To participate in the 100% EM Cap Program, employers must meet the following eligibility requirements.
- Employer must have an individual EM for the current policy year of 1.01 or greater.
- No more than 40 days of lapsed coverage within 12 months prior to June 1 preceding the rating year.
- No more than 45 days past due on any premiums, including retrospective rating billings.
- Cap does not apply to employers whose EM is calculated with more than one policy's experience.
In exchange for the discount offered by the EM cap, BWC requires participants to make improvements to their safety programs. CareWorks Consultants, Inc. provides services to assist employers with successful participation in the 100% EM Cap Program. CareWorks Consultants' team of seasoned rate and safety professionals will guide you through the following requirements.
Year 1:
Step 1: Visible, active senior management leadership in safety.
Step 2: Employee involvement and recognition.
Step 6: Safety & health process coordination and employer education.
Two additional steps (under year 2) for a total of five steps.
Year 2:
All 10 steps, if employer qualifies again.
Step 3: Medical treatment and return-to-work practices.
Step 4: Communication of safety issues.
Step 5: Timely notification of claims.
Step 7: Written orientation and training plan.
Step 8: Written and communicated safe work.
Step 9: Written safety and health policy.
Step 10: Recordkeeping and data analysis.
Employer must complete and submit to BWC a 10-Step Plan of Action report (UA-6) and a 10-Step Self-Assessment (SA-5) by March 31 (private employers).
Private employers must submit to BWC, by September 30, a completed Agreement for 100-Percent EM Cap (Form U-18). For public employers the U-18 form must be submitted to BWC by March 31.
Employers participating in the 100% EM Cap Program cannot participate in group experience rating, individual retrospective rating, drug-free safety program or self insurance.
This is to certify that CareWorks Consultants Inc. (ID No.150-80)(Code 31/00) including its agents or representatives identified to you by them, has been retained to review and perform studies on certain workers' compensation matters on your behalf. The limited letter of authority provides access to the following types of information relating to your account: Risk files, Claim Files, Merit-rated or non-merit rated experiences, and other associated data.
