I was born to do Ohio workers’ compensation. Managing workers’ comp claims while working for a personnel consultant propelled me to become a business owner helping other business owners.
As a business owner, I know what my clients want: a trusted advisor who works consistently to help them minimize their premiums. I guide them when it’s time to make a decision like whether to accept or fight a claim. I remind them when their premium installments are due and when it’s time to report their payroll during true-up. I send personalized reminders so they know exactly what to do and how to pay. If they are buying all or part of a company, I analyze and advise so they don’t acquire a workers’ comp nightmare.
The Third-Party Administrator is the watchdog over all the players in the workers’ comp arena. I make sure the Managed Care Organization gets all the medical records and doesn’t authorize excessive treatments that increase claim costs. I advise the BWC when my clients’ payrolls change enough to increase or decrease their premiums. I work with my clients attorney when hearings are scheduled, which minimizes the attorney fees. I attend BWC audits to help the auditor get the fastest and best results.
So who needs workers’ compensation? You must have coverage if you have employees. You can also get a policy if you want coverage for yourself as the solopreneur or partner, or if you want to protect your company from claims filed by your 1099 workers or subcontractors. Although the premium rates are multiplied by your payroll, premiums are not a tax and are not within your accountant’s area of expertise.
The fastest way to describe what I do is “I Get the Workers’ Comp MonkeyOffYourBack®.”