PDP+ is an incentive program designed to assist experience-rated employers (those not in Group Rating, Retrospective Rating or BWC's One Claim Program) having a .90, or greater, experience modifier establish a safer, more cost-effective workplace. For implementing BWC's 10-Step Business Plan, employers will receive premium discounts of up to 10 percent for each of the first two years of participation and up to 5 percent the third year, upon meeting program requirements. However, the premium discount cannot take the premium rate below a .90 experience modification.

In addition, PDP+ participants can earn bonuses of 10 percent for a 15 percent, or greater, claims severity reduction; 5 percent for a 15 percent, or greater, claims frequency reduction; and a 5-percent bonus for meeting both criteria.

As an added bonus to employers who have completed PDP+, we've implemented a two-year extension of the program. To re-enter the program, employers must have:

• Completed PDP or PDP+;
• Not participated in PDP or PDP+ for two years;
• A .90 or greater experience modifier;
• Met all other eligibility and reporting requirements of PDP+.

Initial assistance in implementing PDP+ is available by reviewing the requirements and suggested approaches in the Premium Discount Program + Self-Implementation Workbook. All employers participating in PDP+ receive this workbook.

Premium Discount Program + Self-Implementation Workbook

Employers who enroll in PDP+ must develop a Plan of Action for the implementation of this program and will report annually, using the self-assessment form. The workbook contains both the Plan of Action and PDP+ Self Assessment.
Plan of Action

Click here to apply for PDP+.

Benefits of participation

• Increased economic value for the organization;
• Reduced workers' compensation costs resulting from fewer claims and lower claims costs;
• Increased safety awareness;
• Enhanced communication and trust;
• Lasting, positive changes.

• Employers will implement BWC's 10-Step Business Plan.
• Employers will submit a Plan of Action and Self-Assessment to BWC to outline their plan for implementation.
• Employers will allow BWC access to their job sites to review the business.
• Employers who pay to use the services of a certified business or trade association sponsor will submit the Plan of Action to their sponsor instead of to BWC.
• Failure to submit the Plan of Action and Self-Assessment or denying access to the work site, will result in the loss of the discount retroactive to the beginning of the policy year.
• In order to re-enter the program for the extension period, you must have completed either the three-year or four-year program and have been out of the program for two or more years. You must meet the 15-percent frequency and 15-percent severity reduction goals in addition to the other mandatory eligibility requirements to qualify for second-year participation.

Eligibility guidelines

When filing the Application for the Premium Discount Program + (UA-5), your preliminary eligibility will automatically be determined based upon current account information before you can proceed.

To qualify to participate in the program, you must meet certain basic criteria:

• Be a private or public state-fund employer. Self-insuring employers or public employer state agencies are not eligible to participate;
• A private employer must have a .90, or greater, experience modifier for the policy year or anniversary date, in which the discount or claim severity/frequency bonus checks are given;
• A public employer taxing district must have a .90, or greater, experience modifier effective Jan. 1 of the policy year, in which the discount or claim severity/frequency bonus checks are given;
• The employer must be current on all premium payments at the beginning of the policy year or anniversary date of participation;
• The employer must have active coverage the first day of the policy year or anniversary date of participation;
• The employer must not have cumulative lapses in workers' compensation coverage of more than 59 days within the 18 months preceding the beginning of the policy year or anniversary date.

In addition:

• An employer cannot participate in retrospective rating, group rating or the One Claim Program within the same policy year;
• Employers may participate in the Drug-Free Workplace Program (DFWP) and PDP+ during the same policy year and stack the discount amounts for both programs. We will apply the discount for PDP+ first. Example: If you participated in PDP+ the first year (10 percent) and Level 2 of DFWP (20 percent), you will NOT receive a 30-percent discount. You will receive the 10-percent discount off your original premium amount. Then, you'll receive the 20-percent discount off the already reduced premium amount;
  Note: When participating in both programs, the discount for PDP+ may not bring the employer's premium below an amount that would result, if we calculated the employer's premium using an experience modification of no less than .90 for that policy year. However, once we apply the PDP+ discount, the DFWP discount can take the employer's experience modification below .90.
• Employers participating in PDP+ cannot exceed the specified maximum number of years of participation.

Application deadlines

• You must complete and submit the UA-5 to request participation in PDP+. First-time applicants, or employers reactivating their participation in PDP+ after a one-year absence, can submit the application at any time of the year.
• Private employers to be eligible for a July 1 effective date should submit applications within 35 days after we publish the employer's experience rate letter. If we do not receive the application within that time but do receive it by Dec. 31, policy year and discount begin Jan. 1. If we receive the application by the next June 30, the policy year and discount begin the next July 1. We notify private employer applicants of their acceptance into the program by Feb. 28 or Aug. 31 after we confirm eligibility;
• Public employer taxing districts may submit an application at any time. We will notify public employers of their acceptance into the program with rates effective Jan. 1 by Feb. 28 after we confirm eligibility.