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OhioBWC - Employer:  Promo page

Prospective Billing Information and Resources

Public employer taxing districts: We're offering FREE webinars so you can learn more about prospective billing at your convenience!

As part of our ongoing efforts to modernize our operations and provide better service to Ohio's employers, we have transitioned to a prospective billing system for private employers. Public employer taxing districts will transition on Jan. 1 2016. Prospective billing is an insurance industry standard practice that enables us to collect premiums before extending coverage.

Video: What is prospective billing? - Public Employers

Information for public employers
Public employer taxing districts will receive their 2015 policy period payroll report as normal in December 2015; they will receive their 2016 invoice for the prospective policy period premium in March 2016. A minimum 50-percent payment is due May 16, 2016, for both policy periods. The remainder of the premium is due Sept. 1, 2016. We will credit each of these by 50 percent. This will result in public employer taxing districts paying roughly the same amount during 2016 that would have been due without the transition to prospective billing.

Transition credit eligibility
To receive the transition credit, public employer taxing districts must be in an active or reinstated status as of Jan., 1, 2016.

Notice of Estimated Annual Premium
Under the new prospective billing system, we will mail a Notice of Estimated Annual Premium to public employer taxing districts in December 2015. In subsequent years, we will send the Notice of Estimated Annual Premium in November. The notice is not a bill, but it's an estimate to aid you in budgeting for your workers' compensation premiums.

Video: Overview of the Notice of Estimated Premium - Public Employers

Can BWC adjust the estimated premium if it is not accurate?
Yes. We base an employer's estimated annual premium on payroll amounts the employer previously provided to us. Employers should notify us at 1-800-644-6292 if they believe their payroll amount is incorrect, or if they anticipate a change in operations that will affect their payroll for the policy period beginning Jan. 1, 2016.

What is the new minimum premium and why has the minimum premium increased?
The new minimum premium is $120 plus assessments. The assessments are dependent on the amount of expected payroll and premium that the employer has on its account. A larger amount of expected payroll will result in a larger assessment. We have not increased the minimum premium since 2007, which is eight years without an increase. While we realize this is a 20-percent increase from the previous $100 minimum premium, your premium of just $10 per month protects you from any claim you might incur.

What is the minimum premium adjustment?
The minimum premium adjustment is an adjustment made to bring an employer's calculated premium up to the minimum premium of $120 plus assessments (BWC and Industrial Commission of Ohio administrative costs as well as the charges for the Disabled Workers' Relief Fund).

If you have additional questions, please send an email to our prospective billing mailbox.

Public employer resources

Webinar: Prospective billing for public employers

Sample: Notice of Estimated Annual Premium (PDF)

Letter to public employers - September 2015 (PDF)

Overview for public employers (PDF)

Public employer frequently asked questions (PDF)

Public employer presentation slides (PDF)

Public employer timeline (PDF)

Public employer experience-rating process (PDF)

Private employer resources

Webinar: Prospective billing for private employers

Video: What is prospective billing?

Video: Explaining the Notice of Estimated Annual Premium

Billing invoice update and tips (PDF)

Sample: Notice of Estimated Annual Premium (PDF)

Overview for private employers (PDF)

Private employer frequently asked questions (PDF)

Private employer presentation slides (PDF)

Private employer timeline (PDF)

Private employer experience-rating process (PDF)

Other resources

Online monthly reporting for PEOs - step-by-step guide (PDF)

Overview for state-fund PEOs (PDF)

Letter to PEO clients - June 2014 (PDF)