Benefits

We recognize that there is always a risk of getting an injury on the job. In the event that you do encounter a workplace injury, you may be entitled to receive compensation and support. Every situation is decided by individual circumstances. Our goal is to support you in your recovery, giving you the opportunity to heal and return to work.

It is important to remember that you have up to one year to file a claim for benefits. Visit The claims process page to find out more.

Benefit types

Benefits exist to support you while you take the steps needed to recover from your workplace injury and return to work. There are many types of benefits, including and not limited to:

Loss of earnings

When a worker has a loss of earnings because of a work-related injury, they may be eligible for loss of earnings benefits.

To determine a worker's loss-of-earnings benefits, we first determine the worker's average earnings from employment before the work-related injury. To do this, we take into account all earnings from employment over such a period of time as we consider appropriate.

We take into account the average earnings over periods that are considered to provide the most accurate picture of the worker's earnings from employment and their earnings pattern immediately before the injury.

To find out more about loss-of-earnings benefits, read our Loss-of-Earnings Benefits policy.

Permanent impairment

In some cases, work related injuries may cause a loss in structure or function that lasts for the rest of a workers life. A worker may be permanently disfigured, lose parts of the body or permanently lose function of parts or systems of the body. These workers are entitled to compensation for the permanent impairment.

To find out more about compensation for a permanent impairment, read our Permanent Impairment policy.

Hearing loss

If you suffer from hearing loss and believe it is related to your employment, you may be eligible for workers’ compensation coverage.

To find out more about hearing loss benefits, see our Hearing loss claims page.

Annuities

As a worker, if you have received loss-of-earnings benefits for more than two years, we will put aside 10 per cent of your loss-of-earnings benefits as an annuity.

Benefit rates

The benefit rate you receive will depend on your individual situation.

Once we receive a Worker's Report of Injury/Illness, we gather information from you, your employer and your health care provider. We provide a decision on whether a claim is accepted within an average of 14 days. We may need more time for some claims.

Once a claim is accepted, we will let you know about the benefit rate and services you will receive.

Visit The claims process page to find out more.

Your responsibilities while receiving benefits

As a worker, you have some responsibilities while receiving benefits, including the following.

  • To attend all medical examinations or treatment sessions recommended by your health care provider.

  • To follow the recommendations of your health care providers.

  • Depending on the nature of your injury, to talk to your health care providers. This will provide clear guidelines about activities you can do at work and/or at home, as well as activities you should avoid to aid your recovery and return-to-work timeline.

  • To share this information with your employer and discuss ways you might change your duties or adjust your schedule to be able to continue working.

  • To accept offers of modified, alternate or transitional work while you are unable to perform your regular duties.

In addition, please contact us:

  • If there is a change in your medical condition, and

  • As soon as you return to work in any capacity or earn income.

Roles, rights and responsibilities of workplace parties

Workers and employers have certain roles, rights and responsibilities within the workplace.

Taking the time to understand these roles, rights and responsibilities can reduce the chances of a workplace injury, and therefore reduce the need for benefits.

To find out more, visit our Roles, rights and responsibilities of workplace parties page.

Further information

If you have specific questions about your claim, contact your case manager. If you do not have a case manager or do not know their number, call our Centralized Services Team
at 867-667-5645.