CCAOSC Workers’ Comp Group Rating Plan
Group Rating (also called Group Experience Rating) allows employers who operate similar businesses to join together to achieve lower premium rates than they could as individual employers. Group experience rating guidelines are outlined in OAC 4123-17-61 to 68. Group members are all charged the same Group Rating premium rate rather than their individual experience rated premium. An organization to which all the employers belong, such as a trade association, acts as the group sponsor, and must be certified by the Ohio Bureau of Workers’ Compensation (BWC). The group sponsor must provide education and communication to group members on safety and reducing workplace injuries, and must submit a safety plan each year to be approved by the BWC. The County Commissioners’ Association of Ohio Service Corporation (CCAOSC) sponsors a Group Rating Plan for member counties. This is the only group experience rating plan available to counties. All eligible counties are offered an opportunity to join each year. From its inception in 1992, the CCAOSC Group Rating Plan has saved counties millions of dollars in workers’ compensation premiums. To be eligible for the CCAOSC Group Rating Plan, a county must:
- Be a member of the CCAO,
- Be within the Plan’s payroll size and experience parameters, and
- Agree to work toward the implementation of the Plan’s workplace safety and claims management guidelines entitled the 10 Step Safety Plan for County Government.
CCAOSC Workers’ Comp Group Retrospective Rating Plan
Group Retrospective Rating (“Group Retro”) is a performance-based incentive program designed to reward a group of similar employers who are effectively managing safety and workers’ comp claims. This reward is in the form of rebates which are based upon the group achieving lower than average claims experience in a given year. Group Retro guidelines are outlined in OAC 4123-17-73 and 68.
Each group is organized through a BWC-certified sponsor who is responsible for screening potential group retro members based upon safety and claims management criteria established by the Group. The group sponsor must provide education and communication to group members on safety and reducing workplace injuries, and must submit a safety plan each year to be approved by the BWC.
Group retrospective rating member employers initially pay their individual experience rated premium to the BWC as if they were not in a retro group. The total of the individual premiums for the group members is the “standard premium” of the group. 12 months after the end of the policy year, the BWC will calculate the group retrospective premium, based upon developed incurred claim losses of the entire group. The BWC will then compare the group retrospective premium to the standard premium. If the retrospective premium is lower than the standard premium, group members will receive a rebate of the difference. If the retrospective premium is higher, each group member will be charged an assessment to cover the shortfall. This calculation is done again at 24 and 36 months, providing a financial incentive for group members to continuously work on safety and claims management.
Since 2010, the CCAOSC Group Retrospective Rating Plan has saved member counties millions of dollars. Members must meet the group’s underwriting guidelines and agree to implement the Group’s written Safety and Claims Management Expectations.
CCAO contracts with CompManagement, Inc. to administer the Group Rating and Group Retro Plans.
CompManagement, Inc. is an endorsed CCAOSC program partner. For further information, please contact:
P.O. Box 884
6733 Emerald Parkway
Dublin, OH 43017
614/766-5223 or 888/247-7799
Elizabeth Miller, Esq.
CORSA Claim and Litigation Manager
County Commissioners Association of Ohio
209 East State Street
Columbus, OH 43215-4309
614/220-7989 or 888/757-1904 x 205
Safety Information 10 Step Safety Plan for County Government – Action Plan