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 As part of Ohio BWC ongoing efforts to modernize their operations and provide better service to Ohio's employers, they will be transitioning to a new prospective billing system beginning in July 1, 2015 for private employers and Jan. 1, 2016 for public employer taxing districts. Prospective billing is an insurance industry standard practice that will enable us to collect premiums before extending coverage.

Private employers: BWC has mailed your first Notice of Estimated Annual Premium. Also, please pay particular attention to the three items listed below.

1.     Don't miss out on the transition credit!

To receive the transition credit, private employers must be in an active, reinstated, or debtor-in-possession status on July, 1, 2015. You must report your Jan. 1, 2015 - June 30, 2015, payroll by Aug. 31, 2015 to receive the transition credit equal to your premium for that time period. Once you have reported your payroll, we will apply the transition credit to your account. 

2.     How can I change my installment plan after the policy period has started?

BWC will start all private employers on a six-installment payment plan (bi-monthly). If you wish to change your installment plan, you have until July 15, 2015, to make that selection online or by calling 1-800-644-6292. BWC encourages employers to stay on the initial payment plan for the first year unless you have a significant reason to change. 

3.     Can you adjust my estimated payroll if I know it is not accurate?

BWC has based your estimated premium on payroll amounts that you previously provided to us. If you believe the payroll amount is incorrect, or if you anticipate a change in operations that will affect your payroll for the policy period beginning July 1, 2015, please notify us at 1-800-644-6292. 

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. BWC has not increased the minimum premium since 2007, which is eight years without an increase. While BWC 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 your 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).

Please click the links below to view a summary from the BWC, along with answers to frequently asked questions.

Prospective Billing Overview for Private Employers

FAQ's for Private Employers