Reference Guide to the WCB by beh18617

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                 Reference Guide
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What can I do if I don’t agree with decisions

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ensation coverage? What is SAFE Work and
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REFERENCE GUIDE TO THE WCB
Workers compensation coverage provides
advantages for both Manitoba employers
and workers. Employers receive protection
from lawsuits for work related injuries
and illnesses, while injured workers
receive a full range of benefits such as
wage replacement with no waiting period
in addition to healthcare treatments and
rehabilitation services.

The WCB understands that as a newly
registered employer you may not be
familiar with how we are organized or
where to call when you need assistance.
Since we aim to provide service that’s fast,
easy, caring, right and clear, we’ve created
this guide to help you become acquainted
with us.

The guide is organized by the types of
questions employers new to the WCB
frequently ask, such as how rates are
determined, what to do when a workplace
injury happens and responsibilities within
the workers compensation system.

         We hope you find this guide
         of benefit and look forward
         to hearing from you.
Table
        of contents
2   Coverage and Benefits
    Who does workers compensation cover
    and what benefits does it offer?

4   rate setting
    How are rates determined for
    my business?

6   ClassifiCation
    Business classification affects my rate.
    How is my business classified?

8   Billing
    How will my business be billed?

10 reporting an injury
   What do i do if a worker experiences a
   workplace injury or illness?

12 appealing a deCision
   What can i do if i don’t agree with decisions
   about an assessment or a claim?

14 employer responsiBilities
   What are my responsibilities now that i have
   workers compensation coverage?

16 injury prevention
   What is safe Work and why is injury
   prevention so important?

18 online resourCes
   What resources are available online
   for employers?

20 ContaCt information
                           Who does workers
                           compensation cover and
                           what benefits does it offer?
                        Coverage
                        Everyone, with the exception of sole proprietors, partners and
                        directors of corporations, who works for your business is considered
                        a worker and is entitled to workers compensation coverage. The
                        WCB does not consider the number of hours they work, the
                        structure of their pay, or the nature of their work in relation to your
                        primary business operation. It doesn’t matter, for example, if your
                        workers are full-time, part-time or casual, if they are on contract,
                        commission or salaried, or if they are office staff or in sales.

                        When you register with the WCB, you do not need to name all
                        your workers individually. You need only to provide us with your
                        overall payroll information.

                        The only time you’ll need to specify the names of someone for
                        the purpose of coverage is if you are opting to purchase coverage
                        for sole proprietors, partners or directors of a corporation. This
                        type of coverage is voluntary. Voluntary coverage provides
                        benefits for these individuals in the event of a workplace injury.

                        The WCB’s Assessment Services Department handles registrations
                        and will provide more information when you register.
Coverage and Benefits




                        benefiTs
                        The WCB offers a wide range of benefits to employers in addition
                        to protection from lawsuit should a workplace injury occur.
                        Staff in our Rehabilitation and Compensation Services and
                        SAFE Work Services departments offer expertise in creating and


      2                 Reference Guide to the WcB
improving disability and return to work programs, developing
and maintaining safe workplaces, and reducing the number of
workplace injuries.

The WCB also offers a wide range of benefits to help injured
workers return to health and meaningful work as soon as
safely possible. Some of the benefits we offer include income
replacement, healthcare treatments and payment of medication
costs, employment retraining, lump sum payments for
permanent impairments and payments to spouses, common-law
partners and children in the event of a workplace death.




                                                                     Coverage and Benefits




                                        Reference Guide to the WcB      3
                  How are rates determined
                  for my business?

               The WCB’s Assessment Services Department (ASD) determines
               rates. The WCB sets rates keeping these principles in mind:

                 n   promoting safety and reducing workplace injuries;
                 n   promoting effective disability and return to work
                     management;
                 n   fairness to participants in the compensation system, and
                 n   maintaining the financial soundness of the WCB.

               The process we use to determine rates for employers was
               developed in consultation with WCB stakeholders, including
               employers. The amount collected from each employer is based
               on industry risk and a rate model that considers a combination of
               collective liability and individual firm experience.

               As a newly registered employer, your new rate is set based on
               the industry average of the industry classification you were
               assigned when you registered. You will maintain this rate up to
               two years.

               ASD also handles employer needs and concerns related to
               registering with the WCB, assigning classifications to the correct
               industry, billing, collecting premiums, appeals related to
               assessment services, and audit services.
rate setting




               The WCB is committed to maintaining a system that is fair to
               all employers who require workers compensation coverage
               or who voluntarily choose WCB benefits for their workers and
               themselves.
   4           Reference Guide to the WcB
The process we use To deTermine raTes
for employers was developed in
consulTaTion wiTh wcB sTakeholders,
including employers.
                    Business classification
                    affects my rate. How is my
                    business classified?
                 The WCB classifies firms based on the industry in which
                 they conduct business rather than by the occupation of their
                 individual workers. There are over 200 industry classifications
                 for compulsory and voluntarily covered Manitoba employers.
                 When you register with the WCB, you are assigned to the
                 industry classification that best fits your business operations.

                 We know that over time, industries change and evolve. The
                 model we use for classification was designed to adapt to
                 the changing business environment and ensure competing
                 employers are similarly classified.

                 If you experience significant changes to your business
                 operations, contact the WCB Assessment Services Department at
                 954-4505 or toll free 1-800-362-3340 to make sure your account
                 remains assigned to the correct industry.
ClassifiCation




    6            Reference Guide to the WcB
The model we use for classificaTion
was designed To adapT To The
changing Business environmenT and
ensure compeTing employers are
similarly classified.
             How will my business be
             billed?

          At the beginning of the year, we will send you an Annual
          Workers’ Earnings Report for you to complete and return to us
          with information that includes your estimated workers earnings
          for the coming year. We use your estimate of workers earnings
          multiplied by your rate to determine your premium and will
          send you a statement based on that calculation. Your premium
          will be reconciled in the next year when you report your actual
          earnings for the previous year.

          Payment of the premium can often be made in three installments.
Billing




  8       Reference Guide to the WcB
paymenT of The premium can ofTen
Be made in Three insTallmenTs.
                         What do I do if a worker
                         experiences a workplace
                         injury or illness?
                      When you find out about a workplace injury or illness resulting
                      in an absence from work or requiring healthcare treatment, you
                      are legally required to report the injury or illness to the WCB
                      within five business days of learning of it.

                      There are a number of ways you may hear about a workplace
                      injury or illness. The worker may tell you directly or if a
                      healthcare provider treats the injury or illness, he or she will
                      notify the WCB and we’ll open a claim. The WCB will then assign
                      the claim to an adjudicator in the Short Term Claims department
                      and contact you.

                      reporTing an injury or illness
                      There are a number of ways for you to report an injury or illness
                      to the WCB:

                      Reporting Online
                      Employers who choose to report online use the Online Incident
                      Reporting System which is available on the WCB website at
                      www.wcb.mb.ca. It’s the most convenient of our reporting
                      methods since it’s available to you 24 hours a day, 7 days a week
                      and does not require any paperwork.
reporting an injury




                      One added benefit of going online is that you’ll receive e-mails
                      alerting you to injuries and illnesses in your workplace along
                      with Employer’s Incident Report forms we’ve started for you.
                      You can then complete the reports to ensure the accuracy of the
                      information provided and submit them online.


10                    Reference Guide to the WcB
To register for the Online Incident Reporting System, call
954-4803 or toll free 1-866-751-9245. Please be sure to visit the
WCB website first to find out what information you’ll need to
have on hand to register.

Reporting by Fax or Mail
If you hear of an injury or illness before the WCB, you will need
to fill out an Employer’s Incident Report. The form can be
found on the WCB website at www.wcb.mb.ca or by calling
954-4321 or toll free 1-800-362-3340 for a supply.

Details about faxing and mailing information to us are available
on the form.

Reporting by Phone
If you prefer to report a workplace injury or illness by phone,
call the Claim Information Centre at 954-4100 or toll free
1-800-362-3340. Hours of operation are from 8:00 a.m. to
7:00 p.m., Monday to Friday. A representative will open a claim
for you.




                                                                       reporting an injury




                                          Reference Guide to the WcB      11
                          What can I do if I don’t
                          agree with decisions about
                          an assessment or a claim?
                       If you don’t agree with an assessment or a claim decision, you
                       have the right to appeal it.

                       appealing assessmenT DeCisions
                       Assessment decisions include how your business is classified or
                       the rate that you are assigned.

                       There are three levels of appeal for assessment decisions. The
                       first level of appeal is with the Assessment Services Department.
                       Discuss the issue or decision with the person from the
                       department who made the decision to try to find a solution.

                       If you still do not agree with the decision, the second level of
                       appeal is the Assessment Committee. Begin your appeal by writing
                       a letter to the Assessment Committee at the following address:

                       Assessment Committee
                       210-363 Broadway
                       Winnipeg, MB R3C 3N9

                       In your letter, be sure to include your firm number, the issue
                       you want addressed and any information you think should be
appealing a deCision




                       considered when your appeal is reviewed. Once the committee
                       has had a chance to review your appeal, you will be informed in
                       writing of their decision.




12                     Reference Guide to the WcB
It normally takes about four to eight weeks for a decision to be
made on your appeal. If you don’t agree with the Assessment
Committee’s decision, you can go to the last level of appeal
which is the Appeal Commission.

appealing Claim DeCisions
There are also three levels of appeal for claim decisions. The first
level of appeal is your adjudicator or case manager. Discuss the
issue or decision you do not agree on with them first to try to
find a solution.

If you still disagree with the WCB’s decision, the second level of
appeal is the Review Office. Begin your appeal by writing to the
Review Office at the following address:

Review Office
333 Broadway
Winnipeg, MB R3C 2X4

Be sure to explain in your letter where you feel the error was
made and the grounds on which you are basing your appeal.

You may complete and mail or fax a Request for Review form
instead of writing a letter if you prefer. The form is available on
the WCB website at www.wcb.mb.ca and has mailing and faxing
instructions on it or call 954-4462 (toll free 1-800-362-3340) for
more information.

A Review Office decision normally takes between four to eight
weeks. If you disagree with the decision from the Review Office,
you may go to the Appeal Commission which is your third and
                                                                        appealing a deCision




final level of appeal.


   More information about filing an appeal with the Assessment
   Committee and the Review Office is available on the WCB
   website at www.wcb.mb.ca. Details about filing an appeal
   with the Appeal Commission are available on the Appeal
   Commission website at www.appeal.mb.ca.
                                           Reference Guide to the WcB      13
                               What are my responsibilities
                               now that I have workers
                               compensation coverage?
                            Both employers and injured workers have obligations under
                            The Workers Compensation Act which governs the operation of
                            the workers compensation system. To ensure the compensation
                            system works smoothly and efficiently, it’s important that
                            everyone fulfill their obligations.

                            As an employer, your primary legal obligations under the Act
                            are to:

                              n   report workplace injuries and illnesses within five business
                                  days of becoming aware of them;
                              n   allow workers to file an injury claim with the WCB and not
                                  take any action to discourage them from doing so;
                              n   submit accurate payroll information in a timely manner in
                                  order for the WCB to determine premiums;
                              n   pay premiums in a timely manner and not pass on the cost
                                  of coverage to workers;
                              n   make sure that the contractors or subcontractors your
                                  business works with comply with WCB requirements;
employer responsiBilities




                              n   re-employ workers you have employed for at least twelve
                                  continuous months before the date of their injury or
                                  illness – this obligation applies only to employers with 25
                                  or more full-time or regular part-time workers, and
                              n   advise the WCB when injured workers return to work
                                  following an absence due to a workplace injury.



14                          Reference Guide to the WcB
To ensure The compensaTion sysTem
works smooThly and efficienTly,
iT’s imporTanT ThaT everyone fulfill
Their oBligaTions.
                       What is SAFE Work and why
                       is injury prevention so
                       important?
                    The WCB’s vision, SAFE Work – A Way of Life, reflects the
                    growing importance of injury prevention and guides the work
                    we do to make workplaces safer and healthier. SAFE Work is
                    the name of a joint program of the WCB and the Government
                    of Manitoba’s Workplace Safety and Health Division that helps
                    prevent workplace injuries, illnesses and deaths. SAFE stands for
                    Spot the Hazard, Assess the Risk, Find a Safer Way, Everyday.

                    Why is injury prevention so important? Simply put, SAFE Work
                    is good for business. Successful businesses integrate safety and
                    health into their daily business practices and make the well being
                    of workers a high priority. Workers, of course, will benefit from
                    employment in a safer environment, but you’ll also reap the
                    financial rewards of reducing the number of injuries at work: a
                    lower WCB premium and fewer business interruptions resulting
                    from workplace injuries.

                    safe Work serviCes
                    SAFE Work Services is an important part of the WCB’s injury
                    and illness prevention strategy. The SAFE Work Services team
                    is here to help your business identify ways to improve your
                    safety and health and return to work programs, reduce the cost
                    of injuries, and find a way to reduce your WCB premiums – with
                    the ultimate goal of preventing workplace injuries.
injury prevention




16                  Reference Guide to the WcB
SAFE Work Services team members are experts in injury
prevention and return to work. They provide a variety of services
free of charge to WCB registered firms that include:

Training
 n   working with the WCB
 n   injury prevention basics
 n   return to work basics

Consulting
 n   injury and illness prevention program assessments
 n   return to work program assessments
 n   safety climate surveys
 n   recommendations for improvement
 n   business case development
 n   program implementation assistance

Data Analysis
 n   customized data analysis for your firm
 n   easy to read injury reports

To take advantage of these services or for more information
about the SAFE Work Services team, call 954-4501 or toll free
1-800-362-3340.                                                       injury prevention




                                         Reference Guide to the WcB     17
                      What resources are
                      available online for
                      employers?
                   The WCB has a number of online resources for employers on our
                   website located at www.wcb.mb.ca.

                   online serviCes
                   These services are all secure Internet applications available
                   24 hours a day, 7 days a week. They’re free of charge and allow
                   us to provide faster and better service to you. We encourage you
                   to take advantage of them.

                   Online Incident Reporting System
                   The Online Incident Reporting System is the fastest way to
                   report workplace injuries to the WCB. Our Employer’s Incident
                   Report form is completely electronic and easy to use. It’s also
                   “smart” – as you fill out your information on screen, the form
                   changes according to your answers to make it even simpler. If
                   the WCB hears about a workplace injury before you do, you can
                   also complete reports we start for you on the Online Incident
                   Reporting system.

                   Claims Online
                   Claims Online allows you to view cost details for your firm’s
                   claims such as wage loss payments, medical payments, claim
online resourCes




                   status and benefit calculations. If you become a registered user,
                   you can also use this tool to compile monthly claims cost reports
                   in the format of your choice.




18                 Reference Guide to the WcB
Online Clearance Request System
The Online Clearance Request System allows you to search
potential contractors and subcontractors and request authorized
clearances.

A clearance is a letter that tells you whether or not a business,
contractor or subcontractor has complied with the requirements
of the WCB. This is important because if someone you’ve hired
isn’t in good standing with the WCB, you might be liable for
paying their premium.

If you become a registered user, you can also use this tool to
compile and store lists of the subcontractors you use most often
and be automatically updated on their clearance status via e-mail.

Online Services Registration
To register for online services, call the WCB Technical Support
Team at 954-4803 in Winnipeg or toll free at 1-866-751-9245.
The team is available to assist you from Monday to Friday,
8:00 a.m. to 10:00 p.m. (except on statutory holidays). Please
be sure to visit the WCB website first to find out more about
these services and the information you’ll need to have on hand
to register.


   The WCB has a number of publications including brochures,
   fact sheets, newsletters and guides available on our website
   for employers and injured workers. These publications cover
   a wide range of topics such as available benefits, injury
   statistics and help with injury prevention that may be of
   interest to you.
                                                                       online resourCes




             www.wcb.mb.ca

                                          Reference Guide to the WcB     19
                      Contact Information
                      frequenTly CalleD numbers
                      General Information
                      Telephone: 954-4321          Toll free: 1-800-362-3340
                      Fax:       954-4999          Toll free: 1-877-872-3804

                      Assessment Services
                      Telephone: 954-4505          Toll free: 1-800-362-3340
                      Fax:       954-4900          Toll free: 1-866-245-0796

                      Claim Information Centre
                      Telephone: 954-4100  Toll free: 1-800-362-3340
                      Fax:       954-4999  Toll free: 1-877-872-3804

                      Online Services Registration
                      Telephone: 954-4803    Toll free: 1-866-751-9245

                      Review Office
                      Telephone: 954-4462          Toll free: 1-800-362-3340

                      SAFE Work Services
                      Telephone: 954-4501          Toll free: 1-800-362-3340

                      offiCe loCaTions anD mailing aDDresses
                      Claims and Benefit Administration, Review Office and
                      Healthcare Services
                      Workers Compensation Board
                      333 Broadway, Winnipeg, MB R3C 4W3
ContaCt information




                      Assessment Services Department and SAFE Work Services
                      Workers Compensation Board
                      Second Floor, 363 Broadway, Winnipeg, MB R3C 3N9

                      Northern Regional Office
                      #4-90 Thompson Drive, Thompson, MB R8N 1Y9


20                    Reference Guide to the WcB
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www.wcb.mb.ca

								
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