Table of Contents
equipment/vehicle lease agreement
Employer Organization (PEO)
Network Company Driver
Claim File Documentation
Review and Investigation
or Household Worker
to an Inherently Dangerous Situation
Special Services for the State or a Political Subdivision
Injured or Killed While Performing a Request or Order of a Duly Authorized
Incurred While Participating in a Rehabilitation Plan
Exemption for Religious Sects
Coverage/Non-Complying Employer Claims
The purpose of this policy is to ensure BWC staff
appropriately recognizes when an IW is considered an employee for workers’
compensation coverage purposes and other circumstances that determine the
nature of the applicable workers’ compensation coverage.
This policy applies to claims services staff and employer
An individual at least sixteen (16) years of age, who is in a registered
apprenticeship program to learn a skilled occupation pursuant to a registered
apprenticeship agreement. For purposes of this policy “apprentice” shall
Agreement: A written agreement, registered with the apprenticeship
council, providing for not less than two thousand hours of reasonably
continuous employment, and for participation in an approved schedule of work
experience through employment, which must be supplemented by a minimum of one
hundred forty-four hours per year of related and supplemental instructions.
equipment/vehicle lease agreement: An arrangement between the owner
of a truck and a driver, where the driver is given legal control of the vehicle
to use as if he/she is the owner in exchange for a payment to the owner for
such use. In the transportation industry, a bona fide lease agreement contains
commercially reasonable terms made with earnest intent, without fraud or
Quarter: One fourth of a calendar year as follows:
1st quarter – January 1
through March 31;
2nd quarter - April 1
through June 30;
3rd quarter - July 1
through September 30;
4th Quarter - October 1
through December 31.
Worker: An individual whose work is occasional and not on a
regular basis. A casual worker can include a member of a labor crew brought to
a jobsite to labor on completing the task a contractor is responsible to
An established and legally recognized, congregation, denomination, society,
corporation, fellowship, convention or association formed primarily or
exclusively for religious purposes.
Contract: An oral or written agreement involving any activity
in connection with the erection, alteration, repair, replacement, renovation,
installation, or demolition of any building, structure, highway, or bridge.
For purposes of this policy, reference to an injured worker’s inclusion in a
workers’ compensation policy, whether mandated by law or elective.
Coverage: Workers’ compensation coverage an employer or individual
may obtain pursuant to R.C. 4123.01,
for workers that are not defined as employees for purposes of workers’
compensation. The following are entities or persons not defined as employees
who must elect to purchase workers’ compensation coverage to be covered:
Entity: a sole proprietorship, a partnership, a limited
partnership, an individual incorporated as a corporation with no employees, a
family farm corporation or an LLC filing a federal tax form as a sole
proprietor or partnership.
Person: a sole proprietor, a member of a partnership, a
member of a limited partnership, an individual incorporated as a corporation
with no employees, an officer of a family farm corporation, or an individual
member of a limited liability company (LLC) filing a federal tax form as a sole
proprietor or partnership., a duly ordained, commissioned, or licensed minister
or assistant or associate minister of a church (or equivalent position and
organization) in the exercise of a ministry.
Management Worker: An individual who has registered for
service pursuant to R.C. 5502.34, in connection
with the development, maintenance, and operation of any state or local
emergency management agency authorized by law, and who has met the minimum
requirements of R.C.
or who has been registered as an emergency management worker pursuant to R.C. 5502.34
during a disaster or emergency.
As defined in R.C.
4123.01(A), the term “employee” includes the following
persons that do not meet the definition of independent contractor and are:
In the service of the state or political subdivision (e.g., a
county, township, school district), including:
Regular members of lawfully constituted police and fire
departments, whether paid or volunteer;
Executive officers of boards of education; and
In the service of any person, firm, or private corporation,
including any public service corporation, that employs one or more persons
regularly in the same business or establishment;
Household or casual workers who earn one-hundred sixty-dollars or
more in cash in any calendar quarter from a single household or employer; or
Performing labor or other services pursuant to a construction
Operating a vehicle in the performance of services for or on
behalf of a motor carrier transporting property, unless the person is an
owner-operator (see owner-operator definition below).
As defined in R.C.
4123.01(B) the term “employer” includes:
The state, including state hospitals; each county, municipal
corporation, township, school district; and hospital owned by a political
subdivision or subdivisions other than the state; (also known as a “Public
A person, firm, professional employer organization, and private
corporation, including any public service corporation, that (a) has in service
one or more employees or shared employees regularly in the same business or in
or about the same establishment under any contract of hire, express or implied,
oral or written, or (b) is bound by any such contract of hire or by any other written
contract, to pay into the insurance fund the premiums as provided by law (Also
known as a “Private Employer”).
Trainee: An individual who possesses experience that qualifies the
individual as a journeyperson but for the existence of certain other
disqualifying conditions, and who receives on-the-job training accompanied by
classroom instruction outside of normal working hours.
Contractor: An entity with whom a principal/property owner directly
contracts to perform certain jobs. Some or all of the enumerated tasks are
subsequently contracted to other entities (subcontractors) for performance.
For general contractor relationships to exist there must be three
parties: 1) a principal/property owner, 2) an independent contractor, and 3) a
subcontractor hired by the independent contractor (making the independent
contractor a general contractor).
Worker: A worker hired to perform services in the home (e.g.,
housekeeper, nanny, and gardener).
Contractor: An entity with whom the principal/owner directly
contracts to perform a certain task or tasks. Independent contractors are
generally engaged to perform operations not within the usual trade or business
of the principal/owner and such tasks are contract-specific.
“Leasing Onto” Agreement: An arrangement between
an owner-operator of a vehicle and a motor carrier whereby the owner-operator
drives their own vehicle under the motor carrier’s USDOT operating authority.
A duly ordained, commissioned, accredited, or licensed minister, member of the
clergy, rabbi, priest, or Christian Science practitioner. This definition
includes assistant ministers and associate ministers.
Organized Militia: Members of one of the following:
The Ohio National Guard, which includes both the Ohio Air
National Guard and the Ohio Army National Guard;
The Ohio Naval Militia;
The Ohio Military Reserve.
A person who owns and may operate a vehicle that is used to transport property.
In the event the owner-operator is operating a vehicle in the performance of
services for or on behalf of a motor carrier transporting property, they are
considered an independent contractor if all of the following factors apply:
The person owns the vehicle, or leases the vehicle under a bona
fide equipment/vehicle lease agreement;
The person is responsible for supplying the necessary personal
services to operate the vehicle or vessel used to provide the service;
The compensation paid to the person is based on factors related
to work performed, including on a mileage-based rate or a percentage of any
schedule of rates, and not solely on the basis of the hours or time expended;
The person substantially controls the means and manner of
performing the services, in conformity with regulatory requirements and
specifications of the shipper.
The person enters into a written contract with the carrier for
whom the person is performing the services that describes the relationship
between the person and the carrier to be that of an independent contractor and
not that of an employee.
The person is responsible for substantially all of the principal
operating costs of the vehicle and equipment used to provide the services,
including maintenance, fuel, repairs, supplies, vehicle insurance, and personal
expenses, except that the person may be paid by the carrier the carrier’s fuel
surcharge and incidental costs, including tolls, permits, and lumper fees.
The person is responsible for any economic loss or economic gain
from the arrangement with the carrier.
Officer: For purposes of this policy, an individual legally
vested with law enforcement rights who generally works for a city, county or
state public employer and can be either “traditional” (e.g., police officer) or
“non-traditional” (e.g., certain park rangers, tax agents or liquor agents).
Placeholder Policy: An employer policy number that is created when an
alleged employer has never established a policy with BWC, BWC no longer has a record
of the policy number, or the policy is in a “cancelled” status and the date of
injury occurred after the policy was cancelled. Previously known as a dummy risk number.
An individual receiving formal classroom training designed to provide basic
education, attitudes, skills, trade knowledge, and motivation necessary to
enter a formal apprenticeship program.
Employer Organization (PEO): A sole proprietor, partnership,
association, limited liability company or corporation that enters into an
agreement with one or more employers, known as client-employers, for the
purpose of co-employing all or part of the client-employer’s work force at the
client-employer’s work site.
Subcontractor: An entity who
is hired by a general contractor (or prime contractor, or main contractor) to
perform a specific task as part of the overall project and is normally paid for
services provided to the project by the originating general contractor.
An individual or firm having a contract with a subcontractor to perform a
portion of the work.
Duty: Status of a member of the Ohio organized militia
who is performing duty by order of a state authority, and while in this state
active duty status injury and occupational disease benefits are not provided by
the federal government.
Employer: An entity in any industry who is responsible for a
claim by operation of law due to using an uninsured independent contractor or subcontractor,
or where ten or more of R.C.
4123.01(A)(1)(c) employee criteria are applicable when a
person is performing labor or providing services pursuant to a construction
Service Agency: An entity that as part of its trade or business
provides workers to unrelated third-party clients to perform services on a
temporary basis and derives revenue or other benefits from providing the
Network Company: A corporation, partnership, association, limited
liability company, proprietorship, or any other entity operating in this state
that uses a digital network to connect transportation network company riders to
transportation network company drivers who provide transportation network
Network Company Driver: An individual to whom both of the
The individual receives connections to passengers and potential
passengers and related services from a transportation network company in
exchange for the payment of a fee to the company.
The individual uses a personal vehicle to offer or provide
transportation network company services to riders upon connection through a
digital network controlled by a transportation network company in return for
compensation or payment of a fee.
1. It is the
policy of BWC to consider an injured worker (IW) to be covered for possible
Ohio Workers’ Compensation benefits when:
a. The IW
meets the definition of employee; or
b. Does not
meet the definition of employee but has elective coverage.
2. It is the
policy of BWC to:
that the existence of workers’ compensation coverage for an employer does not
automatically mean a particular IW is covered; and
fully all coverage issues in a claim prior to making a determination.
special circumstances exist, BWC will properly apply relevant sections of the
Ohio Revised Code when making coverage determinations.
circumstances are defined by Ohio Revised Code and outlined throughout the
1. BWC staff
shall refer to the Standard
Claim File Documentation and Altered Documents policy and
procedure for claim note requirements; and
follow any other specific instructions for claim notes included in this
1. When a new
claim is filed, claims services staff must:
a. Review the
information in the claim file and, if necessary, investigate and gather
evidence to determine:
the alleged employer has an existing policy and whether the policy was active
at the time of injury; and
the IW is an employee, or if the IW does not meet the definition of employee,
whether the IW has elective coverage.
whether any special provisions of the Ohio Revised Code exist that may impact
the IW’s coverage or right to participate in the Ohio workers’ compensation
of coverage that may have special provisions are detailed in sections V.D-V.R
of this procedure, and include:
Employer Organizations (PEO);
g) Casual or
to inherently dangerous situations;
performing special services for the state or a political subdivision;
killed while performing requests or orders of a duly organized public official;
m) Injuries incurred
while participating in a vocational rehabilitation plan;
exemption for religious sects; and
claims involving the special provisions of Ohio Revised Code listed above and
further discussed in this policy and procedure must be staffed with a BWC
2. If claims
service staff has difficulty finding an employer policy:
services staff shall complete and enter a referral on the EM referral tracker
requesting assistance in locating the employer policy. The referral must
IW’s claim demographic information;
available demographic information of the alleged employer; and
following verbiage in the reason for referral:
a) “Based on
the initial investigation, it appears that the employer has never had a policy and
the IW alleges they were injured at this place of employment.”; or
b) “Based on
the initial investigation, it appears that the employer had a cancelled policy
at the time the IW alleges they were injured at this place of employment.”
b. If, upon completion
of the EM investigation, the IW’s employee or employer coverage status is
unclear, claims services staff must seek assistance from a BWC attorney.
completion of the investigation, claims services staff must either allow the
claim if it meets all of the criteria outlined above and those outlined in the Jurisdiction
(Statute of Limitations, Statutory Life of a Claim) and Compensable
Injuries policies and procedures; or
the claim based on coverage issues if:
a. The IW is
not an employee,
b. The IW is
not otherwise covered by an elective coverage policy, and
IW is not entitled to coverage under any of the specific Ohio Revised Code
sections discussed in this policy and procedure.
information received in a claim asserts the IW is a subcontractor or
independent contractor, claims services staff must send the IW and the alleged
employer the Independent Contractor/Employee Questionnaire, or obtain
answers to the questionnaire during an interview of the IW and the employer,
documenting all the answers in the claims management system. Claims services
staff must also:
documentation of the IW’s wages;
from the employer and/or IW any written agreement between the IW and the
other claims against the same employer; and
d. Seek any
other information available that may help clarify the IW’s employment status.
2. If the
claim involves the construction industry and the alleged employer claims the IW
is a subcontractor or independent contractor, claims services staff must attempt
to identify the contractor tier for the project using the job aid, Project
Contractor Investigation Sheet, on COR.
3. If the
claim involves the trucking industry and the alleged employer claims the driver
is an independent contractor, claims services staff must request:
vehicle crash report, if applicable; and
agreements between the driver and alleged employer. These agreements may have
titles like “Independent Contractor Agreement”, “Driver Agreement”, “Lease
Agreement”, or “Leasing Onto” Agreement;
sheets or statements for one month prior to the date of injury.
Once all the available documentation is received, claims services staff
must staff the issue with a BWC attorney to determine employee status and if a
different employer than listed on the FROI is responsible for the claim by
operation of law.
completion of the staffing with a BWC attorney, claims services staff will
publish an order with one of the following findings:
a. The IW is
an employee of the original alleged employer;
statutory employer is responsible for the claim.
this case, claims services staff must use the applicable statutory employer
order language found on COR on the Coverage policy page;
the statutory employer’s policy number as the insured employer in the claims
management system; and
iii. Add the
original alleged employer as an additional recipient on the order;
IW is an independent contractor.
services staff must retain the name of the alleged employer in the claim for
due process purposes but shall deny the claim.
order must indicate that:
a) There is
no proof of an employee/employer relationship; and
b) The IW is
an independent contractor.
categories of workers are not required to have workers’ compensation coverage.
Thus, an employer may have coverage for the business, but has elected not to
have coverage for an individual.
that an elective coverage situation may exist include:
a. The IW’s
last name is also the name of the business;
b. The IW’s
address is the same as the business address;
c. The IW's
phone number and the business phone number are the same or very similar;
d. The IW is
listed as an owner, sole proprietor, partner, principal, or officer on the First
Report of an Injury Occupational Disease or Death (FROI);
e. The IW
appears to be a family farmer;
IW’s social security number and the employer’s Federal Tax ID number are the
3. If it
appears the claim may involve an elective coverage situation, claims services
staff must research the employer customer record in the claims management
system to see if the IW is listed as having elective coverage when the IW is:
a. The owner
of a sole proprietorship;
b. A member
of a partnership;
individual in a limited liability company (LLC) acting as a sole proprietorship
d. An officer
of a family farm corporation;
individual incorporated as a corporation (with no employees);
duly ordained, commissioned, or licensed minister or assistant or associate
minister of a church (or equivalent position and organization) in the exercise
of a ministry which can be covered electively under the church or under their
own sole proprietor policy.
When an employer has elected coverage for any individual listed above,
claims services staff must not provide workers’ compensation benefits or
compensation until elective coverage is verified for the date of injury. To
verify elective coverage, claims services staff must:
a. From with
the open claim, select the Participants section of the left side header;
the Insured’s name;
the Details tab;
Policy Individuals, see if they are checked as covered; and
Status dropdown verifies whether the employer of record had coverage on the
date of injury.
employer of record must have coverage on the date of injury for the elective
coverage to be valid.
to R.C. 4123.01(A)(2), a volunteer
officer of a nonprofit corporation is specifically excluded from the definition
of employee and the employer does not have the option to elect coverage.
services staff may obtain further guidance and/or evidence regarding elective
coverage issues by:
to “Viewing EM Information for IM”
on COR and other job aids, as needed;
the IW and employer to clarify coverage status; or
with the Employer Services Specialist (ESS) or supervisor.
making a final determination of the status of elective coverage, claims
services staff must staff the claim with a BWC attorney.
1. If the IW
appears to be a transportation network company driver (for example, the employer
is listed as UBER or LYFT), claims services staff must determine if:
transportation network company has an agreement with the transportation network
driver to provide workers’ compensation coverage; or
transportation network driver has purchased workers’ compensation coverage for
him or herself.
services staff must review these claims with a:
Management (EM) staff; and/or
1. When a
claim involves an IW who is employed by a temporary agency but is performing
services for a third-party client, claims services staff must identify the
temporary agency as responsible for coverage in the claim.
2. Refer to
of Specific Safety Requirement (VSSR) policy and
procedures for exceptions concerning Violations of a Specific Safety
Requirement awards following the initial coverage determination.
services staff must identify the PEO as the employer responsible for coverage
in a claim involving an employee of the PEO, regardless if the IW/employee is
co-employed by a client of the PEO.
2. When a PEO
has been identified as the employer, claims services staff must verify the PEO
information by contacting BWC’s PEO Unit supervisor and providing:
a. The claim
b. The date
policy number of the employer the claim has been filed under; and
information pertaining to the PEO contained in the claim file.
services staff must note any corrections to the PEO information made by the PEO
4. See the BWC
Employer Services Professional
Employer Organizations (PEOs) policy for further information.
1. If it
appears the IW may be an apprentice pursuant to R.C.
4123.038 and 4123.039 (including
pre-apprentice, entry-level trainee or journeyperson), claims services staff must
contact the IW and/or the identified employer and:
a. Verify the
IW’s status as an apprentice;
if the IW is covered by an Apprenticeship
Elective Coverage Contract (U-80) with BWC; and
if, in addition to being an apprentice, the IW is an employee of the identified
services staff must email BWC Policy Processing if there are any
questions regarding apprenticeship coverage under a U-80.
determining if the IW is a casual or household worker that qualifies for
coverage pursuant to R.C.
4123.01(A)(1)(a)(iii)(b), claims services staff must
first determine if the IW is an independent contractor, as described above.
2. If the IW
is not an independent contractor, claims services staff must determine if the
IW meets the following criteria to be covered as a casual or household worker:
a. The IW earns
one hundred sixty dollars ($160) or more in any calendar quarter during the
year of injury from a single household or employer.
includes situations where:
the time of injury, the IW already earned $160 or more during the calendar
for the injury, the IW would have earned $160 or more during the calendar
establish this, claims services staff must request documentation such as:
a. Copies of
paychecks or documentation from electronic money transfer systems showing
payment for services transactions (e.g., PayPal, Venmo, Bitcoin)
documents showing how the IW reports the income;
written agreement between the IW and the alleged employer.
to R.C. 4123.031-4123.037, an emergency management
worker, whether paid or volunteer, is eligible for benefits payable on account
of total disability, loss of member, or death. Volunteer emergency management
workers qualify for the maximum benefits applicable to accidental injury or
2. If the IW
is filing a claim as an emergency management worker, claims services staff must
verify that the IW:
registered for service as an emergency worker and has taken the appropriate
state or federal oath;
b. Was acting
in good faith in performing his or her emergency management duty, function, or
performing such duty in conjunction with the development, training, maintenance,
or operation of the emergency management agency; and
d. Was under
express or constructive instruction or orders of a duly appointed director or
an authorized staff member of the emergency management agency charged with the
authority and responsibility for issuing such instructions or orders.
Prior to receiving any compensation or benefits, claims services staff
shall require the IW or other claimant to provide:
a. A copy of
the “loyalty oath” filed with the political subdivision; and
certified copy of the permanent record attesting to the participation of the IW
as an emergency management worker in the emergency management activity during,
or as a result of which the claim is being made.
1. An IW is
covered by workers’ compensation pursuant to R.C.4123.01(A)(1)(a)
a. The IW is
one of the following:
firefighter, of a lawfully constituted fire department;
first-responder, emergency medical technician-basic, emergency medical
technician-intermediate, or emergency medical technician-paramedic of an
ambulance service organization or emergency medical service organization
pursuant to R.C.
situation being responded to is inherently dangerous;
situation requires immediate response on the part of the worker; and
d. The worker
is responding in the same manner as he or she would when on-duty.
services staff must apply this provision even if the injury occurred outside of
the IW’s regular jurisdiction and regardless of whether the IW works in a paid
or volunteer position.
Ohio Organized Militia (Ohio National Guard, Ohio Naval Militia, Ohio
1. If it
appears the IW is filing a claim as a member of the Ohio Organized Militia (the
State of Ohio would most likely be listed as the employer), claims services
staff must verify that the IW meets the following criteria to be covered by
workers’ compensation pursuant to R.C.
a. The IW
must have been in a state active duty status at the time of injury; and
b. Injury and
occupational disease benefits are not otherwise provided by the federal
services staff must request from the IW a copy of his or her order to report to
duty or other documentation to establish the duty status.
services staff must contact the Ohio Adjutant General’s Department for
assistance in determining whether that IW is eligible to apply for Ohio workers’
compensation benefits or federal workers’ compensation benefits.
services staff must consult with EM staff to determine if a public employer has
an applicable Contract for
Coverage of State Agency or Political Subdivision (U-69) when a
claim is received alleging an injury while the IW was acting in the following
capacity, pursuant to R.C. 4123.03:
a. The IW was
performing community service (typically an individual on probation or
performing community service in lieu of a criminal conviction);
b. The IW was
incarcerated in a state or local correctional facility participating in an
inmate work program;
IW was working as a non-emergency volunteer; or
d. The IW was
serving as a juror.
services staff may refer to BWC Employer Services Contract
for Coverage of State Agency or Political Subdivision policy for
1. If an IW
is not otherwise covered by elective coverage of a public employer, claims
services staff shall find the IW covered pursuant to R.C.
a. The injury
or death is a direct result of performing any act at the request or order of a
duly authorized public official of
state, or any institution or agency of the state, or
political subdivision, including a county, township, or municipal corporation;
request or order was made in a time of emergency.
2. If the
criteria above are met, claims services staff must consider the IW or the IW’s
dependents eligible for all workers’ compensation benefits as provided by law.
services staff must ensure any payments made under this provision are charged
to the Surplus Fund.
services staff will verify that the alleged injury occurred while participating
in an active BWC vocational rehabilitation plan.
services staff shall ensure the correct policy number has been assigned to any claim
involving an IW injured while participating in a vocational rehabilitation
services staff may contact the Rehab Policy unit as needed.
4. BWC shall
charge all compensation and benefits paid in this type of claim to the Surplus
Fund, provided the employer in the source claim pays into the Surplus Fund.
1. If an IW
and employer indicate to claims services staff that they hold a religious exemption
(e.g. Amish) from workers’ compensation coverage, claims services staff must
verify with EM staff that the employer and the IW both have an approved
religious exemption before finding that the IW is not covered by workers’
a. BWC may
approve an employer and employee exemption from workers’ compensation coverage
upon the filing of an Application for
Exemption from Ohio Workers’ Coverage and Waiver of Benefits (U-3E);
employer and the employee must both file the U-3E and obtain approval for the
employer may have some employees that are exempt from coverage and some that
are not; and
employer and employee do not have to be members of the same religious sect.
Following a claim investigation pursuant to the Initial
Claim Determination policy and procedures, claims services staff must investigate
to determine whether:
correct employer has been identified; and
b. The correct
Never had an established policy with BWC; or
policy that is so old that BWC no longer has record of the policy number (for
occupational disease claims);
iii. A policy
is in “cancelled” status, and the date of injury occurred after the policy was
cancelled (see occupational disease exception below).
If claims services staff determines the employer lacks workers’
compensation coverage, claims services staff must obtain a new policy number
(known as a “placeholder policy”) by:
the following information on Request for Placeholder Policy form:
business name or homeowner name;
physical location of business or homeowner;
phone, if available;
iv. A notation of “Placeholder
Policy - claim number #xx-xxxxxx” and the date of injury; and
brief description of the accident.
the Request for Placeholder Policy to the “BWC PPD Rush” email box using
the subject line: “Placeholder Policy Due to Claims”.
The responsibilities regarding obtaining placeholder policy number may
be assigned to various claims services staff members within the service office
at management discretion.
a. The Claims
Service Specialist (CSS) in the lost time service offices must:
the policy issue to Employer Management (EM) staff for investigation, via an IM
to EM referral, to ensure that an employer policy number does not already
creation of a placeholder policy number if EM staff verifies no policy
currently exists for the alleged employer.
Claims Supervisors in Central Claims will complete an employer investigation in
the claims management system then, if appropriate, refer the request from their
staff directly to Policy Processing to obtain a placeholder policy.
4. The Policy
Processing Department must manually place an installment block on all placeholder
policies to prevent installments from billing. This block does not prevent
invoices and documents from being sent to the employer.
5. If claims
services staff discover or identify an existing policy number for the employer
that appears to be applicable to the claim after obtaining a placeholder policy
number, claims services staff must email Policy Underwriting via the “BWC Combine
Unit Inquiries” mailbox and request the policy numbers be reviewed and possibly
combined. For example:
services staff’s investigation of the correct employer determines the correct
employer to be ABC Garage, but ABC Garage has no policy number or coverage.
Therefore, a placeholder policy number is requested for the employer.
b. After the
placeholder policy number is obtained, it is discovered that ABC Garage did
have a policy number and coverage when the placeholder policy number was
services staff will contact Policy Underwriting via the “BWC Combine Unit
Inquiries” mailbox and request the review the two policy numbers assigned to
ABC Garage to determine if the two policies should be combined.
6. If the
claim is for an occupational disease and the correct employer policy is in a
“cancelled” status, the creation of a placeholder policy is not necessary.
Claims Services Staff must update the coverage override drop down to
“Cov-active on DOO” in the Insured Participant details tab so the employer
policy will reflect a covered status for that claim.