Any employer wanting to participate in individual-retrospective rating must have at least
$25,000 of estimated premium. Then, the employer must meet specific eligibility
requirements for either the Tier I or Tier II individual-retrospective rating plan. See Related links
Tier II eligibility requirements are the same as Tier I unless an employer has
entered into any partial payment arrangement with BWC. For Tier I, you cannot have
entered into a partial payment agreement for the payment of assessments due the
state insurance fund for the past three rating years before the start date of the
retrospective policy year. BWC can waive this for Tier II applicants.
You must be in an active status on the first day of the policy year. BWC's
administrator may waive this requirement for new businesses moving into Ohio.
Also, you cannot have cumulative lapses in coverage in excess of 15 days within the
last five rating years.
To qualify for individual-retrospective rating you must demonstrate financial strength and
stability. We consider several criteria (OAC 4123-17-42(C)(1))
to determine this.
You must be current on any and all undisputed premiums, administrative costs,
assessments, fines or monies otherwise due to any fund we administer, including
amounts due for individual-retrospective rating. In addition, you cannot have any unpaid audit
findings or other unpaid billings as of the application deadline.
Employers enrolled in the individual-retrospective-rating plan Tier II must maintain a safety program acceptable to
BWC's Division of Safety & Hygiene.
Hazard class (OAC 4123-17-45)
Public employers - For all public employer taxing districts, the hazard group shall
be that group specifically developed for such employers and that BWC's administrator
periodically establishes with the advice and consent of the BWC Board of Directors.
Therefore, public employers only have one minimum premium percentage, individual-
Minimum premium percentage is the percentage applied to the experience premium to determine the
fixed cost BWC will charge, separate from the claims costs associated with the year of
participation. BWC's administrator set those percentages to be effective for the
Jan. 1, 2007, policy year as indicated in appendices A (Tier I) and B (Tier II).
Please see the minimum premium percentage retrospective rate chart in
Related links below.
Private employers - Hazard groups for all private employers come from the
individual-retrospective-rating section in the National Council on Compensation Insurance (NCCI) governing
manual. Once you determine your hazard group, you can select the minimum premium
percentage, individual-retrospective-rate chart for your hazard group. (See Related links.)
Minimum premium percentage is the percentage applied to the experience premium to determine the fixed cost BWC
will charge, separate from the claims costs associated with the year of participation.
BWC's administrator set those percentages to be effective for the July 1, 2006,
policy year as indicated in appendices A (Tier I) and B (Tier II). Please see the
minimum premium percentage, individual-retrospective-rating chart in Related links below.
Applying for individual-retrospective rating
The application for any individual-retrospective rating plan is optional for you, subject to
our acceptance. Once you decide to participate in individual-retrospective rating, all your
business operations are subject to it.
To apply, you must complete either the Application for Individual-Retrospective Rating Plan for
Private Employers (U-20) or the Application for Individual-Retrospective Rating Plan for Public
Employers (U-21) in its entirety - including but not limited to, the selection of a
per-claim limit and maximum premium percent. Please see Related links below for applications. We will reject incomplete applications.
An application for individual-retrospective rating is good for only one policy year. To
continue the plan, you must apply and meet eligibility requirements yearly.
- Enrollment deadline for private employers – on or before the last business
day in January
- Enrollment deadline for public employers – on or before the last business
day in July
If you want to make changes to your application, you must submit a new form prior to
the deadline. If you want to withdraw your application, you must do so in writing
prior to the deadline. The document must be signed by an officer of the company. We
will not accept any changes after the application deadline. We will use the latest
application filed prior to the deadline to determine your premium obligation.
Minimum premium percentage
Application for Individual-Retrospective-Rating
Plan for Private Employers (U-20)
Application for Individual-Retrospective-Rating Plan
for Public Employers (U-21)
BWC Rules and Statutes page - see OAC 4123-17-41 through 4123-17-54 and related appendices; also OAC 4123-17-74 and related appendices