Delivery of Funds
Percy, Chief of Operational Policy, Analytics and Compliance (signature on
12/4/14; Revised 11/14/16
purpose of this policy is to ensure that compensation and benefit payments are made
in the most timely, efficient and safe manner available.
policy applies to all Field Operations and Benefits Payable staff.
Clearing House (ACH): an electronic network for processing financial transactions,
including direct deposits, in the United States.
an injured worker or a dependent who is receiving payment from BWC.
and/or benefit payment that covers current and/or past periods of payment but
does not extend to future scheduled payments.
Benefits Transfer (EBT): benefit card program for the deposit of funds into an
account established for the benefit recipient.
Funds Transfer (EFT): direct deposit of funds from BWC into the benefit recipient‘s bank account with a financial institution.
Payable system that creates and tracks EFT and EBT accounts.
compensation payments that are scheduled to occur into the future, usually
every two weeks.
of recouping money from the benefit recipient, due to the death of the benefit
recipient, from a bank account or benefit card to which BWC deposited benefits.
Reversal: act of recouping money
from the benefit recipient due to a processing error from a bank account or
benefit card to which BWC deposited benefits.
funds are actually available to the benefit recipient.
A. It is the policy of BWC to pay compensation
awards via EBT or EFT.
B. It is the policy of BWC
to require EBT or EFT participation and only issue paper warrants for the
1. It is the initial
payment on a claim for the benefit recipient and no previous open EFT or EBT
2. The benefit recipient
does not have or provide a social security number.
3. The payment is made to
honor an Authorization to Receive a Workers’ Compensation Payment (C-230).
4. The payment is made to
the IW in care of the employer for wage agreements.
5. The benefit recipient
has applied in writing to Benefits Payable and Benefits Payable has approved
the opt-out from the EBT and EFT programs.
C. The benefit recipient may enroll in EFT by:
1. Completing the ACT Enrollment and Direct
Deposit Authorization (A-12) form and returning it to Benefits Payable by
mail at PO Box 15429, Columbus, OH 43215 or by fax at (614) 621-1140;
2. Completing the A-12 online at www.bwc.ohio.gov; or
3. Calling the BWC Customer Contact Center at
1-800-644-6292 or Benefits Payable at 614-728-0741.
D. Enrollment requests shall not be imaged to the
claim because banking account information is confidential information.
E. If the benefit recipient does not enroll in
EFT, it is the policy of BWC to default to the EBT program, and it shall occur
F. Changing EFT Direct Deposit
1. The benefit recipient may make changes to the
direct deposit information, including banking institution changes.
2. The benefit recipient may change information
the Direct Deposit ACT Bank Change (A-35) form and returning it to
Benefits Payable by mail at PO Box 15429, Columbus, OH 43215 or by fax at
the A-35 online at www.bwc.ohio.gov; or,
the BWC Customer Contact Center 1-800-644-6292 or Benefits Payable at
G. Canceling EFT Direct
1. The benefit recipient may cancel the direct
deposit by agreeing to receive payments via the EBT benefit card.
2. The benefit recipient may cancel by:
the Electronic Benefit Card Enrollment Application (A-21) form and
returning it to Benefits Payable by mail at PO Box 15429, Columbus, OH 43215 or
by fax at 614-621-1140;
the A-21 online at www.bwc.ohio.gov; or,
the BWC Customer Contact Center at 1-800-644-6292 or Benefits Payable at
H. If there is a break in compensation, payments
may resume electronically depending on circumstances:
a. Payment will be made
EFT if the benefit recipient has an open EFT account within the preceding 12
months, including in a different claim.
b. If a payment has not
been made within 12 months, the EFT is closed and the benefit recipient
receives a paper warrant until the benefit recipient enrolls in either EFT or
defaults to EBT.
2. EBT - If six months or
more has passed from the last EBT payment to a benefit recipient, the benefit
recipient shall receive a notice of inactivity at the time payment is issued to
the EBT. The notice includes notification of deposit and instructions for
replacing the card, if needed.
staff may refer to the corresponding procedures for this policy entitled
“Procedure for Electronic Delivery of Funds” for further guidance.