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Permanent Disability Awards and Escalation Benefits

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					                                                   PERMANENT DISABILITY AWARDS AND ESCALATION BENEFITS – SUMMARY - 2009

          Components of Permanent Disability                                                             Maximum monthly
                                                              Lump Sum Payments                                                              Minimum monthly payments                   Additional Info at:
          Benefits                                                                                       payments
                                                                                                  1
AB        Non-Economic - Non-Economic Loss                    Accidents after Dec. 31, 1994              $3,986.88 for accidents on          $1,321.39                                  Permanent disability
          Payments (NELPs) to recognize permanent             Max. $81,606.00                            or after April 1, 2003                                                         compensation and
          clinical impairment.                                Min. $1,632.12                                                                                                            pensions
                                                                                                         $4,040.88 for accidents
          Economic - Economic Loss Payments                                                              before April 1, 2003                                                           Permanent Disability
          (ELPs) to recognize disability or the impact                                                                                                                                  Policy
          a work-related injury/illness may have on a
          worker's capacity to earn wages.

BC        Economic:                                                                                      $5,137 2                            PTD: $1,538.66 (s. 22(2))                  Rehabilitation
                                                                                                                                                                                        Services and Claims
          •    Permanent Total Disability (PTD):                                                                                             PPD: Weekly minimum payments               Manual
               Board must pay 90% of average net                                                                                             are equal to the percentage of the
               earnings. (s. 22)                                                                                                             partial disability multiplied by
                                                                                                                                             either $355.03 per week, or 100%
          •    Permanent Partial Disability (PPD):                                                                                           of average earnings, if less than
               Board must estimate loss of earning                                                                                           $355.03. (s. 23(4) and 29(2))
               capacity, and pay 90% of the
               estimated lost net earnings. (s. 23)

MB 3      Non Economic - Award for degree of                  Impairment Award                           Wage Loss Benefits                  Wage Loss Benefits                         Benefits Policies
          impairment. E.g. Permanent Partial                  $1,140 for each full percentage            $4,278.62
                                                                                                                   4
                                                                                                                                             $1,439.29
                                                                                                                                                       5
          Impairment Award (PPI)                                                                                                                                                        Permanent Partial
                                                              less than 30% and $34,200 plus                                                                                            Impairment Award
          Economic - Loss of Earning Capacity                 $1,370 for each full percentage
                                                              over 30%.                                                                                                                 Manitoba Regulation
                                                                                                                                                                                        188/2008, Adjustment
                                                                                                                                                                                        in Compensation
                                                                                                                                                                                        Regulation

NB3       Non-Economic – Permanent Physical                   PPI - Maximum $55,400 in 2009              2009:                               No minimum.                                Policy No. 21-210:
          Impairment Award (PPI)                              as a lump sum payment for 100%             • Single - $648.55/weekly                                                      Calculation of
                                                              Permanent Physical Impairment.                                                                                            Benefits
          Economic – Long-Term Disability (LTD)                                                          • Married - $685.41/weekly
          benefits                                            Minimum $500.                                                                                                             Policy No. 21-250:
                                                                                                                                                                                        Permanent Physical
                                                                                                                                                                                        Impairment
                                                                                                                                                                                        Policy No. 21-501:
                                                                                                                                                                                        Entitlement to Long-
                                                                                                                                                                                        term Disability
                                                                                                                                                                                        Benefits
                                                                                                                                                                                        A Guide for New
                                                                                                                                                                                        Brunswick Workers
                                                                                                                                                                                        (Workers' Guide)


                                                                  Source: Association of Workers' Compensation Boards of Canada – 2009
      **These tables have been designed for general information purposes only. The AWCBC makes no representations as to the completeness or accuracy of the information (which is not exhaustive) and
         individual workers' compensation boards/commissions should be contacted for specific or additional information and clarification. For links to legislation, see: here. For links to policy, see: here.
          Components of Permanent Disability                                                             Maximum monthly
                                                              Lump Sum Payments                                                              Minimum monthly payments                   Additional Info at:
          Benefits                                                                                       payments
NL3       Non-Economic – Permanent Functional                 Injuries 1984 and later                    Injuries 1984 and later.            Injuries 1984 and later                   Policy Manual
          Impairment (PFI)                                    Max. $50,379 lump sum for                  Maximum Extended                    Some minimum rules apply.                 • EN-01 – Permanent
          Economic – Extended Earnings Loss                   impairment.                                Earnings Loss $2,620.69                                                         Functional
          (EEL)                                               Min. $1,000 lump sum for                   based on 80% net                                                                Impairment – PFI
                                                                                                                   6
                                                              impairment.                                earnings                                                                        Rating Schedule
                                                                                                                                                                                        'Injured Workers'
                                                                                                                                                                                        Handbook' at
                                                                                                                                                                                        'Publications'

NT/       Economic – Permanent Partial Disability             Choice where total PPD is less             $4,626.90 7                         No minimum.                                Policy 06.03 -
NU        (PPD) or Permanent Total Disability (PTD)           than 10%.                                                                                                                 Calculation of
                                                                                                                                                                                        Permanent
                                                                                                                                                                                        Compensation

NS        Non-Economic – Permanent Impairment                 Permanent Impairment Benefit               No set maximum. See                 No minimum.                                Long-Term Benefits
          Benefit (for permanent loss of physical             (PIB) paid as a lump sum if                additional information for
          ability)                                            Permanent Medical Impairment               calculation of PIB and                                                         Section 3.3 and 3.4 of
                                                              (PMI) rating is 30% or less.               EERB.                                                                          Nova Scotia's Policy
          Economic – Extended Earnings                                                                                                                                                  Manual
          Replacement Benefit (EERB) for loss of
          earnings if the workers' financial loss is
          greater than their PIB

ON3       Non-Economic – Non-Economic Loss                    The non-economic loss award is             No set maximum, calculated          No set minimum, calculated using           WSIB Benefits
          Awards (NEL)                                        calculated by multiplying the              using an actuarial table,           an actuarial table, based on
                                                              degree of impairment by the                based on worker’s                   worker’s age/gender at time of             Calculating NEL
          Economic – Future Economic Loss (FEL)               adjusted base amount. The                  age/gender at time of               maximum medical recovery, and              Benefits Policy
          and                                                 adjusted base amount is                    maximum medical recovery            level of impairment.
           (a) Permanent Total Disability; or                 $56,502.64, plus $1,256.07 for             and level of impairment
                                                              each year under 45, up to a max.
           (b) Permanent Partial Disability                   of $81,614.43, and minus
                                                              $1,256.07 for each year over 45,
                                                              with a min. of $31,390.85.

PE        Non-Economic – Impairment award for                 Accidents after Dec. 31, 1992              $1,687.50 for accidents prior       No absolute minimum monthly                Impairment Policy
          measurable loss of body function                    Max. earnings ceiling in effect on         to January 1, 1992.                 payment.                                   (POL 04-57)
          Economic – Extended Wage Loss Benefits              date of accident for 100%                                                                                                 Wage Loss Benefits
                                                              impairment. Min. $500.                                                                                                    Policy (POL 04-55)

QC3       Non-Economic - Lump sum indemnity                   Max. $94,569 at age 18 or less             NIL                                 Lump sum amount only.                      www.csst.qc.ca
          amount for bodily injury                            and $46,500 at age 65 for a
                                                              permanent 100% disability.
          Economic -No
                                                              Min. $945 paid as lump sum.

                                                                  Source: Association of Workers' Compensation Boards of Canada – 2009
      **These tables have been designed for general information purposes only. The AWCBC makes no representations as to the completeness or accuracy of the information (which is not exhaustive) and
         individual workers' compensation boards/commissions should be contacted for specific or additional information and clarification. For links to legislation, see: here. For links to policy, see: here.
          Components of Permanent Disability                                                             Maximum monthly
                                                              Lump Sum Payments                                                              Minimum monthly payments                   Additional Info at:
          Benefits                                                                                       payments
SK        Non-Economic – Permanent Functional                 Effective January 1, 2003                  On or after September 1,            Min. $ 1,639.72 as earnings loss           Benefits
          Impairment (PFI) and Independence                   For impairment:                            1985: Max. $3,159.35 per            to age 65.
          Allowance                                                                                      month.                                                                         POL 05/2007
                                                              •    Maximum $45,200                                                           If receiving compensation for 2
          Economic – lost earnings capacity                   •    Minimum $2,200                        If receiving compensation for       years or more, 10% of awards are           POL 10/2007

                                                              For disfigurement:                         2 years or more, 10% of             set aside for an annuity payable at        PRO 60/2008 – Table
                                                                                                         awards are set aside for an         age 65.                                    of Net Compensation
                                                              •   Maximum $15,000
                                                                                                         annuity payable at age 65.                                                     Payable (married + 2
                                                              •   Minimum $500
                                                                                                                                                                                        dependents)
                                                              No payment shall be made when
                                                              disfigurement is rated at less than                                                                                       PRO 55/2008
                                                              0.25% of the maximum payment

YT3       Non-Economic – Permanent Impairment                 Accidents after Dec. 31, 1992              Accidents after Dec. 31,            For Disabilities occurring after           YWCHSB:
                                                              Lump sum awards for                        1992                                December 31, 1992                          Permanent
          Economic – Earnings Loss Benefit                                                                                                                                              Impairment (EN-12)
                                                              permanent impairment:                      Earnings Loss Benefits:             Dual Award System - for
                                                              % permanent impairment x                   The maximum monthly                 earnings loss benefits only:               YWCHSB: Minimum
                                                              $80,000 x [average wage 8 in year          earnings loss benefit for           25% of the maximum wage rate               Compensation (EL-
                                                              of impairment/average wage in              2008 is $4,631.25                   for the year of the injury.                02)
                                                              1993] plus or minus 2% for each            Maximum $74,100 * 75% =
                                                              year worker over/under age 45 up           $55,575.00 = $4,631.25
                                                              to max. of 40%.


 All awards for 100% PTD except where stated otherwise.


 1
        Dual Award System for accidents after Dec. 31, 1994; lump sum for impairment & wage loss to age 65, at which time the wage loss amount is adjusted by a formula similar to a retirement pension;
        the adjusted wage loss amount is then paid for the remainder of the worker's lifetime.
 2
        This figure is derived from the maximum wage rate (2009= $68,500); divided by 12; and then 90% of that figure.
 3
        Dual award system - lump sum for impairment and earnings loss to age 65. In Manitoba, older workers may receive wage loss benefits for up to 48 months.
 4
        Effective January 1, 2006, there is no limit on insurable earnings. This figure is based on a worker earning $83,000. The worker has a dependent spouse and two children. Other earning levels and
        dependency statuses will result in a different benefit figure.
 5
        Effective January 1, 2006, workers earning less than or equal to the minimum annual earnings would receive wage loss benefits based on 100% of net average earnings. In 2009, the minimum
        annual earnings level is $18,370. This figure is based on this earnings level. This worker also has a dependent spouse and two children. Earning levels below this amount and other dependency
        statuses would result in a different benefit figure.
 6
        For a worker with a dependent spouse.
 7
        For a worker who is a northern resident.
 8
        “Average wage” means the sum of the monthly average Industrial Aggregate figures for Yukon between the months of July to June.




                                                                  Source: Association of Workers' Compensation Boards of Canada – 2009
      **These tables have been designed for general information purposes only. The AWCBC makes no representations as to the completeness or accuracy of the information (which is not exhaustive) and
         individual workers' compensation boards/commissions should be contacted for specific or additional information and clarification. For links to legislation, see: here. For links to policy, see: here.

				
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