WSIB Loss of Earnings Calculator
Complete guide to understanding and estimating your workplace injury loss of earnings benefits
The WSIB Loss of Earnings Calculator helps injured workers understand how their compensation benefits are calculated when they miss time from work due to a work-related injury or illness. If you miss time from work because of a work-related injury or illness and your claim is allowed, you may be entitled to loss-of-earnings benefits in addition to health-care benefits.
WSIB Loss of Earnings Benefit Rates
How your loss-of-earnings benefit is calculated depends on the date of your injury. The Workplace Safety and Insurance Board uses different rates and calculation methods based on when your workplace injury occurred.
| Date of Injury |
Benefit Rate |
Based On |
| On or after January 1, 1998 |
85% |
Take-home pay up to an annual maximum |
| April 1, 1985 to December 31, 1997 |
90% |
Take-home pay up to an annual maximum |
| Before April 1, 1985 |
75% |
Pay before deductions up to an annual maximum |
Take-home pay is calculated after deductions for income tax, Canada Pension Plan contributions, and Employment Insurance premiums. The annual maximum insurable earnings limit is set each year and affects the maximum benefit amount you can receive.
When Your Loss of Earnings Benefit Starts
Your loss-of-earnings benefit normally starts the day after your injury or illness, when you begin to miss time from work. Your employer is responsible for paying your wages for your full shift for the day of your injury.
When Benefits End
Your loss-of-earnings benefit will continue until one of the following occurs:
- Your work-related injury or illness no longer affects your ability to return to your pre-injury work
- You are no longer losing pay
- The day you reach 65 years old if you were less than 63 years old the day of your injury
- Two years after the date of your injury if you were 63 years old or older the day of your injury
After you reach age 65 and after your loss-of-earnings benefits stop, you may still be eligible to receive loss-of-retirement-income benefits.
How You Receive Your Loss of Earnings Benefit
You will receive a loss-of-earnings benefit payment every two weeks. Each year, WSIB adjusts loss-of-earnings benefits to account for inflation, ensuring your benefit keeps pace with the cost of living.
The Six Year Review Process
If your loss-of-earnings is ongoing, WSIB will review your benefit every year until you have received it for six years, which is 72 months. After six years, WSIB will review your claim and in most cases, make it permanent.
After your benefit becomes permanent, you have the choice to have it paid to you as a lump sum if it is 10 percent or less of your full loss-of-earnings amount.
Exceptions to the Six Year Rule
After the sixth year, WSIB can review your benefit if:
- You are taking part in a return-to-work plan or health-care treatment that has not finished at the six year mark
- Your work-related condition gets significantly worse
- You did not report any significant changes to WSIB before the end of six years
Reporting Significant Changes
When WSIB reviews your benefit, they look at whether there are any significant changes to your return-to-work status, medical condition, or income. If you are not sure whether a change is significant, you should contact WSIB. You have to tell WSIB about any significant changes within 10 days of the change happening.
Examples of Significant Changes
- If you return to work
- If you start to receive other income or government benefits
- If there are important updates in your medical condition
Important: If you do not report significant changes, your benefits can be affected. WSIB can reduce, suspend, or discontinue your benefits. If WSIB believes you have misled them on purpose or held back information, it can result in legal charges. If you are found guilty, you may go to jail or have to pay a penalty up to $25,000.
Return to Work Support
WSIB is committed to helping you return to work that is safe and productive, within your capabilities and limits, and to the extent possible, pays you the same or close to what you were earning before your injury or illness.
If your employer is not able to provide you with safe and suitable work after your injury or illness, WSIB will work with you to develop a return-to-work training plan. You will continue to receive your full loss-of-earnings benefit as long as you continue to participate and cooperate in your recovery and return to work. If you choose not to cooperate, WSIB may suspend or reduce your benefits.
If you return to work but your injury or illness causes you to miss work again, you may be entitled to a loss-of-earnings benefit up to six years after the date of the original injury.
Loss of Earnings Calculation Examples
Example 1: Injury in 2023
A worker sustains an injury in 2023 with average weekly take-home pay of $1,200. The benefit rate for injuries on or after January 1, 1998 is 85 percent.
Weekly benefit amount: $1,200 × 85% = $1,020 per week
Bi-weekly payment: $1,020 × 2 = $2,040 every two weeks
Example 2: Injury in 1995
A worker sustained an injury in 1995 with average weekly take-home pay of $800. The benefit rate for injuries between April 1, 1985 and December 31, 1997 is 90 percent.
Weekly benefit amount: $800 × 90% = $720 per week
Bi-weekly payment: $720 × 2 = $1,440 every two weeks
Maximum Insurable Earnings Limits
WSIB benefits are calculated based on your earnings up to an annual maximum insurable amount. For 2025, the maximum annual insurable earnings amount is $112,500. This means if your earnings exceed this amount, your benefit will be calculated based on the maximum rather than your actual earnings.
| Year |
Max. Insurable Earnings |
| 2025 | $112,500 |
| 2024 | $109,500 |
| 2023 | $106,500 |
| 2022 | $103,500 |
| 2021 | $100,500 |
Pre-1990 Permanent Disability Benefits
If you never fully recovered from a workplace injury or illness that happened before 1990, you may be eligible for a permanent disability benefit. These benefits are calculated differently and have specific rules based on the date of injury and the nature of your permanent impairment.
Important Notes:
- This guide provides general information about WSIB loss of earnings benefits. Each claim is assessed individually based on specific circumstances.
- Benefit rates and maximum insurable earnings are adjusted annually.
- You must report any significant changes in your situation within 10 days.
- Failure to report changes can result in benefit reduction, suspension, or legal consequences.
- For specific questions about your claim, contact your WSIB Case Manager.
Frequently Asked Questions About WSIB Loss of Earnings
Because waiting weeks for a decision without knowing what you might get is stressful. This WSIB loss of earnings calculator shows you your estimated weekly benefit based on your take home pay. No surprises when that decision letter arrives.
This Ontario WSIB benefit estimator is for workers who got hurt on the job and cannot work or are working reduced hours. Full time, part time, casual, and contract workers. If you are losing wages due to a workplace injury, this tool helps you understand what WSIB will pay.
100% free. No sign up, no credit card, no hidden fees. This WSIB wage loss calculator works for any worker in Ontario with an approved claim. It costs nothing to estimate your benefits, understand partial return to work payments, or see how long benefits may last.
No way. This WSIB take home pay benefit tool does not save or share anything. No name, no SIN, no earnings details. Your answers stay in your browser. We never see them and we never sell your data. Completely private.
Yes. This Ontario workplace injury pay calculator follows official WSIB rules. That means 85% of net take home pay for injuries after 1997, partial benefits if you return to work part time, benefits continue until age 65 or return to work, and WSIB benefits are tax free. It won't approve your claim, but it tells you what to expect before you file.
