How much does WSIB pay while I am off work?
In Ontario, the WSIB pays a Loss of Earnings (LOE) benefit of 85% of your net average earnings for a full loss of earnings, up to the annual insurable earnings ceiling (about $121,700 in 2024). Net average earnings are your gross pay after estimated income tax, CPP, and EI deductions.
Why is the benefit based on net, not gross, earnings?
Workers' compensation wage-loss benefits are not taxable. To keep you close to your take-home pay without overcompensating, boards calculate benefits on net average earnings (after tax and statutory deductions) rather than gross. Ontario pays 85% of net; several other provinces pay 90% of net.
Is there a maximum WSIB benefit?
Yes. Benefits are capped at the annual maximum insurable earnings set each year (approximately $121,700 in Ontario for 2024). If you earn more than the ceiling, your benefit is calculated only on the capped amount, so high earners replace a smaller share of their real income.
How long do temporary total disability benefits last?
They continue while you are fully unable to work due to the injury, until you return to work, recover, or your entitlement is reassessed. If your condition becomes permanent, the board may convert your benefit to a permanent loss-of-earnings or partial benefit and assess any permanent impairment award.