The ORA is proud to offer this important and to-the-point Restaurant Education Series webinar on the changes of group rating program of the Ohio BWC. Do you have the information you need to be fully prepared for the upcoming BWC billing and group rating enrollment changes? The ORA, CareWorks Consultants, Inc. and the Ohio BWC want you to be well-equipped for the upcoming changes and will provide an overview of the new BWC billing system structure, new group enrollment time frame and dates, and the reasoning behind transitioning to the new system during this RES webinar. These slides as well as the video (see us on Vimeo.com) will answer your questions on this important issue. If you are a restaurateur in the State of Ohio, joining the ORA will give you access to staff who will be your resource on all issues vital to the food service industry.

1. October 21, 2014
2:00 p.m. - 2:30 p.m.
Heartland Payment Systems is the
Lead Sponsor of all RES events.
The ORA Restaurant Education Series (RES) provides
members free access to educational events that help them
sustain and grow their businesses and are developed based on
member feedback. RES events support a key ORA initiative:
the education of our members.

3.  Open and close your Panel
 View, Select, and Test your audio
 Submit text questions
 Q&A addressed at the end of
today’s session
 Everyone will receive an email
with a link to view a recorded
version of today’s session
 Your feedback is important! You
will receive a prompt to complete
a survey at the end of the session

5. What You’ll Learn Today
New BWC billing system structure
NEW group enrollment time frame and dates
 About the BWCs transition to a NEW
system: Why the Change?

6. Your Speakers
Todd Spence
 Ohio BWC, Business Consultant
Theresa Passwater
 CareWorks Consultants Inc., Program
Manager

7. Overview of
Prospective Billing
Todd Spence, MBA, ARM
BWC Business Consultant
614-644-1196
todd.s.1@bwc.state.oh.us
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8. Why the Transition to
Prospective Billing?
 Industry standard
 More flexible payment options
 Decrease in base rates by 2% for private
employers and 4% for public employers
 Increased ability for BWC to detect non-compliance
and fraud
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9. 9
WHY D OES
THIS MATTER
TO ME?

10. Three Key Areas of Change
1. BWC Program Enrollment Date Changes
2. Premium Calculation and Payment Changes
3. New Process Added: Annual True-Up
10

11. Program Enrollment Changes Effective
for 7/1/2015 Policy Year!
 Group rating program – Monday prior to
Thanksgiving (November 24, 2014)
 Group Retro, One Claim Program, Deductible,
Individual Retro – Last business day of January
(January 30, 2015)
 Destination: Excellence programs – Last
business day of May (May 29, 2015)
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12. Implementing Prospective
Payment
 Prospective billing effective July 1, 2015.
 Moving from reporting and paying premium six months in
arrears to BWC estimating premium and employer paying
annual premium in advance.
 Employers will pay premium in February 2015 (for
7/1/2014 - 12/31/2014) as normal.
 In August 2015, employers will have premium due for
1/1/2015 - 6/30/2015 and estimated premium due for
7/1/2015 - 6/30/2016.
12

13. Implementing Prospective
Payment
 NO DOUBLE BILLING!
 BWC will apply a transition credit to cover the
January 1, 2015 – June 30, 2015 premium
($0 Due).
 Employers will receive:
 Final Payroll Report for 1/1/2015 - 6/30/2015 ($0 due)
 An invoice for the 2015 policy year estimated premium
in June 2015.
13

14. Installment Plan Options
 In the first year, every employer will be on a bi-monthly
plan, with the option of selecting a
different installment plan prior to their first
premium payment (paid by August 31, 2015).
 The first installment (covering July and August 2015)
will be paid with transition credit ($0 Due).
14

15. Installment Plan Options
 Employers will receive an invoice for the second
installment in late July or early August.
 This invoice will be due by August 31, 2015.
 Depending on the selected installment plan,
BWC will mail invoices 30 days prior to the due
date.
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16. Installment Plan Options
 Under prospective billing, employers can choose
from the following equal payment installment
options:
 Annual (1 payment)
 Semi-annual (2 payments)
 Quarterly (4 payments)
 Bi-monthly (6 payments)
 Monthly (12 payments)
16

17. True-up Payroll Reporting
 Prospective billing requires annual true-ups.
 BWC will send the True-Up notice in July of each
year.
 The employer must report actual payroll for the
previous policy year.
 Online or over the phone only
 First True-Up due August 15, 2016 (for 7/1/15 - 6/30/16)
 Result could be credit or debit
17

18. True-Up Payroll Reporting
 This information is critical for rate setting.
 For that reason, any outstanding true-ups will result in
immediate disqualification from rating plans and
programs for that current policy year.
 Employers must complete all true-ups to be
eligible for programs going forward.

19. Lapsing Coverage
 BWC will lapse any employer who does not pay
their installment on time.
 BWC will not lapse an employer who does not
true-up.
 BWC will estimate the true-up by adding an additional
10% to the premium due and bill the employer.
 If the employer still does not report their true-up, then
BWC will certify it to the Ohio Attorney General’s office
for collections.
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20. 20

21. Summary
First Changed Program Application Date is
November 24, 2014 (2015 Group Rating)
First Prospective Premium Payment is due
August 31, 2015
First Annual True-Up is due August 15, 2016
As a result of Prospective Transition Credits,
NO premium will be charged for 1/1/2015 -
6/30/2015 and 7/1/2015 - 8/31/2015
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22. Questions?
Todd Spence, MBA, ARM
BWC Business Consultant
614-644-1196
todd.s.1@bwc.state.oh.us
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23. Questions on Your
Group Rating Status?
Theresa Passwater
Manager of Program Sales
1-800-837-3200, ext. 7248
(614) 526-7248
Fax (614) 210-5841
theresa.passwater@ccitpa.com

24. So, What Now?
Check out the ORA website, Workers’
Compensation section for information on options
www.ohiorestaurant.org/grouprating
Included on the site is a “Calendar of Events” to
help you navigate through all the dates

25. Health and Safety
When a 1,000 things pile up, it’s easy to overlook the importance of
health & safety issues - that’s dangerous!
The Health & Safety section of the ORA’s website helps you stay on
top of concerns, offering solutions to today’s restaurant, food, and
alcohol safety issues.
www.ohiorestaurant.org/healthandsafety

27. Thank you!
November 18 @ 2:00 p.m. - Serving Alcohol
Safely
 February 15 & 16 - Educational sessions at
North America Pizza & Ice Cream Show
(NAPICS); Columbus Convention Center
Go to www.ohiorestaurant.org/res
to register or to check out past RES events!