Workers' compensation in Nova Scotia: 5 things you need to know

Businesses with three or more employees are subject to mandatory WCB coverage. For incorporated businesses, officers and owners count as employees. In a sole proprietorship, the owner and their spouse are not counted as employees.

Workers’ compensation premiums vary widely, based on your industry. WCB classifies businesses based on their primary business activities. Once you are classified, you will pay the premium stated per $100 of gross payroll. Over time, you may also get an ‘experience rating’, which is a discount for workplaces with below-average accident rates, or an additional premium for above-average accident rates. WCB publishes their rates annually, which can be found on their web site.

The majority of costs incurred to the WCB system go to compensate and rehabilitate injured workers. These costs are covered only by employers (who entirely fund the system through premiums) and are largely based on two things:

• How many people get injured
• How long they are off the job.

In addition to workplace health and safety training and resources, one of the most important benefits to the employer community is the fact that having WCB coverage provides you with protection from lawsuits from an injured worker.

While rates are set based on industry experience and other factors, there are several ways employers can ensure they avoid paying more than necessary:

• Offer practical, relevant safety training to all staff on an ongoing basis.
• Ensure that you are classified correctly.
• Actively manage any claims and cooperate with WCB.
• Implement and use a Return to Work program.

Yes! The Office of Employer Advisor Nova Scotia (OEA) assists employers in matters concerning workers' compensation claims through advice and representation on issues before WCBNS and in particular during the appeals process.