Lowering Premiums is Our Business

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

28605 Ranney Pkwy Westlake, OH 44145

Blog

Ohio BWC Rates Still Rising for Some Employers in '23

 

You may remember that we told you earlier in the year that Ohio BWC’s “Base Rate Reduction” didn’t mean lower rates for everyone. Now we have the data on which base rates are going up, and the Ohio workers’ comp policies that increases will be impacted.

Manual (NCCI) codes within all industries will see increases, but some more than others. If your business classifies payroll under manual codes for commercial, transportation, construction or agriculture, some of your base rates may increase as much as 20%. These new rates will become effective when the new BWC policy year begins on July 1, 2023. Being enrolled in Group Rating for the 2023 policy year doesn’t “lock in” rates – these will still apply regardless of program enrollment.

No one likes surprises when it comes to finance, so we’re here to help determine how much of an increase you can expect. If you complete this form on our website, we’ll calculate your increase for you and we’re happy to discuss additional savings options. If you have any additional questions about these changes, please contact us at (440) 249-5260.

 

 

Most Recent

DOL Issues Final Rule on Independent Contractors

Posted By Brandy King
January 17, 2024 Category: DOL, Independent Contractors, Ohio Bwc, Workers' Comp

Who’s Really an Independent Contractor? DOL Finalizes New Rule Clarifying Classification Earlier this month, the U.S. Department of Labor (DOL) finalized its rules regarding classification of independent contractors. The organization hadn’t previously defined this by regulations, only by guidelines (which are as clear as OSHA “best practices”).  The updated rule creates a six-factor “economic realities” test to determine whether or not a worker is truly an independent contractor under the Fair Labor Standards Act (FLSA). Among others, the test includes factors such as degree of permanence, amount of control the employer holds, and the worker’s skills.   Since Ohio employers aren’t required to cover 1099 employees under their BWC policy, we have a lot of discussions with clients about whether or not a worker actually meets the qualifications of being an independent contractor. Understanding these qualifications is not only important for insurance purposes, but also for recordkeeping, and the application of minimum wage and overtime rules.  Our friends at Roetzel & Andress have done a great job of explaining this new classification rule in a way that’s easy to digest and understand, so we’re deferring to their recent update for the details.  For more info on how independent contractors can impact your Ohio BWC policy, check out this blog.  This goes into effect March 11

A Guide to Submitting 2023 OSHA Logs

Posted By Brandy King
January 17, 2024 Category: OSHA, Electronic Recordkeeping, Form 301, Form 300, OSHA 300A, Safety, Incident Reporting, Compliance

It’s time to post and electronically submit your OSHA logs - and this year, submission requirements will impact far more U.S. employers. We discussed this in detail when the rule was finalized in July 2023. Effective January 1, 2024, OSHA will require employers with over 100 employees in certain high hazard industries to complete electronic records submissions of Forms 300 and 301, in addition to Form 300A. These are records that covered employers should already be keeping, but previously have not been required to submit. The impacted industries include (but aren’t limited to) retail, wholesale, performing arts, manufacturing, farming, and grocers. Our safety team agrees that the fastest, easiest way to find out your company’s submission requirements is to use this ITA Coverage Application. Enter your company’s NAICS code and employee count, and it will confirm which logs should be submitted. As a general guide: 20-249 employees and on this list must submit 300A 100 or more employees and on this list must submit the 300A, 301 and 300 log.  Employee count is “per establishment,” not entire corporation size. So, what is OSHA’s definition of an “establishment?” An establishment is a single physical location where business is conducted, or where services or industrial operations are performed. For activities where employees do not work at a single physical location - such as construction, transportation, communication

Grading Payroll Providers on Enrollment and W-2 Performance

Posted By Brandy King
January 17, 2024 Category: Payroll, Overcharging, Additional Fees, Surety HR, SI PEO, Payroll Processing Fees, ADP Fees, Paychex Fees

With 2023 group health enrollments behind us, and W-2 season wrapping up – most employers have a strong opinion about the role their payroll provider played in both of those, good or bad.  Let’s consider open enrollment first. If your payroll provider utilizes an electronic benefits module, and made an implementation plan with your broker – things should have gone smoothly. Benefits enrollment is always subject to hitting snags throughout the process. Here are some things to consider:  •    Was there communication between all parties if a timeline changed? •    Was everyone pulling in the same direction, without making you (the employer) an unnecessary go-between?  •    Was every party involved invested in making sure things were done right the first time? •    Have you considered an API connection or Data Bridge with your Carrier?  (Fees may apply)  It’s important not to over- or under-rely on technology. Let the electronic benefits modules do their job, but make sure you and your payroll provider have your eyes peeled for potential issues.  W-2 season brings similar headaches. If the employer has done their best to ensure that all employee info is up-to-date and accurate, the prevention and resolution of those headaches’ rests heavily on your payroll provider. If employees have questions about W-2s, or there’s a potentia

Categories
General (75)
Safety (24)
Ohio BWC (23)
Ohio Bwc (22)
OSHA (21)
Workers Compensation (19)
Group Retro (15)
(12)
Compliance (11)
HR (9)
Osha (9)
Payroll (9)
FMLA (8)
PEO (7)
ACES (7)
2018 Group Retro (6)
Workplace Safety (6)
COVID 19 (6)
Safety Training (5)
Group Rating (5)
True Up (4)
2019 Group Retro (4)
Ohio Workers Comp (4)
Workers Comp (4)
MEP (4)
Human Resources (4)
Workers\' Comp (4)
Informal Conference (4)
DOL (4)
osha (4)
ohio bwc (4)
Reserves (4)
FFCRA (3)
Claims Management (3)
Recordkeeping (3)
OSHA ETS (3)
401k (3)
Benefits (3)
Injury Reporting (3)
Tpa (3)
Hearing Conservation (3)
workers comp (3)
Osha Inspections (3)
OSHA 300A (3)
ohiobwc (3)
EMR (3)
Outsourcing (3)
SI PEO (3)
OSHA Compliance (3)
Recordable (2)
1099 (2)
True Up Reporting (2)
PWFA (2)
Unemployment (2)
Professional Employer Organization (2)
Independent Contractors (2)
Bwc Update (2)
OHio BWC (2)
Open Enrollment (2)
Occupational Health (2)
2020 Group Retro (2)
ADP Fees (2)
Osha Compliance (2)
Retirement Plans (2)
Premium Savings (2)
Overcharging (2)
payroll (2)
drugtesting (2)
Dividends (2)
Additional Fees (2)
Ohio (2)
Group Retro Assessment (2)
Paychex Fees (2)
group retro (2)
NEP (2)
OSHA ITA (2)
OSHA Injury Reporting (2)
401(k) (2)
Employee Benefits (2)
Reportable (2)
Remote Work (2)
Payroll Processing Fees (2)
Workers\' Compensation (2)
safety (2)
Employee Retention (2)
Surety HR (2)
Legal Update (2)
AED (2)
CPR (2)
First Aid (2)
Secure 2.0 (2)
Retirement (2)
Federal Contractors (2)
HR Outsourcing (2)
Vaccine Mandate (2)
Workers\\\' Comp (2)
BWC Premiums (2)
Salary Continuation (2)
Reporting (2)
Construction (2)
Ohio BWC Dividends (2)
MCO (2)
Ohio Business (2)
Consulting (2)
Heat Illness (2)
Occupational Safety (2)
MIRA (2)
ARPA (2)
Program Placement (2)
EFMLA (2)
OhioBWC (2)
Finance (2)
FLSA (2)
OSHA Inspections (2)
Employee Leave (2)
15k Program (1)
Dfsp (1)
daytonmuseums (1)
One Claim Program (1)
ohioplanetarium (1)
sciencemuseum (1)
Missing Refunds (1)
2 Hour Training (1)
ohioSTEMlearning (1)
non profit (1)
childrensmuseum (1)
Fairfax Memo (1)
ITAreporting (1)
Combustible Dust Nep (1)
hearingconservation (1)
regionalemphasisprograms (1)
ohiozoo (1)
Handicap Reimbursement (1)
STEMcamps (1)
2023 Bwc Rates (1)
2018GroupRetro (1)
Hr Update (1)
Plans (1)
PUMP Act (1)
Spooner Safety Series (1)
Non Compete Ban OSHA Penalty (1)
Reimbursement Fund (1)
Important Deadlines (1)
missingrefunds (1)
Disability Management (1)
Ohio Workers\' Comp (1)
Bwc Rate Reduction (1)
Ohio Safety Congress (1)
Soft Tissue Injury (1)
Walking Working Surfaces (1)
Workplace Injury (1)
Slips Trips Falls (1)
Ohio Minimum Wage (1)
grantmoney (1)
heatillnessstandard (1)
Holiday Parties (1)
Cash Payment (1)
Transfer Of Experience (1)
Polcy Combination (1)
MA (1)
Acquisitions (1)
Mergers (1)
Christmas Parties (1)
Lawsuits (1)
Legal (1)
15K (1)
Employee Benefits Checklist (1)
Group Retro Refunds (1)
Ohio Workers Comp (1)
Costumes At Work (1)
Food Safety (1)
Halloween Party (1)
Accident Reporting (1)
Gap Analysis (1)
Paying Cash For Treatment (1)
Deductibles (1)
2022oshareview (1)
MCO Open Enrollment (1)
regulations (1)
ergonomics (1)
safetyintervention (1)
safetygrant (1)
Training (1)
Health And Safety (1)
2023 programs (1)
premium savings (1)
Managed Care Organization (1)
COBRA (1)
Spooner Medical Administrators (1)
1910.134 (1)
PFT (1)
Written OSHA Programs (1)
Respirator Fit Testing (1)
Respiratory Protection (1)
Claims Costs (1)
American Rescue Plan ACT (1)
EPSL (1)
Employment Law (1)
Opening Conference (1)
Severance (1)
parcelservice (1)
ohiomarijuanalaws (1)
employeebenefits (1)
Retirementplans (1)
reasonablesuspicion (1)
employeetraining (1)
employmentpolicy (1)
drugfreeprograms (1)
DFSP (1)
courierservice (1)
ohioissue2 (1)
amazondsp (1)
distro (1)
warehpuse (1)
forkliftoperator (1)
workplacesafety (1)
oshaNEP (1)
2024 py (1)
safety council (1)
Loto (1)
marijuanalegalization (1)
legalupdate (1)
Safety Consulting (1)
EEO 1 Reporting (1)
Form 300 (1)
Form 301 (1)
Electronic Recordkeeping (1)
Drug Free Safety Program (1)
Ohio Bwc EM Cap (1)
Transitional Work (1)
DEI (1)
Harassment (1)
EEOC (1)
workplacediscrimination (1)
Regulatory Agencies (1)
NLRA (1)
NLRB (1)
Fiduciary Definition (1)
529 (1)
Roth (1)
Retirement Contributions (1)
NLRBsection7 (1)
overtimeexemptions (1)
Citations (1)
commercialdriver (1)
Overtime Rule (1)
2023mcoopenenrollment (1)
Top Managed Care (1)
Best Ohio Mco (1)
Ohio Mco (1)
Mco Open Enrollment (1)
Group Retro Lawsuit (1)
group rating (1)
workers compensation (1)
2023 base rates (1)
Mcoreportcard (1)
heatillness (1)
Mcoopenenrollment (1)
Mco (1)
Ohiobwc (1)
Ohio Bwc Workers Comp Ncci Manual Codes Base Rates (1)
Public Relations (1)
Catastrophic Claim (1)
Industrial Commission (1)
Safety Software (1)
White Collar Exemption (1)
mandate (1)
heatstroke (1)
cdl (1)
workerscomp (1)
salivatesting (1)
oralfluidtesting (1)
departmentoftransportation (1)
dot (1)
BWC reporting (1)
bwc premiums (1)
true up (1)
safetytraining (1)
rebateprograms (1)
inspections (1)
safetycouncil (1)
Ohio Tpa (1)
alternative to ohio bwc (1)
ohio premium savings (1)
human resources (1)
News (1)
losing RFPs (1)
professional employer organization (1)
heatstress (1)
Voluntary Abandonment (1)
Line Of Credit (1)
Fire Prevention (1)
Retro Refunds (1)
Slips Falls (1)
Hypothermia (1)
Frostbite (1)
Recordables (1)
Cold Safety (1)
Cold (1)
Winter Weather (1)
Winter Safety (1)
Rebate (1)
Group Retro Refunds Withheld (1)
First Responder Training (1)
Medical Treatment (1)
ACA Reporting (1)
Administrative Support (1)
Insurance Premiums (1)
MIRA II (1)
Underwriting (1)
Ohio Workers Compensation (1)
Ice Injury (1)
Life Saving Skills (1)
Investment (1)
Billion Back (1)
Abatement (1)
Ohio Employment Law (1)
Employment Lawsuits (1)
Absence Management (1)
Medical Leave (1)
ADA (1)
ASO (1)
Administrative (1)
BWC Overfunding (1)
Negligent Hiring (1)
BWC Net Position (1)
Protecting Teleworkers (1)
Ergonomics (1)
Home Office Safety (1)
Remote Worker Safety (1)
Termination Guidance (1)
Teleworking (1)
Working From Home (1)
WFH (1)
OSHA Updates (1)
HAZCOM (1)
Employee Handbooks (1)
Dewine (1)
Managed Care Organizations (1)
Medical Costs (1)
300A (1)
Financial Security (1)
Retention Tools (1)
Ohio Mask Mandate (1)
Mid Sized Employer (1)
Small Employer (1)
Employer Requirements (1)
Claim Reserves (1)
International Travel (1)
Emergency Temporary Standard (1)
PAR (1)
Safety Council Program (1)
Bwc Safety Council (1)
Healthcare Industry (1)
Refunds (1)
Surprise Inspection (1)
OSHA 300 (1)
Spoonerinc (1)
Group Retro Assessments (1)
Retirement Savings (1)
OSHA Region 5 (1)
Retirement Plan (1)
HCS (1)
Group Retrospective Rating (1)
PPE (1)
Regional Enforcement Program (1)
Audiogram (1)
Michigan (1)
Indiana (1)
True Up Deadline (1)
Workerscomp (1)
Bwc Compliance (1)
Payroll Reporting (1)
Violence In The Workplace (1)
OSHA Citations (1)
COVID 19 Workers Comp Claims (1)
Coronavirus (1)
Experience Period (1)
Secretary Of Labor (1)
Pros And Cons Of PEOs (1)
OSHA Settlement Negotiations (1)
HR Compliance (1)
National Fire Safety (1)
Baseline Audiogram (1)
Eeoc (1)
BWC Administrative Fees (1)
Ohio BWC Loses Billions (1)
2018 Group Retr0 (1)
Self Insured PEO (1)
CFO Services (1)
BWC Saving Programs (1)
Occupational Noise (1)
Audiometric Testing (1)
Ada (1)
Osha Region 5 (1)
Regional Emphasis Program (1)
Savings Programs (1)
Safety Council (1)
Finanancial Services (1)
Inspections (1)
Heat Stroke (1)
Mandate (1)
OSHA REP (1)
Deadlines (1)
Ai (1)
Decibel Level (1)
TTD (1)
Commercial Banking (1)
Interest Rates (1)
Loan Forgiveness (1)
Ppp Loan (1)
LO/TO (1)
Acquisition Capital (1)
Business Banking (1)
Claim Costs (1)
Ascentis (1)
Applicant Tracking Software (1)
Novatime Discontinued (1)
Timekeeping (1)
BWC Dividends (1)
Surplus Fund (1)
Premium Increase (1)
Group Rating Renewal (1)
Spooner Group Rating (1)
Mileage Rate (1)
Irs (1)
OSHA PEL (1)
Hearing Protection (1)
WPAFB (1)
Spooner Safety Seminars (1)
Osha 300a (1)
Site Specific Targeting (1)
Osha Abatement (1)
Osha Sst (1)
Training Credits (1)
HR Continuing Education (1)
HR CE (1)
BWC Training (1)
HR Consulting (1)
Safety Services (1)
Safety Score (1)
Self Insuring (1)
SuretyHR (1)
Agriculture (1)
Manufacturing (1)
Ohio Bwc Base Rate Increase (1)
OHio BWC Base Rate Reduction (1)
Ohio Workers Comp Rates (1)
DART (1)
Investigations (1)
DOL Audits (1)
Noise Monitoring (1)
HAL (1)
Audiograms (1)
Audio (1)
Mod (1)
Fraudulent Claims (1)
DepartmentofLaborAudit (1)
Work From Home (1)
RRI (1)
UPA (1)
Hospitals (1)
FMLA Lawsuit (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 Fines (1)
Incident Reporting (1)
+ Show More

Login
© Spooner Inc.
Powered by Virteom Virteom Logo