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Most part-time and full-time workers are covered by Workers Compensation plans from the moment they are hired. The system covers those workers
1. who are injured on the job.
2. who contract an industrial disease.
Premiums are based on the degree of occupational risk, as decided by the workers compensation plan and are paid by employers only.
Benefits are based on insurable earnings. In general, they provide the following benefits, subject to provincial maximums, for work-related illness or disabilities:
1. Any necessary health-care costs resulting from a work-related injury or industrial disease;
2. Both economic and non-economic loss benefits for workers who suffer permanent impairments. Economic loss is the loss of future earnings. Non-economic loss is the loss of one's quality of life.
3. Replacement of lost earnings for time missed from work while the worker recovers;
4. All necessary medical and vocational rehabilitation programs
5.If a workplace injury or disease results in death, then funeral expenses, a lump sum death benefit, and monthly income to the surviving spouse or eligible dependents is paid.
Workers' Compensation benefits begin on the first day of disability depending on the nature of the disability,payments continue continue for various period.
1. For Temporary Total disabilities:
Benefits in most provinces are 90% of the worker's net average weekly earnings.
2.For Temporary Partial disabilities:
Benefits are up to 90% of the worker's net average earnings before and after injury. This applies to both temporary partial disabilities and for permanent partial disabilities.
In case of permanently disabled, both future economic loss and non economic loss benefits may be payable.
The advantage of worker compensation plan policies are provided a 24 hour a day protection both on and off the job.
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