July 1, 2015
Lapse-Free Discount policy effective July 1, 2012.
Revised August 29, 2016; July 30, 2015. New policy issued
April 5, 2013.
July 1, 2020
The Ohio Bureau of Workers’
Compensation (BWC) will provide a rebate to employers that maintain lapse-free
coverage as outlined in OAC 4123-17-14.4.
This policy applies to employers,
authorized representatives, BWC Employer Programs, and Field Operations.
status: A coverage status applied to an employer’s policy. Active status
does not include an employer policy with a status of lapsed, cancelled, or no
eligibility evaluation dates:
a private employer (PA) the evaluation date is the July 1 immediately after the
conclusion of the participating policy year.
a public employer taxing district (PEC) employer the evaluation date is the
January 1 immediately after the conclusion of the participating policy year.
coverage that is in an active policy status at the time of calculation;
of the rebate eligibility evaluation date, not have had a lapse in coverage
during the preceding sixty (60) months, and;
Have reported actual payroll for the applicable policy year and paid any
premium due upon reconciliation of estimated premium and actual premium, no later
than the due date set forth in OAC 4123-17-14.
following employers are not eligible for the Lapse-Free Rebate:
paying the minimum administrative charge for the applicable policy year as set
forth in OAC 4123-17-26.
application is required. If an employer meets the eligibility criteria, BWC
will calculate a rebate.
reporting of zero payroll or the paying of the minimum administrative charge in
prior payroll periods are not factors in evaluating the employers Lapse-Free eligibility.
rebate percentage is the amount identified in the appendix
to OAC 4123-17-75. The rebate is the lesser of:
percent (1%) of the employer’s blended premium costs in the applicable policy
maximum of two thousand dollars ($2,000).
rebate is calculated after the employer has reported annual payroll for the
applicable policy year and paid any premium it owes, no later than the due date.
rebate cannot reduce the employer’s premium below the amount of the minimum
may recalculate the employer’s rebate if there is a subsequent rate adjustment
to the employer’s account for the applicable policy year.
employer receiving the Lapse-Free Rebate may participate in other compatible
BWC employer programs as outlined in OAC 4123-17-74, Appendix C.
C. Resolution of
complaints should be processed under the General
Employer Complaint Policy.
has not identified any specific extenuating circumstances that apply to the Lapse-Free