How is an impairment rating turned into money in Canada?
The board multiplies your permanent impairment percentage (rated on the AMA Guides) by a statutory base amount. In Ontario, a 20% impairment against a NEL base of about $90,247 yields roughly $18,000, then adjusted for age. Some provinces convert higher ratings into a lifetime monthly pension instead of a single lump sum.
Who assigns my impairment rating?
A physician or medical assessor appointed by the board assesses you once you reach maximum medical recovery, using the American Medical Association Guides to the Evaluation of Permanent Impairment. You can dispute a rating you believe is too low through the board's objection and appeal process.
What is maximum medical recovery?
Maximum medical recovery (also called maximum medical improvement) is the point at which your condition has stabilized and is not expected to improve further with treatment. Only then can a permanent impairment rating be assigned, because the impairment is now considered permanent.
Can I get both a lump sum and ongoing wage benefits?
Yes. A permanent impairment payout (NEL / pension) compensates for the non-economic loss of the impairment itself and is separate from loss-of-earnings benefits that replace income. Depending on your province and severity, you may receive the impairment award plus continuing wage-loss benefits.