate (1)
Top Managed Care (1)
Best Ohio Mco (1)
Ohio Mco (1)
Transitional Work (1)
Mco Open Enrollment (1)
Ohio Bwc EM Cap (1)
Ohio Workers Comp (1)
Inspections (1)
Food Safety (1)
Claim Reserves (1)
OSHA Region 5 (1)
True Up Deadline (1)
Bwc Compliance (1)
Payroll Reporting (1)
COVID 19 Workers Comp Claims (1)
Coronavirus (1)
Experience Period (1)
Pros And Cons Of PEOs (1)
Group Retro Assessments (1)
Managed Care Organizations (1)
Michigan (1)
Medical Costs (1)
Financial Security (1)
Retention Tools (1)
Mid Sized Employer (1)
Small Employer (1)
PAR (1)
Safety Council Program (1)
Bwc Safety Council (1)
Refunds (1)
OSHA 300 (1)
Indiana (1)
Audiogram (1)
Opening Conference (1)
Rebate (1)
Slips Falls (1)
Hypothermia (1)
Frostbite (1)
Recordables (1)
Cold Safety (1)
Cold (1)
Winter Weather (1)
Winter Safety (1)
Retro Refunds (1)
First Responder Training (1)
Regional Enforcement Program (1)
Medical Treatment (1)
Insurance Premiums (1)
MIRA II (1)
Underwriting (1)
Ohio Workers Compensation (1)
Investment (1)
Retirement Savings (1)
Retirement Plan (1)
Group Retrospective Rating (1)
PPE (1)
LO/TO (1)
Surprise Inspection (1)
Life Saving Skills (1)
American Rescue Plan ACT (1)
Mod (1)
Finanancial Services (1)
CFO Services (1)
BWC Administrative Fees (1)
Premium Increase (1)
Surplus Fund (1)
BWC Dividends (1)
COBRA (1)
EPSL (1)
Claims Costs (1)
DART (1)
Spooner Medical Administrators (1)
Managed Care Organization (1)
MCO Open Enrollment (1)
Health And Safety (1)
Training (1)
Disability Management (1)
Important Deadlines (1)
Reimbursement Fund (1)
15k Program (1)
News (1)
Safety Score (1)
WPAFB (1)
Healthcare Industry (1)
OSHA Citations (1)
Emergency Temporary Standard (1)
International Travel (1)
Employer Requirements (1)
Dewine (1)
Ohio Mask Mandate (1)
300A (1)
Spoonerinc (1)
Workerscomp (1)
Secretary Of Labor (1)
Violence In The Workplace (1)
HR Compliance (1)
HCS (1)
HAZCOM (1)
OSHA Updates (1)
Administrative Support (1)
ACA Reporting (1)
Group Retro Refunds Withheld (1)
Negligent Hiring (1)
Termination Guidance (1)
Employment Lawsuits (1)
Employee Handbooks (1)
Ice Injury (1)
WFH (1)
Halloween Party (1)
Savings Programs (1)
Ohio BWC Loses Billions (1)
2018 Group Retr0 (1)
Self Insured PEO (1)
BWC Saving Programs (1)
Occupational Noise (1)
Baseline Audiogram (1)
Audiometric Testing (1)
Osha Region 5 (1)
Regional Emphasis Program (1)
Safety Council (1)
Deadlines (1)
DepartmentofLaborAudit (1)
Heat Stroke (1)
Mandate (1)
OSHA REP (1)
OSHA PEL (1)
Decibel Level (1)
Hearing Protection (1)
Noise Monitoring (1)
Audiograms (1)
Audio (1)
Eeoc (1)
Ada (1)
Work From Home (1)
Line Of Credit (1)
Accident Reporting (1)
Gap Analysis (1)
Safety Software (1)
Fire Prevention (1)
National Fire Safety (1)
Commercial Banking (1)
Interest Rates (1)
Loan Forgiveness (1)
Ppp Loan (1)
Acquisition Capital (1)
Ai (1)
Business Banking (1)
Claim Costs (1)
Ascentis (1)
Novatime Discontinued (1)
Timekeeping (1)
Group Rating Renewal (1)
Spooner Group Rating (1)
Mileage Rate (1)
Irs (1)
Applicant Tracking Software (1)
Fraudulent Claims (1)
RRI (1)
Working From Home (1)
Medical Leave (1)
SuretyHR (1)
Agriculture (1)
Manufacturing (1)
Ohio Bwc Base Rate Increase (1)
OHio BWC Base Rate Reduction (1)
Ohio Workers Comp Rates (1)
OSHA Settlement Negotiations (1)
Abatement (1)
Absence Management (1)
ADA (1)
HR Consulting (1)
ASO (1)
Administrative (1)
Billion Back (1)
BWC Overfunding (1)
BWC Net Position (1)
Protecting Teleworkers (1)
Ergonomics (1)
Home Office Safety (1)
Remote Worker Safety (1)
Teleworking (1)
Self Insuring (1)
Spooner Safety Seminars (1)
UPA (1)
FMLA Fines (1)
HAL (1)
Hospitals (1)
Nursing Homes (1)
Patient Care (1)
Focused Inspection Initiative (1)
Wage And Hour (1)
Family Medical Leave Act (1)
HR Issues (1)
Department Of Labor (1)
DOL Fines (1)
FMLA Lawsuit (1)
BWC Training (1)
DOL Audits (1)
Safety Services (1)
Investigations (1)
Osha 300a (1)
Site Specific Targeting (1)
Osha Abatement (1)
Osha Sst (1)
Training Credits (1)
HR Continuing Education (1)
HR CE (1)
Disability Comepnsation (1)
+ Show More

Login
© Spooner Inc.
Powered by Virteom Virteom Logo