Workers

WorkplaceNL does not pay for union dues, health care insurance or other deductions you normally pay.

Wage-loss benefits are 85 per cent of your pre-injury net earnings less deductions.

Your net earnings are your gross pay less probable Employment Insurance, Canada Pension Plan and Income Tax deductions. There is a limit on the amount of gross earnings insured, known as the maximum compensable earnings.

WorkplaceNL usually calculates your wage-loss benefits based on your average earnings for the four pay periods immediately before your injury.

Then, if you are still on a claim at 13 weeks, WorkplaceNL will generally recalculate your average earnings based on what you earned for the 12 months before your injury. Employment insurance benefits may be included in those earnings.

Sample calculation: For someone making $20,800 per year, or $400.00 per week:

$400.00	Gross Weekly Income
-$85.67	Probable EI, Income Tax & CPP Deductions
$314.33	Net Income
x 85%	Income Replacement Rate
$267.18	WorkplaceNL Weekly Rate

WorkplaceNL considers employer-sponsored pension benefits as earnings and deducts these from your wage-loss benefits. We may also deduct other benefits paid to you by your employer while you are receiving wage-loss benefits.

WorkplaceNL may pay wage-loss benefits until a worker turns 65 years of age. A worker who is 63 or older at the time of injury, however, may receive these benefits for a maximum of two years. 

If you are participating in an early and safe return-to-work program, your employer must pay you for the work you perform and WorkplaceNL will pay the difference (up to your rate calculated by WorkplaceNL).

Sample:    

$380.00	WorkplaceNL Weekly Rate
-$181.80	Net Earnings from Employer (gross earnings less deductions)
$198.20	WorkplaceNL Revised Weekly Rate