What is ELP after 65?
- When a worker requires an unreduced economic loss payment (ELP) beyond age 65 due to ongoing financial responsibilities.
What WCB legislation and policy apply?
What questions might your Worker Advisor ask you about ELP after 65?
- Are you working? How much do you earn? Are the reduced earnings a result of the compensable injury?
- How would you describe your health condition?
- Did you plan to work past age 65? What was a realistic age when you planned to retire? Why did you choose this age?
- Are you a member of a trade or union?
- Do you hold any special permits or licenses (i.e., Class 1 license, TDG permit) which you have maintained?
- Is there a mandatory retirement age in your date-of-accident industry or a normal retirement age for workers in the same pre-accident occupation?
- Are you married or do you have a common-law spouse?
- How old is your spouse and do they work? What did your spouse have planned for retirement?
- Are you the sole provider for your family?
- Do you have any dependent adult or children (i.e., a child with special needs)?
- Do you have any hobbies that you planned to participate in once you retired?
- What did you plan to do with your time once you retired?
- Do you have any plans to travel outside the country?
- How much is in your savings?
- If you are receiving your Canadian Pension Plan (CPP) benefits, what year/age did you begin receiving this and what was your monthly amount at that time?
- Do you have a mortgage? How much is the monthly payment and when is it expected to be paid off?
- Do you have any financial responsibilities for a motorhome, cabin, land, or foreign land?
- Do you have debt incurred prior to the date of accident with a repayment plan that shows intent to work beyond age 65?
What evidence might you need?
- Letters from your date-of-accident employer or a more recent employer which confirm they have no set age for retirement and that you planned to continue working beyond age 65
- A list of your total monthly income, from all sources (i.e., CPP, Old Age Security, etc.)
- Documentation to support mortgage or living expenses (i.e., a recent statement from the bank or mortgage broker)
- Complete list of your monthly expenses (i.e., mortgage, gas, food, power, cable, internet, insurance, taxes, water/sewage, car payment etc.)
- A letter from a financial planner outlining your plan leading up to/into retirement
- A letter from doctor to support employment would continue beyond age 65 had the injury not occurred
- A letter from a doctor indicating that comorbidities would not impact the ability to work
What else should you know about ELP after 65?
- WCB policy indicates that it is common to consider that at age 65 is normal retirement age. At age 65 all injured workers must provide evidence to support that they intended to work beyond age 65.
- Your Worker Advisor will work with you to identify the evidence required to show your intention to work beyond age 65.
