Difference between revisions of "Workers' Compensation"

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{{Dial-A-Law Blurb}}
{{REVIEWEDPLS | reviewer = [https://www.ascentemploymentlaw.ca/about-us Richard Johnson], Ascent Employment Law and [https://www.mooreedgarlyster.com/lawyers/sara-hanson Sara Hanson], Moore Edgar Lyster LLP|date= August 2021}} {{Dial-A-Law TOC|expanded = work}}
Getting hurt or ill on the job not only impacts your health, but can leave you without a source of income. That’s where British Columbia’s workers’ compensation program comes in.


{{Dial-A-Law TOC|expanded = employment}}
==Common questions==
Getting hurt or ill on the job not only impacts your health, but can leave you without a source of income. That’s where British Columbia’s workers’ compensation program comes in.
===What type of injuries and illnesses are covered by workers’ compensation?===
The program covers a wide range of occupational injuries and illnesses, including:


==Understand the legal framework==
* '''physical injuries''', such as a broken bone, burn, or concussion
* '''diseases''', such as cancer or a respiratory disease like asbestosis
* '''psychological injuries''' (the law uses the term '''mental disorders'''), such as diagnosed anxiety caused by harassment or some other traumatizing incident at work


===Workers’ compensation pays injured workers and promotes workplace safety===
For your claim to be successful, the injury or illness must have occured in the course of your employment.
'''Workers’ compensation''' is a BC government program under the ''[http://canlii.ca/t/84g2 Workers Compensation Act]''. It is run by [http://www.worksafebc.com/ Work Safe BC] and is paid for by employers. The program pays workers for some of their lost income and certain expenses if they suffer a workplace injury or disease — regardless of who was at fault. The program pays a worker’s family if the worker dies from the injury or disease.


The program also helps injured workers get back to work. As well, it promotes health and safety in the workplace, including preventing and responding to workplace bullying and harassment (including sexual harassment).
For more, see our [https://www.peopleslawschool.ca/making-a-claim-for-workers-compensation/ in-depth coverage].


===Who can get workers’ compensation===
===What do I do if I get injured at work?===
The workers’ compensation program covers almost all workers in British Columbia, both full- and part-time, including office workers, farm workers, performers, and domestic workers.  
First, report the injury to your employer right away. They’re responsible for getting you any necessary first aid and taking you to a medical facility (if needed).


Unregistered labour contractors may also be entitled to benefits. Independent contractors can register with the program for personal optional protection. If they don’t do this, they are not entitled to compensation for workplace injuries or diseases.  
Second, see your physician. Your doctor will recommend treatment, and may refer you to another health care practitioner. Ask them if there are modified work duties you can continue during your recovery. Make sure to let your health care providers know you were injured at work.


If you suffer a workplace injury or disease, you may be able to get a range of disability benefits, health care benefits, and vocational rehabilitation benefits. We explain the various types of benefits shortly.  
Third, start a claim for '''workers’ compensation'''. This is a BC government program that compensates workers who suffer a workplace injury or illness. We have in-depth coverage of [https://www.peopleslawschool.ca/making-a-claim-for-workers-compensation/ making a claim for workers’ compensation].


A workplace injury or disease can include a mental disorder. For example, a worker who is sexually harassed at work and suffers a mental disorder from it, may be able to get compensation (even if the harassment did not involve a physical injury). 
===If my workers’ compensation claim is accepted, what do I receive?===
WorkSafeBC — the agency that runs BC’s workers’ compensation program — offers a variety of benefits and services to those who are eligible. Depending on the nature of injury or illness, you could receive:


===Benefits if you suffer a temporary disability===
* health care benefits and services, to cover the cost of health care services and supplies considered reasonably necessary to treat your injury or illness
If you suffer a temporary disability, you can qualify for '''short-term disability benefits''' and '''wage loss benefits'''.
* wage-loss benefits, to compensate you if you lose pay as a result of your injury or illness
* vocational rehabilitation services, a collaborative process to help you safely transition back to the job you were doing
* permanent disability benefits, to compensate you if your disability is likely to impair your future earning capacity


These benefits pay you, at least partly, for income you lose because of a workplace injury or disease. If you are injured and unable to work, the benefits are usually 90% of your net wages at the time of your injury or disease. These benefits pay you for lost income, up to a maximum wage (adjusted each year). If you remain disabled after 10 weeks, Work Safe BC may recalculate your benefits based on your net income in the 12 months before your injury or disease.  
If you had a condition that predated the workplace injury, workers’ compensation only covers you for the problems caused specifically by the workplace injury.


Wage loss benefits continue until you are no longer temporarily disabled or your condition becomes stable.  
We explain each type of benefit in our guidance on [https://www.peopleslawschool.ca/making-a-claim-for-workers-compensation/ making a claim for workers’ compensation].


===Benefits if you are permanently disabled===  
===I’m self-employed. Am I eligible for workers’ compensation?===
If you are permanently disabled, totally or partly, you may be able to get '''permanent disability benefits''' and '''retirement benefits'''.  
In BC, there’s no requirement for self-employed workers to register for coverage under the workers’ compensation program. But if you’re self-employed, you may be able to purchase '''optional coverage'''. This would cover your lost salary and medical expenses if you’re injured on the job.


Work Safe BC won’t decide about any permanent disability until your condition becomes stable. “Stable” means your condition stays the same and the medical evidence indicates it will probably not get any better or worse over the next 12 months.
The WorkSafeBC website explains [https://www.worksafebc.com/en/insurance/need-coverage/optional-coverage how to apply for optional coverage].
 
The focus is on whether and how your condition impairs your future earning capacity. If Work Safe BC finds it does, they look at providing a permanent disability award.
 
====How the benefits are calculated====
Permanent disability benefits are paid in one of two ways: a “permanent functional impairment” award (called a PFI award) or a “loss of earnings” award (called an LOE award). Usually, Work Safe BC pays a PFI award, to compensate you based on the kind of injury you have. But if Work Safe BC finds that a PFI award does not properly compensate you — because your disability reduces your ability to continue working in your occupation to an exceptional extent — it may pay an LOE award.
 
====How the benefits are paid====
Normally, if long-term benefits are more than $200 a month, they are paid monthly. If benefits are less than $200 a month, you will probably get a lump-sum payout. Even if Work Safe BC plans to pay your benefits monthly, you can apply for a lump-sum payout of all or part of your award. 
 
===Health care and vocational rehabilitation benefits===
'''Health care benefits''' pay for doctors, hospitals, nursing care, home care, prescription drugs, and other health care professionals like physiotherapists, dentists, and chiropractors. They also cover other expenses, including medical supplies, appliances like crutches, hearing aids, dentures, and eyeglasses, as well as modifications to your home, vehicles, and workplace.
 
If Work Safe BC decides you cannot return to your pre-injury job because of your injury and your employer cannot offer a modified job, you may be entitled to '''vocational rehabilitation services'''. These benefits are for vocational retraining, workplace redesign or job modification, training on the job, and job search activity.
 
{| class="wikitable"
|align="left"|'''Tip'''
If you suffer a workplace injury or disease that eventually forces you to change your occupation, you should think about your future educational and vocational needs. You should ask Work Safe BC for rehabilitation guidance to help you plan your future. You have to take charge of your own rehabilitation. If you have a good idea of what you want, you explain it, and it is appropriate, the more likely you are to get it.
|}
 
===Benefits for families of workers===
Families of workers who are killed on the job or die from a workplace injury or disease, may qualify for benefits.
 
The possible benefits include:
*A monthly pension benefit for the surviving spouse, based on the worker's earnings. This benefit continues for the spouse's lifetime.
*A monthly benefit for a dependent child up to the age of 19. Benefits may continue to age 25 if the child regularly attends post-secondary school.
*Grief and vocational counselling for the surviving spouse, and grief counselling for any dependent children.
*Funeral benefits.
 
==How to apply for benefits==
 
===Step 1. Report the injury or illness immediately===
If you suffer a workplace injury or illness, report it immediately to your employer, your doctor and Work Safe BC. You can report the injury to Work Safe BC:
*By phone by calling Teleclaim at 1-888-967-5377.
*Online at [https://www.worksafebc.com/en/claims/report-workplace-injury-illness/how-workers-report-workplace-injury-illness worksafebc.com], by selecting “Report a workplace injury or disease” to input your information. 
*By completing the print '''application for compensation and report of injury''' form, and mailing or faxing it to Work Safe BC. You can get the print form from your employer, your union, or [https://www.worksafebc.com/en/resources/claims/forms/application-for-compensation-and-report-of-injury-or-occupational-disease-form-6?lang=en Work Safe BC].
 
Your employer and your doctor must report your injury or disease to Work Safe BC within three days of when you tell them about it.
 
===Step 2. Apply for benefits===
You must apply to Work Safe BC if you want benefits. Just reporting an injury to your employer and doctor is not enough. You can apply for benefits on the [https://www.worksafebc.com/en/claims/report-workplace-injury-illness/how-workers-report-workplace-injury-illness Work Safe BC website], or by completing the '''application for compensation and report of injury''' form, and mailing or faxing it to Work Safe BC.
 
You have '''one year''' from your accident or disease to apply for compensation. After that, you may lose your right to benefits unless special circumstances stopped you from applying on time.
 
====What happens when you apply====
A Work Safe BC officer will examine your claim and decide if you get benefits, and if so, the type and amount.
 
A decision on whether you get benefits can be complicated. You can discuss your case with your union, a lawyer, or the '''Workers’ Advisers Office'''. Workers’ advisers work for the Ministry of Labour to help workers with their claims. They are separate from Work Safe BC and there’s no charge for their services. To reach the Workers’ Advisers Office, visit [http://gov.bc.ca/workersadvisers gov.bc.ca/workersadvisers] or call 604-713-0360 in Vancouver and 1-800-663-4261 elsewhere in BC.
 
===Step 3. Ask for a review===
If Work Safe BC decides you are not eligible for benefits, or if you don’t understand its decision, ask the Work Safe BC officer handling your claim for an explanation. Ask for a decision letter if you didn’t already get one. If you’re still not satisfied, you can ask Work Safe BC for a '''review of the decision'''.
 
In a few scenarios, you can’t ask for a review but need to appeal directly to the Workers’ Compensation Appeal Tribunal. For example, if you are challenging a decision to reopen (or not reopen) a matter, or challenging a decision on a discriminatory action complaint (where an employer punished you for raising safety concerns at work). Appeals are explained shortly.
 
====Time limit to ask for review====
You must ask for a review within '''90 days''' of the date of Work Safe BC’s decision letter or, in some cases, within 90 days of the date when Work Safe BC told you its decision orally or stopped paying you.
 
===The review process===
When you ask for a review, Work Safe BC should automatically give you a copy of your claim file and you can use the information in it for your review. After you request a review, you will receive a letter setting a time to make written submissions. The review division does not normally hold oral hearings.
 
The review division considers the written submissions and Work Safe BC’s file and gives its decision, usually within 150 days. The [http://worksafebc.com/claims/review_and_appeals/default.asp Work Safe BC website] has more information on reviews. The phone numbers for the review division are 604-214-5411 in the Lower Mainland and 1-888-922-8804 elsewhere in BC.
 
{| class="wikitable"
|align="left"|'''Tip'''
While your review is being considered, if you feel that Work Safe BC has treated you unfairly, you can also complain to Work Safe BC’s Fair Practices Office and to the [http://www.ombudsman.bc.ca/ Ombudsperson of BC] (who can be reached at 1-800-567-3247).
|}
 
===Step 4. Appeal the review decision===
If you disagree with the decision on the review, you can usually '''appeal''' to the [http://www.wcat.bc.ca/ Workers’ Compensation Appeal Tribunal]. You cannot appeal review decisions on some issues, such as vocational rehabilitation benefits, certain types of disability awards, and whether benefits are paid as a lump sum.
 
If you decide to appeal, you must do so within '''30 days''' of the decision of the review division. For details on the process, see our information on [[Appealing a Workers' Compensation Decision (Script 286)|appealing a workers’ compensation decision (no. 286)]].
 
==Get help==


==Who can help==
===With a claim===
===With a claim===
The '''Work Safe BC''' website includes extensive information on workers’ compensation benefits, how to apply for benefits, and the process to review or appeal a decision.
:Telephone: 604-231-8888 in the Lower Mainland
:Toll-free: 1-888-967-5377
:Web: [appealing a workers’ compensation decision (no. 286) worksafebc.com]
The '''Workers’ Advisers Office''' is a government office that helps workers with claims for workers’ compensation benefits. They are separate from Work Safe BC and there’s no charge for their services.
:Telephone: 604-713-0360 in Vancouver
:Toll-free: 1-800-663-4261 
:Web: [http://gov.bc.ca/workersadvisers gov.bc.ca/workersadvisers]


:'''WorkSafeBC'''
:Deals with complaints about unsafe working conditions and injuries on the job.
:Call 1-888-967-5377
:[https://www.worksafebc.com/ Visit website]


:'''Workers’ Advisers Office'''
:A government office that helps workers with claims for workers’ compensation benefits. They are separate from WorkSafeBC and there’s no charge for their services.
:Call 1-800-663-4261
:[https://www2.gov.bc.ca/gov/content/employment-business/employment-standards-advice/personal-injury-and-workplace-safety Visit website]


[updated January 2018]
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'''The above was last reviewed for legal accuracy by [http://www.wcat.bc.ca/index.aspx] Tim Martiniuk, Workers’ Compensation Appeal Tribunal (WCAT).'''
 
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Latest revision as of 00:22, 8 November 2023

This information applies to British Columbia, Canada. Last reviewed for legal accuracy by Richard Johnson, Ascent Employment Law and Sara Hanson, Moore Edgar Lyster LLP in August 2021.
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Getting hurt or ill on the job not only impacts your health, but can leave you without a source of income. That’s where British Columbia’s workers’ compensation program comes in.

Common questions

What type of injuries and illnesses are covered by workers’ compensation?

The program covers a wide range of occupational injuries and illnesses, including:

  • physical injuries, such as a broken bone, burn, or concussion
  • diseases, such as cancer or a respiratory disease like asbestosis
  • psychological injuries (the law uses the term mental disorders), such as diagnosed anxiety caused by harassment or some other traumatizing incident at work

For your claim to be successful, the injury or illness must have occured in the course of your employment.

For more, see our in-depth coverage.

What do I do if I get injured at work?

First, report the injury to your employer right away. They’re responsible for getting you any necessary first aid and taking you to a medical facility (if needed).

Second, see your physician. Your doctor will recommend treatment, and may refer you to another health care practitioner. Ask them if there are modified work duties you can continue during your recovery. Make sure to let your health care providers know you were injured at work.

Third, start a claim for workers’ compensation. This is a BC government program that compensates workers who suffer a workplace injury or illness. We have in-depth coverage of making a claim for workers’ compensation.

If my workers’ compensation claim is accepted, what do I receive?

WorkSafeBC — the agency that runs BC’s workers’ compensation program — offers a variety of benefits and services to those who are eligible. Depending on the nature of injury or illness, you could receive:

  • health care benefits and services, to cover the cost of health care services and supplies considered reasonably necessary to treat your injury or illness
  • wage-loss benefits, to compensate you if you lose pay as a result of your injury or illness
  • vocational rehabilitation services, a collaborative process to help you safely transition back to the job you were doing
  • permanent disability benefits, to compensate you if your disability is likely to impair your future earning capacity

If you had a condition that predated the workplace injury, workers’ compensation only covers you for the problems caused specifically by the workplace injury.

We explain each type of benefit in our guidance on making a claim for workers’ compensation.

I’m self-employed. Am I eligible for workers’ compensation?

In BC, there’s no requirement for self-employed workers to register for coverage under the workers’ compensation program. But if you’re self-employed, you may be able to purchase optional coverage. This would cover your lost salary and medical expenses if you’re injured on the job.

The WorkSafeBC website explains how to apply for optional coverage.

Who can help

With a claim

WorkSafeBC
Deals with complaints about unsafe working conditions and injuries on the job.
Call 1-888-967-5377
Visit website
Workers’ Advisers Office
A government office that helps workers with claims for workers’ compensation benefits. They are separate from WorkSafeBC and there’s no charge for their services.
Call 1-800-663-4261
Visit website
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Work
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