WSIB benefits vary depending upon the date an injury or illness occurred. The following outlines benefits available to workers who were injured on or after January 1, 1998.

  • Wages on Day of Injury are paid by your employer. WSIB coverage begins the first working day after an injury or illness occurred.
  • Loss of Earning (LOE) Benefits are 85 per cent of your net earnings. These are paid directly to you by the WSIB and begin from the day after your injury until you are no longer impaired or you no longer suffer a wage loss (or your are deemed to no longer suffer a wage loss).
  • LOE Benefits may be received for up to two years after an accident or until you are 65, whichever comes first.
  • A Non Economic Loss (NEL) Award is meant to compensate an injured worker for more than lost wages. It compensates for pain and suffering. The Award’s amount is based on a medical examination by a doctor who is not employed by WSIB. Smaller NEL Awards are paid as lump sums while larger Awards are paid monthly unless the injured worker chooses to be paid in a lump sum.
  • Health Care that is necessary and appropriate as a result of the injury is paid for by WSIB. This could include physiotherapy, prescription drugs, crutches, etc. For serious injuries this could include a personal attendant, modifications to the home or other measures designed to improve quality of life.
  • Your employer must continue to make contributions to your regular employment benefit plans (health care, dental and pension, for example) for the first year that is lost due to an injury. After that year, these benefits can be continued if you decide to pay for them.
  • Retirement Benefits are available to an injured worker who was under 64 years of age at the time of injury and who has received LOE benefits for more than 12 consecutive months. These benefits may begin at age 65.