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Workers' Compensation BWC Updates

Each year Ohio employers have the opportunity to participate in BWC’s Group-Experience-Rating Program or Group-Retrospective-Rating Program. While these programs are not required, they do provide you with an opportunity to significantly reduce your workers’ compensation premiums, while increasing your awareness of safety and risk-management strategies. Learn more

OHA/CareWorks Workers' Compensation Program

The Ohio Hospital Association partners with CareWorks Consultants to deliver the most significant cost savings and consulting services to members. 

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CareWorks Consultants embraces a results-oriented approach that fully integrates safety prevention and risk control with aggressive claims management to deliver a significant return on investment.

OHA and CareWorks Consultants can analyze your hospital to determine the BEST workers’ compensation premium-saving program for you.

Programs & Services

Traditional Group Experience Rating

CCI’s group rating program is the only plan endorsed by OHA. In 2014 the program’s estimated return on investment averages 270%. Group experience rating allows employers to group together to achieve lower premium rates than they could individually. OHA and CareWorks Consultants forms the group based on eligibility requirements. From a ratemaking perspective, BWC looks at each participating hospital (and other members of the group) as if it were one large employer, allowing group participants to achieve a credit and pay a lower rate than their individual rate.

Group Retrospective Rating

This is a performance-driven program in which participating hospitals earn premium rebates (or assessments) based on the level of claims incurred during the policy year and the effectiveness of workplace safety and cost control efforts. Group retrospective rating provides the potential for rebates as high as 70% and can be a great alternative for companies unable to qualify for traditional group experience rating. Return on investment for participating hospitals is almost 1,200%. While group retrospective rating provides the potential for premium savings, participating hospitals share a pre-determined level of risk with other plan participants.

Deductible Program

This program offers an up-front discount on premium rates in exchange for accepting the financial obligation of a specified deductible amount of any new claim incurred. This program was established to create incentives to promote workplace safety and proactive claims management. The deductible options range from $500 to $200,000 per claim.

100% EM Cap

Under this program, hospitals who had increases to their Experience Modifier (EM) as a result of claims activity will have those increases capped at 100% - double the prior year’s EM – as a way to limit the potential increase caused by claims activity. 

Retrospective Rating

A retrospective rated employer assumes a portion of the risk of workers’ compensation claims losses in return for a possible reduction in premiums. The greater the assumed risk, the greater the potential reduction in premiums. Hospitals can customize the retrospective rating plan to control the amount of risk assumed and the potential savings by selecting the maximum premium and maximum claims costs they are willing to pay. Hospitals with a consistent claims history and proven safety practices benefit the most from retrospective rating.

Self Insurance

Self-insured hospitals administer their own workers’ compensation claims. Self-insured hospitals must abide by BWC and Industrial Commission rules and regulations to provide accurate and timely payments of compensation and benefits to their injured employees. Self-insured hospitals pay benefits directly to tier injured employees and service providers and do not pay BWC workers’ compensation premiums. In order to be granted self insurance, hospitals must meet several requirements, including workforce size, financial stability and other requirements.  

BWC Destination Excellence Programs

Drug-Free Safety Program, One Claim Program, Safety Council, Salary Continuation, $15K Medical Only Deductible and others.

Free Cost Savings Analysis

As a result of their best-in-class service, CareWorks Consultants has consistently maintained a 97% retention rate - one of the highest in the industry. Put their team to work for you. For a no-cost, no-obligation program analysis, go to

You may also contact CareWorks Consultants’ Shawn Combs, toll-free, at 1-800-837-3200, ext. 7264.

Frequently Asked Questions (FAQs)

What is Workers’ Compensation Group Rating?

Group rating allows companies in a similar industry to “group” their workers’ compensation claims history together. By grouping companies with few or no claims, all businesses enrolled in the group can earn up to the BWC maximum discount on their premium.

Why should I join a group rating program?

Group rating enables companies to save significantly on workers’ compensation premiums, up to the BWC maximum available discount. All programs have a sponsor organization, such as a trade association or chamber of commerce. Each program offers its own savings rate. You could potentially save significantly more with a CareWorks Consultants group program compared to other available programs.

How is coverage provided under a Group Rating Program?

Coverage is still provided by the Ohio BWC. Each participating employer maintains their own policy number and premium payments continue to be made to BWC.

Can you only enroll once a year, and is this true of all groups?

Yes, BWC regulations dictate this. Quotes are provided throughout the Fall with final actual enrollment taking place in February. We are currently accepting applications for the BWC plan year July 1, 2010 through June 30, 2011.

Is there a cost to participate in the program?

Each member is charged an administrative fee to be in the program. By enrolling in a group rating program, you also receive cost control services provided by plan administrator CareWorks Consultants, Inc.. Details of the administrative fee will be provided along with the proposal. Also, you MUST be a paid member of the sponsoring organization.

If I am uncertain whether my company will qualify, should I apply?

Yes, each year BWC assigns each employer new rates based on their payroll and experience. A company who did not previously qualify may now qualify if their claim history has improved.

How will I receive my savings?

Coverage is with BWC and the premium statements from BWC will reflect the group discounted rate. The rate will become effective on July 1, 2010, and your first discounted premium payment will be paid in January 2011.

Calendar – Private Hospitals

June 2014 to October 2014

  • Obtain Temporary Authorization to Review (AC-3) BWC records to evaluate group eligibility.
  • Group rating and group retrospective rating program enrollment packets mailed to qualifying hospitals.

November 17, 2014

  • Deadline to return traditional group rating program enrollment packets to CareWorks Consultants.

November 24, 2014

  • BWC filing deadline for traditional group rating programs for the 2015 policy year period.

January 23, 2015

  • Deadline to return group retrospective rating program for the 2015 policy year period.

January 30, 2015

  • BWC filing deadline for group retrospective rating programs for the 2015 policy year period.

Spring 2015

  • BWC send Notice of Estimated Premium for the 2015 policy year based on group rates.

July 1, 2015

  • 2015 policy year begins.
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