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Many clinicians are unfamiliar
with how WorksafeNB creates, adjudicates and manages claims.
This information is provided for general use only. Provisions
of
the Act and Policies of WorksafeNB supercede and information
provided herein.
We hope that this section will
help to demystify how the Commission works.
Information is provided in a question & answer format.
This page provides general information
about compensation, who is covered under the legislation and
what is considered an accident under the legislation.
From the FAQ index table below, you can go to FAQs relating
to Adjudication and Benefit Services, Case Management and Clinical
Services. Click either the page heading or a specific
question. |
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| Q:
What is compensation? [Top] |
| Compensation
is a no fault insurance program solely funded by employers
of New Brunswick. It provides medical and financial assistance
to both employers and workers to limit as much as possible the
impact of work injuries. It compensates the injured worker
for lost income, pays health care requirements and vocational
rehabilitation as necessitated by the workplace injury. |
| Q:
Who is covered? [Top] |
In
general, workers injured on the job are covered. There are some
conditions that apply:
- Employers
must be an employer under the Workers' Compensation
Act
- Employers
with three or more employees, full or part-time are required
to register
- Employers
with less than 3 employees need not apply for coverage
- Workers in
the fishing industry with more than 25 employees must be
registered
- Persons assisting
a Peace Officer with an arrest or preserving the peace are
considered employees of the Crown
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| Q:
Who is not covered? [Top] |
- Persons who play sports as
their main source of income
- Outworkers (premises not under
the control of the employer)
- Employer's family members
under 16 years of age residing with the employer
- Persons employed as domestic
servants
- Armed forces Personnel
- Members of the RCMP
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| Q:
What is an 'accident'? [Top] |
- Chance event occasioned by
a physical or natural cause
- Disablement caused by an occupational
disease
- Any other disablement arising
"out of and in the course of employment"
- Includes a willful and intentional
act, provided that it is not the act of a worker and did
not result in the death or serious and permanent disability
of the worker
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| Q:
What
types of compensation is my patient entitled to? [Top] |
- Wage replacement
(Regular Loss of Earnings) if
the worker has been off work without pay for at least 3
days
- Medical aid
costs - clinical assessment, investigations, surgery and
costs related to obtaining these services
- Vocational
rehab costs, if a permanent work restriction is identified
through objective assessment(s). These costs relate
to vocational retraining and job search assistance.
- Long-term
disability (LTD), if a permanent work restriction resulting
in loss of earnings is identified through objective assessment(s).
- Permanent
Physical Impairment (PPI)
award
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| Q:
What is
a Permanent Physical Impairment (PPI) award? [Top] |
| This
is an award to an injured worker to recognize loss of opportunity
from a permanent loss of an anatomical body part or physical
body function arising out of the injury. The award is based
on the percentage that the impairment represents relative to
the whole body.
Loss of functional ability to
perform work and other tasks is addressed through wage replacement
(RLOE) and LTD. |
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