April 24th, 2018

BWC Discount Programs

Workers Comp 0

BWC Discount Programs: The BWC offers many programs and options for saving money, and here is a general overview of what these programs are and their compatibility with the various alternative rating programs available.

Drug Free Safety Program (DFSP): This program allows employers to implement a drug and alcohol policy, testing, and safety training program to earn a rebate on premiums.  There are two levels to the DFSP; a 4% premium rebate is given at the basic level participation, and a 7% premium rebate is given at the advanced level participation. The DFSP is compatible with traditional Group Rating, Grow Ohio, Small Deductible Program, and individual rating.

Go Green Discount Program: This program is part of the BWC’s Destination Excellence Program and it offers a 1% premium rebate (up to $2,000) in exchange for an employer conducting their BWC transactions via the BWC’s website at www.bwc.ohio.gov. This includes receiving payroll reports, report payroll, paying premiums, and filing First Reports of Injury (FROI). This rebate is given automatically by BWC to eligible employers. It is compatible with all alternative rating programs.

Industry-Specific Safety Program (ISSP): This program offers employers the opportunity to receive a 3% premium rebate for completing an online safety assessment and completing up to three loss prevention activities, depending on amount of payroll. ISSP is compatible with traditional Group Rating, Grow Ohio, individual rating, and the One Claim Program.

Lapse Free Discount Program: This program is part of the BWC’s Destination Excellence Program and it offers a 1% premium rebate (up to $2,000) in exchange for an employer not having any lapses in coverage during the 60 months prior to the rebate eligibility evaluation date. This rebate is given automatically by BWC to eligible employers. It is compatible with traditional Group Rating, Grow Ohio, individual rating, and Group Retrospective rating.

Safety Council Rebate Program: This program’s goal is to increase safety awareness by joining a local safety council. There is a total premium rebate incentive of 4% awarded to employers, broken down as follows:

2% Participation Rebate for attending their safety council’s monthly meetings (at least 10 out of 12).

2% Performance Rebate for reducing either the frequency or severity of claims by 10% or with maintenance at zero.

The Safety Council Rebate Incentive Program is compatible with all alternative rating programs, however traditional Group  Rating is only compatible with the 2% Performance Bonus, and Group Retrospective Rating is only compatible with the 2% Participation Rebate.

Transitional Work Bonus (TWB): This program is designed to reward employers (up to 10% of pure premium) who successfully use approved transitional work plans to facilitate early return-to-work for injured workers with eligible claims. It requires that the employer complete a transitional work bonus application by the deadline. This program is compatible with traditional Group Rating, Grow Ohio, individual rating, and the One Claim Program.



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