What is cost relief?
- WCB uses the costs of your claims to calculate your future premiums. The higher your claim costs, the higher your premiums will be.
- Under certain circumstances, WCB will remove claim costs from your account, so they are not used in calculating your future premiums. This is known as cost relief.
What WCB policies apply?
- WCB Policy 03-02
- WCB Policy 05-02
What questions might your Employer Advisor ask you about cost relief?
- What are your concerns with this situation?
- What are the details around the accident?
- When did the accident occur (date)?
- Where did the accident occur (place)?
- What was the worker doing at the time of the accident?
- Has the worker suffered this type of injury before?
- Do they have any other medical conditions that you are aware of?
- Do they have any other injuries or pre-existing conditions (whether related or not)?
- Did the worker’s actions or inactions cause the condition to get worse or take longer to heal?
- Was the worker cooperating with the employer, WCB, and their medical/treatment providers (remaining in contact, not missing appointments, etc.)?
- What are the current claim costs?
- What is your Maximum Per Claims Cost (MPCC)?
- If this is back injury claim, what is the worker’s weekly wage?
- What industry code(s) has WCB assigned to your account?
- Was the worker delayed from attending treatments for any reason?
- Was a third party responsible for the incident that your worker was injured from?
What evidence might you need?
- Signed written witness statements from anyone who may have witnessed the accident
- Video of the accident
