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Future economic loss benefit

Who gets a future economic loss (FEL) benefit?

Workers who are permanently impaired due to a work-related injury or illness on or after January 2, 1990 and before January 1, 1998 are eligible to receive this benefit (After January 1, 1998, the benefit available is called the loss of earnings (LOE) benefit and some different rules apply).  A worker may be eligible when their work-related injury results in permanent impairment that means they are unable to earn wages at the same rate as in the pre-injury job.

Why does this benefit exist?

The future economic loss (FEL) benefit is a financial benefit. It is for injured workers who are unable to earn as much after the injury/illness as before because of a work-related permanent impairment.

How much is the benefit?

The benefit is based on net average earnings (take-home pay) before and after the injury.  It is 90 per cent of the difference between what a worker earned before the injury and what the WSIB expects the worker will earn after the injury. The WSIB adjusts FEL benefit payments annually for inflation.

What is a material change and how does it affect a FEL benefit?

A material change is any change in a worker’s income, return to work status, or medical condition. You must report any material change in your circumstances to us within 10 days. If you are not sure, call your adjudicator to see if the change affects your entitlement to benefits or services.

  • If you do not report changes and we learn about them it will affect your benefits, including stopping your benefits and making you repay us and/or
  • If you do not report changes and we believe you have deliberately misinformed us or held back information it could result in legal charges and, if you are found guilty, you may go to jail or have to pay a penalty up to $25,000.

Will the benefit ever change?

The WSIB may review a FEL benefit for several reasons, including:

  • if you report a material change
  • when you have completed a labour market re-entry (LMR) plan, and
  • at 60 months (5 years) from the date we first determined your FEL benefit or
  • at any time prior to the normal final review at 60 months.

FEL reviews after the five-year point

Effective November 26, 2002, the WSIB may review the FEL benefit payment again, more than five years after the date we first determined the benefit, if:

  • you continue in a labour market re-entry (LMR) plan that is not complete when the 5-year point is reached
  • you suffer a significant deterioration in your work-related condition that results in a decision to increase your non economic loss (NEL) benefit, or
  • we learn that you did not tell us of a material change in your circumstances that occurred before the end of the 5 years.

You may also get a FEL supplement after 5 years if you are participating in one or more of these programs.

FEL supplements

If you now get a FEL benefit, you may also get a FEL supplement if you are cooperating in:

  • a WSIB-approved medical rehabilitation program,
  • an early and safe return-to-work program (ESRTW), or
  • a labour market re-entry (LMR) assessment/plan.

You must begin one of these programs within:

  • 24 months after we determine your FEL benefit or
  • 12 months after we determine that your condition has significantly deteriorated.

If there is no permanent impairment

A FEL benefit and supplement (if any) ends if you are assessed as not having a permanent impairment through the non economic loss (NEL) assessment process.  For more details on NEL see our fact sheet Non Economic Loss (0800).

Workplace Safety and Insurance Board

Ontario’s Workplace Safety and Insurance Board (WSIB) plays a key role in the province’s occupational health and safety system. Funded by employers, the WSIB is one of the top 10 disability insurers in North America. In addition to a strong prevention mandate, the WSIB provides insurance for injuries and illnesses incurred in workplaces covered under the Workplace Safety and Insurance Act and supports early and safe return to work for injured workers.

This information is available in several languages by calling our information hotline at 416-344-1000, toll-free 1-800-387-0750  or Telephone Service for the Deaf  (TTY): 1-800-387-0050

Pour obtenir un exemplaire en français, composez le 1-800-387-0750.

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