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The apparent rise in mental disability claims is a significant issue for disabilityinsurers and workers’ compensation systems. I accept the following as a fundamental principle for workers’ compensation: If work is the cause of injury and disability, then the compensation and treatment should be funded by the employer.
The COLA escalator is automatic but wage loss benefits are offset by disability benefits a worker receives from CPP and QPP at a rate of 50%. This partial integration or offset is common in workers’ compensation and disabilityinsurance, although the degree of integration (and which benefit is reduced) varies.
Most employers get this wrong, so it can be easy to stand out. By the 2000s, this was really the standard practice for advertising a job - Monster bought jobs.com in 2002, LinkedIn was launched in 2003, and Indeed was launched in 2004. Employer-paid Life, Short-Term, and Long-Term Disabilityinsurance.
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