Workers Compensation Plan - Ohio Restaurant Association

The ORA has proudly served the foodservice industry since 1920, and offered assistance with navigating the Ohio Workers' Compensation system to its members for over 25 years.

Workers’ compensation in Ohio is challenging to navigate and can be extremely costly if companies fail to follow the rules established by the Ohio Bureau of Workers’ Compensation (BWC).

That's why we've developed ORA Workers’ Compensation Group Rating Plans. There’s a plan that’s right for your company.

enroll today!

Contact:

Laura Morrison

Managing Director of Membership & Employer/Food Safety

P: 866.331.6424

E: lmorrison@ohiorestaurant.org

Not an ORA Member yet? Join today and start saving!

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GROUP RATING

The ORA partners with Premier Vendor CareWorks Comp to offer our members the only group rating plan specifically designed for Ohio's restaurant & foodservice industry.

Our group plan helps employers of member companies achieve the highest group rating discount possible - projected to save $5.2 million, with an average ORA plan member saving up to $2,500 in workers' compensation premiums, or $19,200 in rebates.*
*Depending on which group plan chosen.

For a free analysis of potential member savings, contact:
LAURA MORRISON
DIRECTOR OF EMPLOYER AND FOODSERVICE SAFETY & CERTIFICATION
866.331.6424
lmorrison@ohiorestaurant.org

The ORA group rating plan, administered through a partnership for over 25 years with CareWorks, annually maintains a high rate of member satisfaction with a consistent 95% retention rate.

You’ll have a qualified team working on your behalf. Allow the ORA + CareWorks partnership help control costs of current claims & protection from future claims.

Unemployment. Receive help in controlling your unemployment tax rate, dealing with state agencies, contesting claims and detecting charge errors so you can focus on your business.

Risk Management

As a safety partner, CareWorks Comp helps minimize claims through free safety inspection and evaluation and by providing comprehensive risk management education. No one else can offer you the level of service and commitment tailored for your foodservice needs.

CareWorks Comp TPA

As a group third-party administrator (TPA), the company’s expert staff are specifically assigned to help you navigate through the process. For more than 25 years, CareWorks Comp has been providing ORA members with total workers' compensation cost control solutions.

Sedgwick MCO

The Managed Care Organization (MCO) of choice for more than 115,000 employers throughout Ohio based on a tradition of caring, Sedgwick MCO provides high-quality medical management services, helping injured workers recover from workplace injuries and return to healthy, productive lifestyles as quickly and safely as possible.

GROUP RATING
EM CAP
ONE CLAIM PROGRAM
INDIVIDUAL RETROSPECTIVE RATING
BWC’S DEDUCTIBLE PROGRAM
$15K MEDICAL-ONLY
INDUSTRY SAFETY PROGRAM
SAFETY COUNCIL REBATE PROGRAM
FLEX PAY PROGRAM
TRANSITIONAL WORK PROGRAM & TRANSITIONAL WORK BONUS
GROUP RETROSPECTIVE RATING:
Employers who do not qualify for group rating may want to explore this alternative rating program, which is designed to reward participants that are able to keep their claim costs below a predetermined amount.

Employers continue to pay their individual premium; however, they have the opportunity to receive retrospective premium adjustments.
Employers committed to improving workplace safety and accident prevention in order to reduce the frequency and severity of accidents involving their employees should investigate this program further as an additional savings tool.

ARTICLES TO READ

How does the BWC calculate rates? Read more here and here.

Are you buying or selling a business in Ohio? Read more.

BWC coverage basics: coverage status information. Read more.

Where can I get more information on safety training? Click RESOURCES and TRAINING

Group-Rating Safety Accountability Letter

This accountability letter explains the importance of group-rating safety accountability. Each year Ohio employers have the opportunity to participate in BWC’s Group-Experience-Rating Program or Group-Retrospective-Rating Program. While these programs are not required, they do provide you with an opportunity to significantly reduce your workers’ compensation premiums, while increasing your awareness of safety and risk management strategies.

Payroll Reports Information: Click here.

QUESTIONS?

Contact your CareWorks Comp Program Manager

Theresa Passwater

Phone: 614.526.7248

Email: theresa.passwater@careworkscomp.com

WORKERS' COMPENSATION
TPA | MCO | Unemployment