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.