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Workers' Compensation Insurance (WCI) provides you with medical benefits and, in some cases, weekly income payments, if you suffer injuries while performing your job duties. This means an activity that has to do with and originates in the work, business, trade, or profession of your employer and which is performed by you while you're engaged in the work your job requires you to do.

You're entitled to medical aid, hospital services, and medication required at the time of injury, and afterwards, to treat injury-related results. In some cases, you may get financial benefits to make up for a temporary loss of earnings and/or a permanent impairment from the injury.

WCI is not health insurance and it doesn't compensate you for damage to or loss of your personal property.

Injuries Covered

A covered injury is one that happens because of, and during the performance of your job duties. In this case, "injury" means physical damage or to your body. This includes diseases or infections which result from the damage or harm. "Injury" also includes occupational diseases.

Life's ordinary diseases are not covered under WCI.

When an injury is not covered

  • You were intoxicated.
  • You attempted to injure yourself or someone else on purpose.
  • You were engaged in horseplay.
  • Someone else injured you on purpose because of personal reasons.
  • You chose to participate in off-duty recreational, social, or athletic activity which wasn't part of your work-related duties.
  • The injury was caused by act of God unless your position exposes you to a greater risk than would apply to the general public.
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Reporting an Injury

If you're injured as described above or get an occupational disease, you should immediately inform your supervisor. Provide your supervisor with the following information:

  • Your name, current address, and current telephone number (if any)
  • The date, time, and place your injury occurred
  • A description of the circumstances and the nature of your injury
  • Names of any witnesses
  • If you've been treated already, the name of the doctor who treated you.

Your supervisor will work with your departmental human resources representative to complete an "Employer's First Report of Injury" form.

Failure to report your injury (or appearance of an occupational disease) within 30 days may cause your claim to be denied.

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Seeking Medical Treatment

You're entitled to reasonable and necessary health care that:

  • Treats injury-related results.
  • Promotes recovery
  • Helps you return to or keep your job.

If you require medical treatment, choose one doctor to coordinate your treatment