What is the difference between private insurance options and WSIB Benefits?

Some Employers will try to persuade Injured Workers not to claim Workers’ Compensation. An Employer will sometimes prefer that the Worker applies for the company’s private short-term or long-term insurance programs instead.

Payments from these insurance programs are usually taxable, short duration and as a rule, have limitations on drug payments. In comparison to WSIB, insurance programs are sometimes less expensive for the Employer to finance, and the Employer is not subject to the WSIB’s intervention.

By not applying for Workers’ compensation, Workers give up return-to-work opportunities and possible awards for permanent impairment.