One Claim Program (OCP)
July 1, 2016
All policies and procedures regarding the OCP that
predate the effective date of this policy.
Revised: August 8, 2016; December 7, 2015; April 6,
2015; July 3, 2012.
July 1, 2021
The Ohio Bureau of Workers’
Compensation (BWC) will provide a program to lessen the impact of a significant
claim that comes into an employer’s experience. BWC will permit such employers
to participate in the One Claim Program (OCP) as outlined in the applicable
laws and rules.
This policy applies to employers,
authorized representatives, BWC Employer Programs, and Field Operations.
training course: Safety course specifically
identified by BWC as applicable to a specific industry group. Private employer
industry groups are identified in OAC 4123-17-05,
Table 1, Part A. Industry-specific safety courses are listed
in the Division of Safety & Hygiene (DSH) Safety
Claim Program (OCP): BWC’s voluntary rate program which offers a private,
state fund employer (PA) or a public employer taxing district employer (PEC) the
opportunity to mitigate the impact of a significant claim entering the
employer’s experience for the first time.
C. Online safety
training class: Training course offered by the DSH through the Internet (as
opposed to a classroom course).
eligibility period: The four or five policy years in which an employer has
a significant claim in its experience period.
claim: A claim whose total value or maximum claim value, whichever is
lower, will be greater than the employer’s total limited losses (TLL) as
defined in OAC 4123-17-03.
Once a claim has been designated as the significant claim, that designation
cannot be changed during the program eligibility period.
limited losses (TLL): Total expected losses for an employer multiplied by
the limited loss ratio. Total expected losses are determined by applying
expected loss rate to the payroll of each classification in the employer’s
experience period. (OAC 4123-07-03)
requirements: As of the initial application deadline, the employer must be
enrolled in the Group Experience Rating Program. At the time of initial
application and each renewal application, the employer must:
current with respect to all payments due BWC, as defined in OAC 4123-17-14.
current on the payment schedule of any part-pay agreement into which it has
entered for the payment of premiums or assessments.
have cumulative lapses in workers’ compensation coverage in excess of forty (40)
days within the prior twelve (12) months, except:
the policy year starting July 1, 2015, a PA employer must not have cumulative
lapses in workers’ compensation coverage in excess of forty (40) days within
the prior nine months.
the policy year starting January 1, 2016, a PEC employer must not have
cumulative lapses in workers’ compensation coverage in excess of forty (40)
days within the prior nine months.
of the application deadline, the employer must have reported actual payroll for
the preceding policy year and paid any premium due upon reconciliation of
estimated premium with actual premium no later than the due date as set forth
in OAC 4123-17-14.
An employer will be deemed to have met this requirement if BWC receives the
payroll report and the employer pays premium associated with the payroll report
before the expiration of the grace period, if any as provided in OAC 4123-17-16(B).
requirements / BWC evaluation of application.
will automatically identify and send notice to employers of their initial and
continuing eligibility for the OCP. BWC has the final authority to approve
employer must complete and submit the Application for One Claim Program (OCP-1)
to request participation in the OCP for each year of the program eligibility
OCP-1 must be signed by the Chief Executive Officer or designated management
representative of the employer.
a. For a PA employer, the application must be filed by the last
business day of January preceding the policy year beginning July 1.
b. For a PEC employer, the application must be filed by the
last business day of July preceding the policy beginning January 1.
If the application is received after the application
deadline, BWC will reject the application and notify the employer by
employer may participate in the OCP for a maximum of:
years in which the employer has a significant claim in its experience period,
years in which the employer has a significant claim in its experience period.
will evaluate the employer’s eligibility each year of the program eligibility period
and provide a renewal application.
application is available online.
may be faxed to BWC Employer Programs Unit at (614) 621-1405.
Applications may be mailed to:
Bureau of Workers’ Compensation
Programs Unit, Level 22
C. General program requirements.
signing the application form, the chief executive officer or designated
management representative of the employer is certifying to BWC that the
employer will comply with all program requirements.
employer may have a maximum of three medical-only
claims at any time in addition to the one significant claim (either lost time
or medical-only) in the employer’s experience period.
a medical-only claim exits the employer’s experience period, the employer may
include a new medical-only claim.
b. The combined total costs of the three medical claims
must be below the employer’s total limited losses (TLL).
employer may participate in the OCP on no more than one significant claim within
the program eligibility period from the date of the employer’s initial
participation in the program.
a claim has been designated as the significant claim in initial enrollment, the
employer is not permitted to change this designation during the program
and subrogated claims will be included in the employer’s total claim count.
employer must meet training requirements outlined in section IV.D below.
D. Training requirements.
must complete training requirements by the following deadlines:
For policy years prior to July 1, 2015, the deadline is the last day of
the policy year.
For policy years starting on or after July 1, 2015, the deadline is the
last business day of March.
For policy years prior to January 1, 2016, the deadline is the last day
of the policy year.
For policy years starting on or after January 1, 2016, the deadline is
the last business day of September.
employer must meet safety requirements as prescribed by the DSH for the initial
year of participation and subsequent years of the program eligibility period.
year participants: Attend one half-day
(classroom) industry-specific safety course offered by the DSH.
4. Second, third, fourth, and fifth year participants:
Attend/complete any one of the following:
a. One half-day (classroom) industry-specific safety course
offered by the DSH.
b. Three hours of online safety training courses offered by
Three one-hour training sessions at the
All-Ohio Safety Congress and Expo.
d. A training class or seminar developed by BWC and approved
by DSH for satisfying OCP safety requirements.
requirements must be satisfied by the employer on a policy number basis because
each policy number is considered its own separate entity.
employer with one policy number who is participating in multiple programs may
use one training to fulfill the requirements for multiple programs because each
May participate in multiple compatible programs.
May attend classes relevant to multiple safety disciplines, thus
employer with multiple policy numbers who is participating in a single program may
use one training credit to fulfill the requirement for one policy number
because each policy number:
Has separate responsibilities to complete the requirements set forth in
the programs chosen.
Receives discounts separately.
will credit the employer with a discount from the employer’s base rate as
year of the program eligibility period: A 20% discount (EM = 0.80).
year of the program eligibility period: A 15% discount (EM = 0.85).
Third year of the program eligibility period: A 10% discount (EM = 0.90).
year of the program eligibility period: A 5% discount (EM = 0.95).
year of the program eligibility period: A 5% discount (EM = 0.95).
discount will only be applied to the premium rate including administrative
costs, not to the Disabled Workers’ Relief Fund (DWRF). DWRF is calculated by
strictly using the base rate.
the OCP rate is a fixed discount rate that cannot be changed, no adjustments
will be applied to the employer’s account. For instance: if an employer has a
90% handicap on a claim during the time the employer is in the program, the
handicap will not be applied to the OCP discount.
4. An employer participating in the OCP may participate
in other compatible BWC discount programs during its participation in the OCP as
outlined in OAC 4123-17-74, Appendix
will remove an employer from participation in the OCP at the beginning of the next policy year and, upon removal, will return the
employer to its individual EM if:
employer fails to meet all eligibility and general requirements of the OCP set
forth in OAC 4123-17-71(C) and (D).
employer has more than four claims in its experience
The employer has more than one significant
claim in its experience period.
combined claims costs of the three medical-only
claims increase past the TLL.
employer did not complete the required training.
employer removed from OCP for failure to report actual payroll for the
preceding policy year and pay any premium that is due upon reconciliation of
estimated premium with actual premium will be rerated for the full policy year
at the employer’s base rate or experience modified rate as determined by the
employer’s expected losses for the policy year.
will notify an employer in a letter when a requirement is not met and give
justification for removal. For example: The employer did not meet the OCP’s
annual educational training requirements.
employer may withdraw from the program at any time by
notifying BWC in writing.
a. An employer that withdraws from the OCP during the policy
year will be reassigned its individual experience modifier for the entire
an employer withdraws from the program and has any
remaining years in the program eligibility period, the employer may reapply for
the OCP using the same significant claim as its one designated claim.
(e.g., an employer enrolls in OCP for the first year, and then withdraws the second
year. It may reapply for the third, and/or fourth year remaining on its
original program eligibility period).
G. Resolution of
complaints should be processed under the General
Employer Complaint Policy.
extenuating circumstances that apply to the OCP:
involving employer’s denial into the OCP as a result of not meeting the claim
Extenuating Circumstance: Employer protests the eligibility criteria for
participating in the OCP. Situations falling under this scenario may
include the following:
assigned to wrong risk.
originally allowed, reversed on appeal and not updated to disallowed status.
costs exceeding TLL due to payments made in error.
Supporting documentation: BWC or IC orders detailing reversals of
previous claim decisions that specifically impact the employers’ eligibility
involving employer in full combination where the predecessor policy was
enrolled in the OCP with eligibility years remaining in the program.
Extenuating Circumstance: The successor policy
desires to maintain eligibility and retain the discount. The successor
may be granted OCP participation provided all criteria for program eligibility
Supporting documentation: Documentation
showing the predecessor policy completed all requirements for policy years in
which it actively participated in the OCP.
Resolution: The following conditions must be
met for the employer’s request to be granted:
a) The total combined number and types of claims from the
predecessor and the successor must meet the claim requirement for participation
in the OCP.
successor policy is not participating in any other
BWC program that is incompatible with OCP.
c) Depending on the effective date of the combination, BWC
Require the successor to file an OCP-1, or;
Use the predecessor’s OCP-1 to transfer
program participation to the successor.
iv. Action: The successor policy will be granted OCP discount
effective with the start of the next applicable policy year. (The
predecessor will receive the OCP discount through the end of the policy year in
which the combination took place. The successor will receive the discount
beginning with the start of the next policy year). The successor policy
discount is only for the remaining years of the original program.
Circumstance involving the change in
credibility table for 2010 that established level of expected losses to be a
base rated employer at $2,000.
Extenuating Circumstance: An employer that was
base rated and in the OCP continues to meet the program eligibility criteria
established during the policy year of enrollment and will be permitted to
continue in the program and retain the discount
Resolution: The following conditions must be
met for the employer’s request to be granted.
a) The claim cost of the claims involved in the evaluation
remains consistent with the OCP eligibility of the previous year.
b) Policy was base rated in the previous policy year and the
change in maximum credibility caused the policy to become experience rated.
Policy only eligible for discount for the
remaining years of the original program.
iv. Policy must maintain all eligibility criteria for the
1. An employer attends two local safety council seminars
lasting two hours each and considers that as meeting the requirement for one training
course for the OCP. Are these seminars valid?
Answer: No. An employer must attend either a DSH
sponsored course/on-line class or attend the All-Ohio Safety Congress &
Expo. Safety council meetings are not considered DSH-sponsored training
2. An employer has two significant claims and two medical only
claims, but settles one of the significant claims. Is the employer now
eligible for the OCP?
Answer: No. Settled claims are included in the claim
count; hence, the employer still has two significant claims on its record.