Exam 3: Workers Compensation

You are required to estimate your company's WCB premiums. You must first identify which of the following?

Describe the current roles and responsibilities of a typical provincial/territorial workers' compensation board. Then extend the discussion by giving two examples of how provincial/territorial boards can differ from each other in terms of policy and/or practice.

The WCB premium for a given organization is always the same as other organizations in the same industry classification.

Helen worked in a fireworks factory for 25 years. After she took early retirement, her doctor told her that her long-standing health issues were due to lead poisoning from materials that are now banned. What factor will be given serious consideration in assessing her WCB claim?

Without a provision for multiple injuries employers might be temped to discriminate against workers with impairments?

How are safety associations different from workers' compensation boards?

Discuss the employer reporting requirements and documentation required for reporting all workplace injuries to the Workers' Compensation Board.

Duane is a long-haul truck driver who specializes in transporting oversize loads across Canada and the U.S.A. for his Markham, Ontario-based company. The nature of his work requires: long hours due to specialized loading, driving, and delivery procedures; driving at a slower than normal speed, often at night to avoid peak traffic; taking longer routes to avoid obstacles such as low height or low weight bridges, and crossing the Canada-USA border. Truckers in this occupation are often under tight deadlines to deliver on time, or their employer will face financial penalties. a) Identify three possible work-related injuries and illnesses/diseases that might result from working in this occupation and discuss the workers' compensation coverage that would apply in each case. b) Discuss how his employer would obtain the necessary information to complete the employer and incident analysis reports. c) Compare and contrast the Canadian compensation system with the compensation available to an American-based trucker doing similar work.

Workers in nursing homes regularly experience a number of physical and psychological health and safety issues. Incidents can involve twisting and/or lifting injuries, contact with viruses and bacteria, as well as stress-related illnesses from dealing with very sick and dying patients. At Restwell Manor there are 80 employees who work an average of 6 hours per day for 250 days a year. In the past year, the employer reported a total of 8 injuries for a total lost time of 50 days. -What is the common denominator in the equations that you would use to calculate the injury frequency and severity rates for Restwell Manor?

What defines an experience rating system?

Which of the following reflects how workers' compensation boards view the social benefit of compensation?

According to collective liability, employers in a class or other rate group are liable for which of the following costs?

Workers in nursing homes regularly experience a number of physical and psychological health and safety issues. Incidents can involve twisting and/or lifting injuries, contact with viruses and bacteria, as well as stress-related illnesses from dealing with very sick and dying patients. At Restwell Manor there are 80 employees who work an average of 6 hours per day for 250 days a year. In the past year, the employer reported a total of 8 injuries for a total lost time of 50 days. -What would workers' compensation be most likely to pay for if a Restwell Manor worker is physically attacked by a patient and suffers post-traumatic stress disorder?

In general, after how many years of lower than annual injury costs might a Canadian employer receive a rebate on their annual assessment?

Explain why a large restaurant chain (e.g. McDonald's, Mandarin, Boston Pizza) might pay a) the same WCB premium as other large restaurant chains. b) a lower premium than other large restaurant chains. c) a higher premium than other large restaurant chains.

Describe the relationship between workers' compensation boards and government departments as it relates to a mandate of injury prevention and the OH&S aspects of compensation.

In 2018 the province of Alberta amended its WCB act.

Workers' compensation is driven by two main social goals.

List the three groups of stress-related occupational disabilities identified in the text. Discuss the probability of obtaining compensation in each case, then contrast the current practice of workers' compensation boards with how the courts and human rights tribunals in Canada view stress-related occupational disabilities.

If you develop a lung disease because of working in a bakery, which is most likely to happen first?