Benefits provided to workers
- Benefit for Loss of Earnings (LOE)
Workplace insurance pays workers 85% of their take-home pay if they cannot work because of work-related injury or illness, up to a maximum insured wage of $83,200 in 2013.
(Note: WSIB pays 90% of the worker’s take home pay if the injury occurred in the period from April 1985 - December 1997. WSIB pays 75% of the worker’s gross pay if the injury occurred before April 1985.
- Benefit for Non-Economic Loss (NEL)
Workers who suffer permanent impairment may receive a non-economic loss benefit to cover physical or psychological loss beyond financial loss.
- Benefit for Future Economic Loss (FEL)
Benefits to replace lost future income may be available to individuals permanently injured after January 1, 1990 and before January 1,1998. These are based on 90% of the difference between the worker’s take home pay before the injury and expected take home pay after the injury. These benefits are adjusted annually for inflation.
- Health care
Workplace insurance pays for a wide range of health care services for workers with work-related illness or injury.
Health care includes:
- Services provided at hospitals and health facilities
- Services that can only be provided by one of the following health care professionals: chiropractor, physician, physiotherapist, registered nurse (extended class), or dentist.
- Return to work help
The WSIB provides a team of professionals to help workers get back to work after illness or injury. This team includes an adjudicator and a nurse case manager (a nurse trained to deal with workplace injury). The team may also call on outside providers to help the worker get back to work.
If you cannot re-employ a worker after an injury or illness, WSIB will provide programs to help them re-enter the workforce in other jobs or businesses.
- Survivor benefits
The WSIB provides four types of benefits to survivors of workers who die as a result of workplace illness or injury
- Survivor payments (lump sum and monthly benefits)
- Funeral and transportation costs
- Bereavement ounselling
- Support for spouses wishing to rejoin the workforce
- Retirement benefits
If a worker is under 64 years of age, and has received benefits for 12 continuous months, the WSIB sets aside 5% of all loss-of-earning benefits to create a retirement fund (the worker may choose to set aside another 5%). The retirement benefit is paid when the worker reaches age 65.
- Special services
The WSIB provides special services for workers with serious injuries and occupational disease claims. You can find out more in the Workers section of this site.