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Merit Adjusted Premium Plan (MAP)

Under the Merit Adjusted Premium Plan (MAP), safe workplaces can cut premiums up to 10 per cent.

If you pay WSIB premiums averaging from $1,000 to $25,000 per year over a three-year period, you are part of a special incentive plan. This plan is called the Merit Adjusted Premium Plan, MAP for short.

MAP is a prospective program, meaning that we adjust your premium rate for the coming year based on your previous experience. If your firm has a positive experience, you will receive a premium rate discount. On the other hand, a firm with a poor experience will see a rate increase.

How MAP works 

Each December, if you are in MAP, you will receive a letter from the WSIB. The letter will indicate your individual MAP adjusted premium rate based upon your claim history/experience. If you do not have any individual claimscosting over $500 during the three-year review period, you will receive a discount:
  • If you have one claim in excess of $500 or $5,000, or a Fatality during the three-year review period, your premium may increase
  • The maximum increase to the MAP Adjusted Premium Rate is 50%.
  • Under MAP, your premium rate reflects your workplace injury record over a three-year review period. In the fourth year, your premium rate is reviewed and in the fifth year your premium rate is adjusted up or down depending on your safety record.
Please note: You are not ‘in’ MAP until you have been in business for three complete years (from January 1st to December 31st). Partial years are not included in calculating your MAP discounted rate. For example: You started your business on April 1st, 2013. The 2013 year is not used, so your first three full years of operation would be 2014, 2015 and 2016. The first time the firm is eligible for a MAP discount would be for 2018.

If your accident record is poor, however, you may receive a premium increase in less than three years.

The table below shows how your MAP adjusted premium rate can increase or decrease depending on the size of your premiums and the number of claims. An increase of 10 per cent is added for each claim exceeding $5,000 in cost. An additional 25 per cent will be added for each fatality claim.

MAP Table of Adjustments – Claims Over $500

 

MAP Table of Adjustments – Effective January 1, 2000 – Claims Over $500

Avg. Premium

(3 yr. Review)

0 Claims

1 Claim

2 Claims

3 Claims

4 Claims

5 Claims

6 Claims

7 or More Claims

$1,000 - $1,499

-5%

0%

8%

20%

40%

50%

50%

50%

$1,500 - $1,999

-5%

0%

8%

19%

38%

50%

50%

50%

$2,000 - $2,999

-5%

0%

7%

17%

34%

50%

50%

50%

$3,000 - $4,999

-5%

0%

7%

15%

30%

50%

50%

50%

$5,000 - $9,999

-6%

0%

6%

13%

26%

44%

50%

50%

$10,000 - $14,999

-7%

0%

5%

11%

22%

38%

50%

50%

$15,000 - $19,999

-8%

0%

3%

8%

16%

30%

46%

50%

$20,000 - $25,000

-10%

-5%

0%

5%

11%

22%

35%

50%

Note : The claims counted are those costing more than $500, with an accident date within the three-year review period. Negative values are applied as decreases to the basic rate group premium rates; positive values are applied as increases to the basic rate group premium rates.

More information

For more details about MAP, download our MAP guide (PDF).

Safe work contributes to efficiency, profitability and lower premiums. Use this MAP cost tool (XLS) to calculate the potential costs of injuries and illness and the savings that come from workplace health and safety.

You can also call 1-800-663-6639 or 416-344-1016, or email experiencerating@wsib.on.ca.

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