What is a scheduled loss award?
A scheduled loss award compensates for the permanent loss, or loss of use, of a specific body part such as a hand, arm, leg, or eye. Canadian boards convert the body-part loss into a whole-person impairment percentage using the AMA Guides, then multiply by the permanent impairment (NEL) base amount.
How is loss of use different from amputation?
Amputation is total loss of the part. Loss of use covers cases where you keep the limb but it no longer functions normally, for example a hand with severe nerve damage. The board rates the percentage loss of use, so a 50% loss of use yields roughly half the award of a total loss.
Does a scheduled award replace my wage benefits?
No. The scheduled or permanent impairment award compensates for the non-economic loss of the body part. It is separate from loss-of-earnings benefits that replace the income you can no longer earn. You may be entitled to both depending on your province and situation.
Who determines the impairment percentage?
A board medical assessor sets the impairment percentage using the American Medical Association Guides once your condition reaches maximum medical recovery. The illustrative percentages in this tool are typical values only; your actual rating governs the award.