What is a partial loss-of-earnings benefit?
When you return to work in a modified or lower-paying role because of a workplace injury, the board pays a partial loss-of-earnings benefit to make up part of the difference. In Ontario, it is 85% of the gap between your pre-injury net average earnings and what you now earn or are deemed able to earn.
What are deemed earnings?
If the board decides you are capable of earning more than you actually do (for example, you could take a suitable job you have not pursued), it may calculate your benefit using deemed earnings rather than your actual pay. This can reduce your benefit, and it is a common source of disputes and appeals.
How long do loss-of-earnings benefits last?
They continue while you have an ongoing earnings loss related to the injury. Ontario reviews LOE benefits periodically and may finalize (lock in) the benefit at certain milestones, such as 72 months after the injury, unless there is a significant change in circumstances.
Can I work and still receive benefits?
Yes. Partial loss-of-earnings benefits are specifically designed for workers who have returned to work at reduced earnings. The benefit fills part of the wage gap, encouraging a return to suitable work while still compensating for the lingering earnings loss.