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ePremium quick reference guide

Getting Started

If you have only one account setup with ePremium, the first screen you will see is the Report Premium - Step 1 of 4: Select a reporting period page.  Notice the Tools menu on your left where you can navigate to other ePremium features  -  Reporting history and Online submission history.

 Report premium – step 1 of 4: select a reporting period. To report a premium, click on a reporting period. Please start with the oldest period. Highlighted Tools menu options: report a premium, reporting history, online submission history.

If you have more than one account setup with ePremium, the first screen you will see when you launch ePremium is a list of all the accounts that you can select from. Click on the legal/ trade name for the account you wish to report a premium for.  

ePremium printscreen: Select an account. Displayed list of accounts to select from

You will be taken to the Report Premium - Step 1 of 4: Select a reporting period page.

How to Report a Premium

The Report Premium - Step 1 of 4: Select a reporting period page will list any reporting periods that have not been submitted yet.  Each reporting period is a link.  

  1. Click a reporting period. The Report Premium - Step 2 of 4: Enter insurable earnings page appears.
ePremium printscreen of step 1 o f 4: Select a reporting period. Highlighted reporting period. Note if there is more than one account, select “switch account” to view another account.
Note: If there is more than one account, select "Switch account" to view another account.

You will see the following details for this specific reporting period:

  • Reporting period
  • Optional insurance coverage amount (if applicable)
  • Premium reporting due date
  • Payment due date
  • Non compliance charge
  • Annual interest
  • Premium Status
  • Rate Group
  • Classification Unit (CU) Code
  • CU Description

Note: If you have more than one rate group / classification unit code, they will all be displayed on one page in table format.

ePremium printscreen: Report a premium  - step 2 of 4: Enter insurable earnings. Display of rate groups, classification unit code and insurable earnings field in table format.

  1. Enter the insurable earnings amount for that period in the Insurable Earnings field
  2. Click Calculate Premium. Your CU premium is calculated for you in the C: CU Premium (A x B / 100) column.

ePremium printscreen: Report a premium – step 3 of 4: Review summary. Display of premium calculations. Highlighted c:cu premium (a x b/100)

  1. If you are ready to submit this amount, click Submit. A dialog box appears prompting you to confirm whether you would like to proceed. 
  2. Choose an option:
    • Yes, please submit my premium to WSIB
    • No, I want to review my premium before submitting.
ePremium printscreen. Display of pop-up box: You are about to submit your premium to the WSIB. Do you wish to proceed? Yes, please submit my premium to WSIB. No, I want to review my premium before submitting. Depending on your computer setting, the pop-up box may not be visible. Try scrolling up – you should be able to see the pop-up box.
Tip: Depending on your computer settings, the pop-up box may not be visible. Try scrolling up - you should be able to see the pop-up box.

The Report premium - Step 4 of 4: Confirmation page appears. The detail of your premium submission including information such as the date and time a premium was submitted and by whom the premium was submitted appears.

  1. Select your financial institution from the drop down list near the bottom of the page. The website for the financial institution appears. You can make your payment online if you have an online banking account.

TIP: To pay WSIB through your online banking account, you will need to add WSIB as a payee with your financial institution.  WSIB is normally listed as Workplace Safety and Insurance Board of Ontario - Schedule 1 or WSIB Ontario Schedule 1.

ePremium printscreen: Report premium – step 4 of 4: Confirmation. Display of financial institution drop down list near the bottom of the page. After selecting your financial institution from the drop down list, click on ‘Go” to launch their website.
After selecting your financial institution from the drop down list, click on 'Go' to launch their website.

TIP:   To report for another period, select Report premium from the Tools menu, and repeat the same steps.

Viewing Your Report History

To view your reporting history:

1.     On the Tools menu, select Reporting History.

ePremium printscreen:  Display of reporting history page. Highlighted reporting history on tools menu.

Note: Only a history of premiums that were not submitted through this site (e.g. by mail, fax, telephone) and any changes that may have been made to premiums that were originally made through this site appears.

  • To print a record of this page, click Print.
  • To save a record of this page to an Excel spreadsheet, click Save as spreadsheet.
  • To view details of a specific submission, click View.

 

ePremium printscreen: Display of reporting history page. Highlighted save  as spreadsheet button, print button and view button.

If you select a specific submission, the details of the submission appears on the Reporting history: Details page.

  • To print a record of the submission, click Print.
  • To save a record of the submission to an Excel spreadsheet, click Save as spreadsheet.

If the payment for this submission is outstanding, you can select your financial institution to be directed to your bank’s website. If you have an online banking account, you can make a payment online.

ePremium printscreen: Reporting history details. Highlighted save as spreadsheet button, print button, select your financial institution to be directed to your banks website.

 

Viewing Your Online Submission History

To view your online submission history:

1.     On the Tools menu, select Online submission history..

Note: Only the premiums that were submitted through this site appear in the history.

ePremium printscreen: Display of online submission history.  Highlight online submission history on tools menu

  • To print a record of this page, click Print.
  • To save a record of this page to an Excel spreadsheet, click Save as spreadsheet.
  • To view details of a specific submission, click View.

 

ePremium printscreen: Display of online submission history. Highlighted save as spreadsheet button, print button, view button.

 

ePremium printscreen: Online submissions details. Highlighted save as spreadsheet button, print button, select your financial institution to pay your premium.

If you select a specific submission, the detail of the submission appears on the Online submissions: Details page.

  • To print a record of this submission, click Print.
  • To save a record of this submission to an Excel spreadsheet, click Save as spreadsheet.

If the payment for this submission is outstanding, select your financial institution. The website for the selected bank appears. If you have an online banking account, you can make a payment online.

 

Introduction

Welcome to the WSIB's ePremium application. The following are step-by-step instructions on how to:

Also see our Glossary.

Prepare your insurable earnings for premium calculation

If you work or carry on a business in construction, we recommend that you review the Administrative Practice Document for Insurable Earnings in Construction document (550.2kb, PDF) plus any other insurable earnings calculation tools on our  Mandatory coverage in the construction industry web page to prepare your insurable earnings for reporting. Then return to ePremium. 

  1. Determine the workers that you are reporting earnings for during the reporting period.
  2. Determine the gross earnings for each worker during the reporting period. This also includes optional insurance. Gross earnings includes room and board, vacation pay and amounts shown as deductions on T4 slips, benefit plans, etc.
  3. To determine your total gross earnings, deduct non-insurable gross earnings, such as supplementary maternity benefits, executive officers' earnings and excess earnings, from the total gross earnings. You do not have to report workers earnings above the annual maximum amount. For more details about insurable earnings, contact the Employer Service Centre.

Note: You can view the annual maximum insurable earnings amount on the  WSIB’s web site.


If only one classification unit (CU) is applicable:
For employers with accounts that have only one CU, all earnings are considered direct earnings. Learn more about reporting your premium.
 

If multiple CUs are applicable:
The work performed is considered either direct or common. Direct work is that described by the CU. Common work includes business support activities in two or more CUs, such as

  • human resources,
  • accounting, office staff,
  • sales and distribution, and
  • workers covered by optional insurance.

Employers must include a portion of the common earnings with each CU when calculating the premium. To determine which earnings to assign to each CU follow these steps:

  1. Determine the direct earnings for each CU, and add these amounts to determine your total direct earnings.
  2. Determine the total common earnings. Divide the direct earnings for each CU by the total direct earnings for all CUs. This results in the proportion of common earnings to use for each CU.
  3. Multiply the result for each CU by the total common earnings, which will give you the portion of common earnings to assign to each CU.
  4. Add the common earnings portion plus direct earnings for each CU.

Input the insurable earnings in the appropriate field for each CU.
 

Example: An employer manages four different business activities; therefore, the employer has four different CUs with a total direct earnings amount of $500,000. There are common earnings of $48,000. The common earnings must be pro-rated over the direct insurable earnings in each CU.


Step 1: Employer determines the amount of direct earnings and the percentage of total direct earnings from all workers for each CU.

CU code CU description Direct insurable earnings Percentage of total direct earnings
1921-000 Carpet, mat, rug $ 100,000 20%
1931-000 Canvas $ 250,000 50%
1993-000 Household products $ 60,000 12%
1999-000 Other textiles $ 90,000 18%
TOTAL   $ 500,000 100%


Step 2: Apply the percentage of total direct earnings to the common earnings to determine the proportion of common earnings to be assigned to each CU.

CU code CU description Percentage of Common Earnings Pro-rated Common Earnings per CU
1921-000 Carpet, mat, rug 20% of $ 48,000 $ 9,600
1931-000 Canvas 50% of $ 48,000 $ 24,000
1993-000 Household products 12% of $ 48,000 $ 5,760
1999-000 Other textiles 18% of $ 48,000 $ 8,640
TOTAL   100% $ 48,000

 

Step 3: Add the direct insurable earnings and the pro-rated common earnings for each CU.

CU code CU description Direct insurable earnings Pro-rated common earnings Insurable earnings per CU
1921-000 Carpet, mat, rug $ 100,000 $ 9,600 $ 109,600
1931-000 Canvas $ 250,000 $ 24,000 $ 274,000
1993-000 Household products $ 60,000 $ 5,760 $ 65,760
1999-000 Other textiles $ 90,000 $ 8,640 $ 98,640
TOTAL   $ 500,000 $ 48,000 $ 548,000

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Report premium

Note: If you are only authorized to report premium for one account, proceed to Step 1 of 4.

If you are authorized to report premium for more than one account, you must first select the account you want to report premium for from the Select an Account screen.

Step 1 of 4 - Select a reporting period

  1. Select the reporting period from the list displayed on the screen.

Step 2 of 4 - Enter insurable earnings

  1. Enter the insurable earnings amount(s) in column A Insurable earnings field for your rate group(s)/CU(s).
  2. Review the amount(s) entered.
  3. To correct the amount(s) entered, you may:
    • Re-enter the incorrect amount(s) in column A Insurable Earnings field(s), or
    • Click Clear All to delete the amount(s) in column A Insurable Earnings field(s).
    • Re-enter the correct amount(s).
  4. Click Calculate premium.

Note:

  • If a CU has no earnings for the selected reporting period, enter 0.00 in column A Insurable Earnings.
  • There is a minimum annual premium of $100.00 for each account that is open during any part of the year.
  • If you navigate to another screen or web site before clicking Submit, any data you entered will be deleted. Similarly, if the session expires before clicking the Submit button, any data you may have entered will not be saved.

Step 3 of 4 - Review summary

  1. Verify calculated premium and insurable earnings to ensure they are correct.
    • If incorrect, click on the Back button to correct the amount(s) entered.
  2. If correct, click on Submit.

A pop up window will caution you that you are about to submit your premium to the WSIB and will confirm that you wish to proceed.

  • Click No to review your premium and insurable earnings information again before submitting.
  • Click Yes to submit your premium to the WSIB.

Step 4 of 4 - Confirmation

  1. You have now submitted your premium. If a revision is required, please contact the WSIB.
  2. To proceed with payment, select your financial institution from the drop down list provided or click on Other Payment Options. For more information, please refer to Make your payment.
  3. You can print the Report Premium, Step 4 of 4: Confirmation page by clicking the Print icon at the top of the page.

Select another Period

To report premium for another period, click on the Report Premium link in the Tools section on the left side of your screen, and  repeat steps 1 to 4 above.

Select another account 

Note: This applies if you are authorized to report premium for more than one account 

If you are authorized to report premiums for more than one account, click the Switch Account link, which is displayed with your account information, to return to the Select an account page,

Reporting history

  1. Click Reporting history in the Tools section to view the details of your reporting history as recorded by the WSIB as of 6 a.m.
  2. Click View to see the details of your reporting history as currently recorded by the WSIB.

Note:  Any revisions or changes made to premiums that were originally submitted through ePremium will be displayed in the Reporting history section only.

Online submission history

  1. Click Online submission history in the Tools section to view the details for premiums originally submitted through ePremium only.
  2. Click View to review the details of your online submission(s).

Note:  Any revisions or changes made to premiums that were originally submitted through ePremium will be displayed in the Reporting History section only.

Make Your Payment

You can pay your premium a number of ways:

  • Online or Telephone Banking through your financial institution
  • ePayment (Visa or MasterCard credit, Visa Debit, Debit MasterCard or Interac Online) through our online payment partner, Paymentus
  • Cheque. Mail the bottom part of your Premium Remittance Form with your cheque to the address on the remittance form stub. You can use the pre-addressed envelope that comes with your form. Please write your account number on your cheque, allow extra time for processing if using this option.
  • You can also pay at a WSIB office.   We accept cheques, certified cheques and money orders, however cash is not accepted.

ePayment Method

ePayment is a fast, convenient and secure payment channel.

You can pay by:

  • Online or Telephone Banking through your financial institution
  • ePayment (Visa or MasterCard credit, Visa Debit, Debit MasterCard or Interac Online) through our online payment partner Paymentus

How do I sign up for online banking and pay the WSIB online?

Register for online banking with your financial institution and include the WSIB as a payee on your account. Each financial institution has a slightly different process to register for ePayment. If you have difficulty, please contact your financial institution. You will need your 7-digit WSIB account number to enroll.

How do I find the WSIB on the payee list?

Most bank web sites list us as the Workplace Safety and Insurance Board of Ontario - Schedule 1or WSIB Ontario Sched 1. Ensure that the title selected contains the word Schedule 1 and Ontario or Ont, as there may be similar organizations listed for other provinces.

To make it easier for you to use the ePayment option, we have provided links to participating financial institutions’ web sites.

To proceed to your financial institution’s web site:

  1. Select Online submission history in the Tools section.
  2. Click View next to the period you wish to pay.
  3. Select your financial institution from the drop down list provided or click on the Other Payment Options link at the bottom of the screen
  4. Make your payment.

Cheque payment method

  1. Make your cheque payable to the Workplace Safety & Insurance Board.
  2. Record your account number on your cheque.
  3. Detach the stub from the Premium Remittance or ePremium Reporting Payment Only Form.
  4. Refer to Step 4 of 4 of your ePremium submission to complete all required fields on your Premium Remittance or ePremium Payment Only Form stub.
  5. Mail your cheque and Premium Remittance or ePremium Payment Only Form stub to WSIB, PO Box 4115, Station A, Toronto ON M5W 2V3.

Note: Premium forms include information that is unique to your account.  These forms are processed electronically.  You cannot alter these forms and must use the original form that has been issued to you. Do not include the top portion of the Premium Remittance or ePremium Payment Only form with your cheque.

Glossary

 

A | C | D| E | I | M | N | O | P | R | W

 

A

Account number: Unique number that identifies the administrative account established to calculate and report premiums to the WSIB.

Account Status: An indicator that identifies the status of the account. Valid indicators are Active or Inactive.

Annual Interest (%): The WSIB charges interest to outstanding balances on your account set at the Bank of Canada Rate plus an additional 6%. Interest rate is adjusted quarterly. See Monthly interest (%).

C

CU code: One or more business activities make up a classification unit. One or more CUs make up a rate group (RG). You must keep segregated earnings records for each CU. If you cannot segregate your earnings for any of the CUs assigned to your account, please contact your WSIB representative.

CU description:
 A description of the classification unit's business activity.

CU premium:
The amount entered in the Insurable earnings column multiplied by the number in the Rate per $100 column divided by 100.

Common earnings: If you have multiple CUs with common ancillary and/or optional insurance earnings, the prorated common earnings for each CU are added to the direct earnings to obtain the total insurable earnings for the CU.

Confirmation number: A unique number generated when you press the Submit button after calculating your premium. Confirmation numbers are displayed on the Online Submission History screen.

Contractor: Individuals or a company that performs work for another company or individual. If a contractor does not employ other worker, he/she may be considered either a worker or an independent operator (IO). If you work in or carry on a business in construction, you must declare your status as an IO or have the WSIB confirm your status. Keep a record of the letter of confirmation. When the WSIB determines that the contractor is a worker (or you work or have a construction business and do not meet the construction IO criteria) then you must include the labour portion of the contract as gross earnings.

D

Date submitted: The date you pressed the Submit button after calculating the premium for a period.

Direct earnings: Insurable earnings that can be assigned to a CU directly from the segregated records of the worker’s wages.  The segregated wage records must clearly show the earnings based on labour time spent in each business activity. For employers whose accounts have only one CU, all earnings are direct earnings.

E

Excess earnings: Earnings for a worker that are above the annual maximum insurable earnings ceiling set by the WSIB each year. Excess earnings are not considered insurable.   Once a worker reaches the earnings ceiling, you may stop reporting earnings for this worker. Employers in all industries, including construction, must use this annual maximum method for reporting earnings.

I

Insurable earnings: The WSIB considers insurable earnings to include the amounts that are usually reported on a worker’s earnings statement and any income reported in box 14 of the T4 slip. Refer to Employer Accounts if you require more information.

M

Monthly interest (%): The annual rate divided by twelve and rounded to 2 decimal places. The monthly rate is applied to outstanding balances on your account.

Municipal volunteer forces: A worker of a municipal volunteer force is defined as a person who has entered into or is employed under a contract of service or apprenticeship. This includes

  • an auxiliary member of a police force
  • a member of a volunteer ambulance brigade
  • a member of a municipal volunteer fire brigade whose membership has been approved by the chief of the fire department or by a person authorized to do so by the entity responsible for the brigade.

Insurable earnings are calculated on an annual basis for the entire force, not for individual volunteers.  Ten percent of the total selected amounts for all members of the force represent the force’s total annual insurable earnings.  See Worker add anchor link.

N

Non-compliance charge (%): The WSIB derives a premium on the missing report based on the employer's previous reporting history and charges 5% of the derived premium as a non-compliance charge. This amount is added to the employer's account. This charge is incurred once for the reporting period that was not filed.

O

Optional insurance: Individuals who are not automatically entitled to benefits under WSIA but who the WSIB deems upon application, to be workers to whom the insurance plan applies, are said to have optional insurance.  You must include optional insurance amounts in the gross insurable earnings calculation for a period.

P

Period: The from and to dates of a reporting period based on the reporting frequency.

Premium due: The total CU premium amount(s) due to be paid.

Premium due date: The date that the premium should be reported and payment received by the WSIB.
Premium status: An indicator that informs the user whether a period has been reported.  If the period has not been reported the indicator will display NOT FILED.  If the period has been reported, the indicator will display FILED. If all CU’s for the period are not filed, the indicator will display PARTIALLY FILED.

R

Rate group: A three-digit numeric identifier that represents one or more classification units.

Rate per $100: Each year the WSIB sets one premium rate for each rate group known as the standard rate. Employer operations classified in the CUs for a rate group are, in most cases, subject to the same standard rate. This rate may be modified under the WSIB's safety incentive programs (e.g., MAP for small businesses, effective January 1, 1998) according to the employer's claims experience and accident cost history.  The rate is charged per $100 of insurable earnings.

Reporting Frequency: A three tier reporting structure, annual, quarterly, or monthly, based on total insurable earnings:

  • Less than $20,000 - Annual (1 reporting period)
  • $20,000 to $299,999 - Quarterly (4 reporting periods)
  • $300,000 and greater - Monthly (12 reporting periods)

A new employer's reporting frequency is based on the estimated total insurable earnings amount provided at the time of registration.

W

Worker: A person who has entered into or is employed under a contract of service, or apprenticeship, written or oral, express or implied, and includes:

  • a learner or student,
  • a member of a municipal volunteer fire brigade or a municipal volunteer ambulance brigade,
  • a person deemed to be a worker of an employer by direction or order of the WSIB,
  • a person summoned to assist in controlling or extinguishing a fire by an authority empowered to do so,
  • a person who assists in any search and rescue operation at the request of and under the direction of a member of the Ontario Provincial Police Force,
  • a person who assists in connection with an emergency that has been declared to exist by the head of council of a municipality or the Premier of Ontario, or
  • an auxiliary member of a police force.

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