Most businesses in Ontario that employ workers (including family member or sub-contractors) must register with WSIB within 10 days after hiring their first full or part-time workers. WSIB stands for Workplace Safety & Insurance Board, which is the government agency that provides no-fault compensation financed by employers for Ontario workers suffered from work-related injuries or disease covered under the Workplace Safety & Insurance Act, 1997 (WSIA).
Q: Which industries are compulsory covered under WSIA?
e) Restaurants; &
Other low-risk industries may want to apply for private insurance or WSIB coverage in protection from any personal injury lawsuits from employees suffered from work-related injuries or illness at a relatively low cost.
Q: What are the Benefits of WSIB Coverage?
- Loss of earnings benefit (LOE). Income replacement of up to 85% of net income that a worker earned before the injury, starting the day after the injury.
- Health care and medical costs (doctor's visits, surgery, physiotherapy etc)
- Prescription drug costs
- Special clothing or footwear costs
- Transportation costs to and from health care appointments
- Loss of retirement income benefit. Workers injured on the job who receive loss of earnings benefit may receive a retirement income benefit once they reach age 65. The 5% contribution of every subsequent payment applies to injuries that occur on or after January 1, 1998 and puts it in the retirement fund, when an injured worker has received compensation for loss of earnings for 12 continuous months.
- Help getting the worker back to work safety including work reintegration.
- Non-economic loss benefit (NEL). This loss recognizes loss of physical, functional and psychological function due to this impairment.
- Future economic loss benefit (FEL). 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. It should be a 90% of the difference between what a worker earned before the injury and what the WSIB expects the worker will earn after the injury.
- Survivors' benefits. WSIB provides both lump sums and monthly benefits to surviving spouse and dependent children, when a family member dies as a result of a work-related injury or illness, which also includes burial or other related expenses.
Q: Who is eligible for WSIB insurance benefits?
- Anyone has a worker-employer relationship with an employer or self-employed entrepreneur covered by the WSIB,
- Anyone with an injury/ illness directly related to your work,
- By promptly filing a claim with the WSIB and providing consent to the release of functional abilities information to your employer and WSIB by the health care practitioner,
- By providing all relevant information requested by the WSIB to help determining your benefits,
- By cooperating in health care and treatment,
- By cooperating in early and safe return to work, and
- By reporting to the WSIB any significant change in the status of your claim and eligibility for WSIB insurance benefits.
Disclaimer: This information is not intended to be construed as a legal advice, but strictly for information only in this entire website. Please contact Trustworthy Legal Service for your independent legal advice in your particular situation. The first consultation is also required prior to my retainer of your case.
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