To participate in group-experience rating, you must meet the following criteria:
Be current on all undisputed premiums, administrative costs, assessments,
fines or monies otherwise due to BWC;
More specifically, you must be current, not more than 45 days past the due date on any
balance greater than $200 due to BWC, by the group-rating application deadline. The only
exceptions are when a policy is placed into an appealed status or a BWC-approved payment
plan is in place.
Be current on the payment schedule for any scheduled part-pay agreement
you've entered into to pay premiums or assessments otherwise due BWC
as of the application deadline;
For public employer taxing district groups and private employer groups, employers cannot have
cumulative lapses in workers’ compensation of 40 days in the past 12 months preceding the
Not be a member of more than one group. If you apply for more than
one group on a valid group-experience-rating application, BWC will reject you
for all groups.
Third-party administrators must submit a list of employers who are
members of each group to BWC by the required application deadline.
The employers within the group must be businesses that are substantially
Each sponsoring organization’s group program must substantially improve
accident prevention and claims handling. The sponsoring organization must
The group must consist of at least 100 individual employers, or the combined
premiums of the employers must exceed $150,000.
Once you meet that criteria, apply for group-experience rating through a trade
association or other organization of which you are a governing member.
Groups 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.
BWC adjusts rates for groups that use experience-rating credibility
tables appropriate to the employers taken as if the group was one big company.
The group-experience-rating plan is an annual plan for the rating of a policy year.
Largest possible discount and average discount statistics
The maximum possible discount an employer in the group-experience-rating program
may receive is 53 percent.
Marketing a discount greater than 53 percent is a violation of Ohio law. BWC may take action against a sponsoring association
that provides inaccurate quotes. Should you receive any copies of materials
that provide discounts exceeding 53 percent, please fax them to 614-621-5799.
Employers joining the group-experience-rating program through the Grow Ohio Incentive Program may be
eligible to receive up to 53 percent discount for the remainder of the policy year.
Organizations choosing to sponsor groups must be certified by BWC. Click on the link
below to see the current list of group-rating sponsors.
BWC-Certified Sponsor List: Group-Experience-Rating Program and Group-Retrospective-Rating Program
Program deadlines for private and public employers
For private employers, BWC must receive applications from the group sponsors by
the last business day in February of the rating year for which they are applying.
For public employers, BWC must receive applications from the group sponsors
on or before the last Friday of August of the year immediately preceding the rating year.
Group-experience rating - additional contact information
Sponsor and TPA list
BWC Rules and Statutes page - see OAC 4123-17-74 and related appendices