One Claim Program (OCP)
March 26, 2018
All policies and procedures regarding the OCP that
predate the effective date of this policy.
Revised: May 15, 2018; August 8, 2016; December 7, 2015;
April 6, 2015; July 3, 2012.
March 26, 2023
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 Regional Employer Management
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.
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:
Be current with respect to all payments due BWC, as defined in OAC 4123-17-14.
Be current on the payment schedule of any part-pay agreement into which
it has entered for the payment of premiums or assessments.
Not have cumulative lapses in workers’ compensation coverage in excess
of forty (40) days within the prior twelve (12) months.
Timely report actual payroll for the preceding policy year and pay any
premium due upon reconciliation of estimated premium with actual premium. An
employer will be deemed to have met this requirement if BWC receives the
payroll report and the employer pays premium associated with such report before
the expiration of the any grace period. See the Payroll
True-Up policy for additional information.
requirements / BWC evaluation of application.
BWC will automatically identify and send notice to employers of their initial
and continuing eligibility for the OCP. BWC has the final authority to approve
The employer must complete and submit the Application for One Claim
to request participation in the OCP for each year of the program eligibility
The OCP-1 must be signed by the Chief Executive Officer or designated
management representative of the employer.
For a PA employer, the application must be
filed by the last business day of January preceding the policy year beginning
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
An employer may participate in the OCP for a maximum of:
Four years in which the employer has a significant claim in its
experience period, or
Five years in which the employer has a significant claim in its
BWC will evaluate the employer’s eligibility each year of the program
eligibility period and provide a renewal application.
The application is available online.
Applications 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
In 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.
The employer may have a maximum of three non-significant
claims at any time in addition to the one significant claim in the employer’s
As a non-significant claim exits the employer’s experience period, the
employer may include a new non-significant claim.
The combined total costs of the three non-significant
claims must be below the employer’s total limited losses (TLL).
The 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.
Once a claim has been designated as the significant claim in initial
enrollment, the employer is not permitted to change this designation during the
program eligibility period.
Settled and subrogated claims will be included in the employer’s total
The employer must meet training requirements outlined in section IV.D
D. Training requirements.
Employers must complete training requirements by the following
PA employers: The last business day of March of the policy year.
PEC employers: The last business day of September of the policy year.
The employer must meet safety requirements as prescribed by the DSH for
the initial year of participation and subsequent years of the program
First year participants: Attend one
half-day (classroom) industry-specific safety course offered by the DSH.
Second, third, fourth, and fifth year
participants: Attend/complete any one of the following:
One half-day (classroom) industry-specific
safety course offered by the DSH.
Three hours of online safety training courses
offered by the DSH.
Three one-hour training sessions at the
All-Ohio Safety Congress and Expo.
A training class or seminar developed by BWC
and approved by DSH for satisfying OCP safety requirements.
Training requirements must be satisfied by the employer on a policy number
basis because each policy number is considered its own separate entity.
An employer with one policy number who is participating in multiple
programs may use one training to fulfill the requirements for multiple programs
because each policy number:
May participate in multiple compatible programs.
May attend classes relevant to multiple safety disciplines, thus
An 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.
BWC will credit the employer with a discount from the employer’s base
rate as follows:
First year of the program eligibility period: A 20% discount (EM = 0.80).
Second 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).
Fourth year of the program eligibility period: A 5% discount (EM = 0.95).
Fifth year of the program eligibility period: A 5% discount (EM = 0.95).
The 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.
Since 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.
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
BWC 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:
The employer fails to meet all eligibility and general requirements of
the OCP set forth in OAC 4123-17-71(C) and (D).
The employer has more than four claims in its
The employer has more than one significant
claim in its experience period.
The combined claims costs of the three non-significant
claims increase past the TLL.
The employer did not complete the required training.
An 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.
BWC 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.
An employer may withdraw from the program at
any time by notifying BWC in writing.
An employer that withdraws from the OCP during
the policy year will be reassigned its individual experience modifier for the
entire policy year.
If 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).
Employer complaints should be processed under the General
Employer Complaint Policy.
Specific extenuating circumstances that apply to the OCP:
Circumstance involving employer’s denial into the OCP as a result of not
meeting the claim eligibility requirements.
Extenuating Circumstance: Employer protests the eligibility criteria for
participating in the OCP. Situations falling under this scenario may
include the following:
Claims assigned to wrong risk.
originally allowed, reversed on appeal and not updated to disallowed status.
Claim 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’ general
Circumstance 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:
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.
Depending on the effective date of the
combination, BWC will either:
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 the 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.
An employer attends two local safety council
seminars lasting two hours each and believes that satisfies 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
An employer has two significant claims and two
non-significant 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. The employer still has two significant claims on its record.