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Category: EMR

BWC to Host Open Forum on ACES

Posted By Brandy King
October 07, 2021 Category: ACES, Ohio BWC, Workers Compensation, Ohio BWC, Ohio Workers Compensation, Underwriting, ACES, MIRA II, EMR, Insurance Premiums

On October 14, BWC will host an open forum with TPAs to discuss the impact of their new reserve system called ACES.  Spooner’s goal is to convince BWC that this system is overestimating reserves for lost time claims (as well as some medical only claims) that will have a dramatic effect on Group Retro refunds for the 2020 policy year and future years. This could also have a negative impact on employers’ EMRs for the 2023 policy year. BWC implemented this new system of calculating reserves in January 2021. As early as June, we began noticing reserves jumping to nearly 4-5 times what they would have been under the previous system and industry standard, MIRA II. We shared another update in August, after reviewing the first round of results for 2020 Group Retro and finding that 68% of pools could face a first year assessment, as opposed to getting a refund from the program.  These open forums held by BWC are a platform for TPAs to voice concerns over certain policy and procedure changes that may negatively impact Ohio businesses. Spooner is an Ohio business, and our family of companies make it a priority to fight for policy changes that will have a positive impact on the business community that we’re so proud to be a part

Are You Losing Business Because of a High EMR?

Posted By Brandy King
April 01, 2021 Category: EMR, Mod, Safety, Ohio BWC, Safety Score, DART, OSHA, Construction, WPAFB

  If so, Surety HR’s Self-Insured Professional Employer Organization (PEO) may be able to reduce your EMR (Experience Modifier Rate).  Many industries require businesses to submit their EMR to bid on both private and public projects and contract renewals.  If your EMR is too high, you may not even be able to bid on a specific project.  This is predominant in construction, but also affects employers in manufacturing, logistics and several other industries. Typically any vendor on a federal site such as an Air Force Base will be required to submit their EMR as well.  If your company has an EMR over 1.00 and it's costing you jobs, let’s talk!   If you have concerns about your EMR, please email Brian Davis at

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