Individual quarterly claim costs provides a summary of claim costs and reserves for a specific claim. BWC will use Micro Insurance Reserving Analysis (MIRA II) system to calculate the claim reserves for all claims from June 30, 2008, to July 1, 2020. Any claim with a date of injury on or after July 1, 2020 will be calculated with the Actuarial Claims Estimation System (ACES). The definitions below will help you better understand the contents of the report.

Quarter end date - Information displayed will default to the most recent quarter. You'll see a drop-down menu you can use to view up to 20 quarters of past claim costs and reserve information.

Risk costs

• Medical risk cost - Authorized risk medical payments as of the effective date
• Indemnity risk cost - Authorized indemnity (compensation) risk payments as of the effective date
• Reserves risk - Sum of authorized reserves as of the effective date

Surplus costs

• Medical surplus cost - Authorized medical surplus payments as of the effective date
• Indemnity surplus cost - Authorized indemnity (compensation) surplus payments as of the effective date
• Reserves surplus - Authorized surplus reserves as of the effective date

Miscellaneous costs

• Subrogation amount - The recovery amount actually collected by BWC. BWC credits the employer's policy for rate making purposes based on the recovery amount. BWC uses the subrogation amount in the experience calculation which helps to reduce claim costs.
  Subrogation amount/Total unlimited claims cost = Percentage of reduction
  BWC will reduce claims costs, which can be reduced, by that percentage. You will not see that reduction here.
Click here to learn more about subrogation.
• Handicap percent - Percentage of the claim's costs charged to the statutory surplus fund instead of the employer's experience. BWC reduces claims costs, which can be reduced, by the handicap percent awarded. You'll see the separation of claims costs to the risk and surplus fund as a result of the handicap award here.
Click here to learn more about handicap reimbursement.
• Appeal - Appeal indicator reflects if someone has appealed this claim to the Ohio Industrial Commission. Pursuant to the 2004 Ohio Supreme Court decision, the medical costs associated with a claim in appeal status shall not be used in the employer's experience calculation. If the claim and/or additional conditions in the claim is subsequently allowed, the medical costs will be placed back into the experience calculation for all years in which medical costs were previously omitted or removed. Also, BWC will recalculate the experience calculation according to the addition of the medical costs. You will not see the medical cost reduction in this service offering.