You must also let them know when you:. You must tell the WCB in a timely manner when you go back to work. If you do not, the WCB will create and recover an overpayment if earnings loss payments continue after you go back to work. Your earnings loss benefits are based on your employment income.
While you are getting earnings loss benefits, you must tell your case manager if:. The WCB bases your earnings loss benefits on 90 per cent of what you were earning when you were injured up to the maximum insurable amount.
The WCB also reviews and adjusts earnings loss benefits annually to keep up with changes in the Consumer Price Index subject to the maximum insurable amount. Benefits are calculated from the first day you lose wages after the date of your injury. The WCB usually pays your earnings loss benefits directly to you. However, your employer might agree to continue to pay your wages and be reimbursed by the WCB. Most benefits, except earnings loss benefits, continue as long as your injury necessitates, regardless of your age.
Twelve months after your injury caused a loss of earnings, 50 per cent of any CPP or QPP disability payments you received for that same injury will be treated as earnings and will be deducted from future WCB compensation benefits. In the event of a workplace motor vehicle collision , the WCB is the first insurer. If you think your collision is related to your employment, you must first submit your report to the WCB.
If it is determined that the collision is not related to your employment, then an application can be pursued with SGI. Your representative will let you know how this might affect your compensation benefits. Moving out of the province can affect your benefits and your medical treatment or rehabilitation.
Before moving, contact your WCB representative for details on how it could affect your claim. A workplace injury can affect your retirement income. If you get earnings loss benefits for more than 24 months in a row, the WCB will put away extra money to help you build retirement income. In the 25th month, the WCB will set aside an amount equal to 10 per cent of the earnings loss benefits you have been paid up to that time.
The WCB will continue to put away an extra 10 per cent of your earnings loss benefits for as long as you stay on compensation. The WCB holds these funds and the funds earn interest. When you reach age 65, this money must be used to buy an annuity a sum of money paid out at regular intervals , which will give you retirement income.
Canada Pension Plan CPP provides disability benefits to people who have made enough contributions to the CPP and who are disabled and cannot work at any job on a regular basis.
Find out how CPPD benefits may affect your earnings loss benefits. Learn about the restrictions for earnings loss benefits if you are 63 or older. The WCB established the annuity program to help supplement retirement income for customers receiving long-term earnings loss benefits. Read how the annuity program works, who qualifies and at what age you must use the money to purchase an annuity. If your return to work is interrupted because of a layoff, strike, lockout, termination, state of emergency, or because of weather, the WCB will continue to be responsible for your health-care needs as a result of your work injury.
Find out what earnings loss benefits you may be entitled to under these circumstances. The WCB pays for medical treatment, hospital care, prescription drugs and medical supplies.
Find out who you can see for medical treatment and the forms you need to be reimbursed for medical expenses. Learn what happens if you need an attendant to accompany you to a medical appointment.
Find out what expenses the WCB may pay for, including travel and dental expenses, and learn about personal care allowances. Sometimes if you pay temporary expenses that are over and above what you would normally have paid while working, the WCB may repay you for those expenses, based on the nature and severity of your injury.
If a work injury leaves part of your body not functioning as it did before the injury, you may have a permanent functional impairment PFI and be eligible for a lump-sum payment. Even though compensation benefits are not taxable, they must be included as net income when you claim certain tax credits and payments.
Find out what a T income tax form is, who receives it and what to do with it. You must tell the WCB if you are planning to move outside Canada.
Moving can affect how much you get for your benefits and how you are paid. Learn what to expect if you are planning to move outside of the country. The WCB provides injured workers with information about financial assistance options when their WCB benefits are ending.
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Help at every step in your return-to-work journey If you're unable to return to your pre-accident job, we can help you prepare for a new position. Claims Report an injury For workers For employers For health care providers The claims process For workers For employers For health care providers Benefits during your claim Wage replacement Medical benefits Fatality and survivor benefits Expense reimbursement Review and appeals For workers For employers Access to Information Information for farm workers.
Need help? Alberta: Rest of Canada: Online inquiries. If your date of accident was: Prior to September 1, A maximum compensable earnings amount set by our Board of Directors was in place. This means if you earned more than the maximum, your compensation rate was based on the maximum amount. Please see the table below for past maximum limits that were in place.
There was no maximum compensable earnings amount in place during this time. On or after January 1, A maximum compensable earnings amount set by our Board of Directors is once again in place. This means if you earn more than the maximum, your compensation rate is based on the maximum amount. How your benefits are paid to you We pay your compensation benefits directly to you. Sign up for direct deposit Compensation benefit payments can be made to you by direct deposit, a service where payments are deposited directly into your designated bank account on the specific payment date.
We provide this service to you at no charge. Download it from the App store or Google Play. Or fax your completed direct deposit request form , along with a void cheque, to our secured fax number to ensure privacy of your personal information.
Resources Understanding your wage replacement benefits is important If you are hurt on the job and unable to work, we will replace your lost employment income with a wage replacement benefit while you receive the help you need to recover and resume employment. Determining compensation rates for permanent and non-permanent workers Find out how your compensation rate in calculated for permanent and non-permanent workers.
Determining compensation rates for subcontractors and owner operators without personal coverage Find out how your compensation rate is calculated for sub-contractors and owner operators without personal coverage. Determining compensation rates for personal coverage holders Find out how your compensation rate is calculated for personal coverage holders.
Claims Report an injury The claims process Benefits during your claim Review and appeals Information for farm workers. Treatment and Recovery Get treatment Health care services Achieve your best recovery Recovery information and guides Differences in medical opinions. Return to Work Return-to-work planning Training and skills development Employability profiles database. Insurance and Premiums Get coverage Types of coverage Clearance letters How premiums are set Lower your premiums Pay premiums Annual returns Premium review and appeal process.
Resources For workers For employers For health care and service providers For elected officials Translation and interpretation services. Sometimes if you pay temporary expenses that are over and above what you would normally have paid while working, the WCB may repay you for those expenses, based on the nature and severity of your injury. If a work injury leaves part of your body not functioning as it did before the injury, you may have a permanent functional impairment PFI and be eligible for a lump-sum payment.
Even though compensation benefits are not taxable, they must be included as net income when you claim certain tax credits and payments. Find out what a T income tax form is, who receives it and what to do with it. You must tell the WCB if you are planning to move outside Canada. Moving can affect how much you get for your benefits and how you are paid. Learn what to expect if you are planning to move outside of the country. The WCB provides injured workers with information about financial assistance options when their WCB benefits are ending.
Find out how the bridging program works. If the review shows a need, your benefits may be increased, decreased, held or ended. Read about other situations where benefits can be suspended. You can get support from the WCB. Find out what support may be available to you in these situations and what to expect from the WCB. We want you to be as up to date and informed as possible.
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