Details On Wage Loss Benefits In British Columbia
If a worker gets injured on the job, while employed at a company or business in British Columbia, that worker can elect to receive the Worker’s Compensation Benefits (WCB). An employee that gets injured on the job has the right to choose compensation from either WCB or the Insurance Corporation British Columbia (ICBC).
Specifics on the compensation from WCB:
If a full-time employee has become injured on-the-job, then he or she can expect to receive 90% of the calculated earnings. If the employee’s earnings were variable before the injury-causing accident, then the calculated amount gets based on 3 months of earnings. The worker’s benefits start on the first report of a missed shift, due to the injury.
Workers that have failed to show-up at their workplace for 10 weeks, due to their injury, become eligible for long term wage loss compensation. Self-employed workers can purchase a Personal Optional Protection. Then, if a self-employed worker gets injured while working, he or she can request coverage with WCB. The amount of the purchased Optional Protection gets used to determine the earnings. That earnings figure then gets used to calculate the size of the benefit that the injured, self-employed worker should receive. Workers have the right to request direct deposit of their benefits from WCB.
For how long can any employee receive the benefits from WCB?
As long as the employee remains injured and unable to carry-out his or her assigned duties, those benefits will be available to that same employee. That guarantee holds true for 10 weeks. After the passage of 10 weeks, the injured employee must apply for the long-term wage loss compensation.
Accident Lawyer in Surrey know that the typical long-term insurance guarantees coverage for 2 years, at which time the injured worker must be tested for his or her ability to carry-out the job responsibilities that are linked to position that he or she held before the injury. What happens of a worker fails that test?
Employees that agree to undergo a retraining can increase their chances for obtaining coverage from WCB beyond that 2-year period. Otherwise, those same employees must seek an alternate form of employment. Naturally, that testing system would not apply to a self-employed worker. He or she would have the ability to restructure the work environment, so that no handicap or other impediment/disfigurement managed to disrupt performance of the necessary job duties.
For example, suppose a man with a law degree were to become a quadriplegic, confined to a wheelchair. He could consider setting-up a private office. Yet, he would need to arrange for that office to contain the sort of equipment that could be used by someone that had lost the ability to use his hands and feet.