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- Apply through a trade association or other organization of
which you are currently a member;
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- Be current on all undisputed premiums, administative costs, assesments,
fines or monies otherwise due any fund administered by BWC;
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- Unless the employer submits, prior to the application deadline, a dispute
of obligation to BWC's Adjudication Committee by a written letter detailing
reason for objection and supporting documentation, the employer must be current,
not more than 45 days past due on any and all premiums, administrative cost
assessments, fines or monies otherwise due including amounts due for retrospective
rating by the application deadline.
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- Not be participating in part-pay agreement for payment of premiums or
assessments due the state fund at the time the application for group rating
is due;
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Not have cumulative lapses in workers' compensation coverage of 59 days
in the past 18 months preceding the application deadline;
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- Be in an active status on the first day of the policy year for group rating.
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- The employer must be in an active status as of the application deadline.
An employer who becomes active and obtains coverage after the deadline may not
participate in group rating.
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- No employer may be a member of more than one group for the purpose of obtaining
workers compensation coverage. Applying for more than one group on a valid application
for group rating will result in rejection of the employer from all groups for which the
employer applied.
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The group also must demonstrate a common purpose and possess proven results from safety and
loss-control practices. This helps confirm that the group's loss experience will differ from
an individual employer's experience.
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BWC adjusts rates for the group using experience-rating credibility tables appropriate
to the employers taken as a whole, as if the group was one big company. The group rating
plan is an annual plan for the rating of a policy year.
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Largest possible discount and average discount statistics
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95 percent is the largest possible discount a group rating program can achieve.
Last year, the average group rating discount was 60 percent.
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Program deadlines for private and public employers
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- Applications for group rating from private employers must be
received by BWC from the group sponsor by the last business day of February
of the rating year for which they are applying. Example: An application
for the 2005 rating year (July 1, 2005, through June 30, 2006) must be submitted
by the group sponsor to BWC by Feb. 28, 2005.
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- Applications for group rating from public employers must be
received by BWC from the group sponsor by the last Friday of August
for the upcoming rating year of which they are are applying. Example:
An application for the 2006 rating year (Jan. 1, 2006 through Dec. 31, 2006)
must be submitted by the group sponsor by Aug. 26, 2005.
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