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PROGRAMS - ONE CLAIM PROGRAM

The OCP is BWC's voluntary rate program for private, state-fund employers currently participating in a group-rating program. The OCP is designed to help employers with minimal claims lessen the financial impact of a single uncharacteristic claim. In order to qualify, the claim must be entering your experience and must have caused your removal from a group-rating program. Eligible employers will receive a 40-percent discount off of their base rate for up to four years while the one significant claim remains in their experience.

In addition to the 40-percent discount, the OCP provides an opportunity for employers to work closely with their managed care organizations, third party administrators and BWC representatives to gain a better understanding of claims management and work to prevent future claims. A strong relationship with workers' compensation partners and effective claims management can help employers get back into a group-rating program more quickly.

As a bonus, employers may also participate in BWC's Drug-Free Workplace Program or Drug-Free EZ and stack the drug-free premium discount on top of the OCP base rate discount.

To be eligible for the OCP, a participant must:

• Be a private, state-fund employer;
• Be currently enrolled in a group-rating program;
• Have a single significant claim entering their experience that prevents them from being renewed for their group-rating program;
• Not have more than three medical-only claims in addition to the one significant, lost-time claim during the past five years;
• Be current (no more than 45 days past due) on any premiums, assessments or other monies due to BWC.

To maintain eligibility in the OCP, employers must:

• Not allow the total cost of the three medical-only claims to exceed their expected losses - also known as total limited losses - calculated for that policy year;
• Attend BWC's annual Workers' Compensation University and at least one other BWC-approved training course each policy year;
• Remain current on any premiums, assessments or other monies due to BWC.

One Claim Program Application