WSIB and the contracted or independent worker (Ontario) | Life ...
Let's talk about your issues as a self employed contractor, shall we?
If you are an “employee” your company must by law insure you for workplace related injury. This might explain why so many companies are forcing employees to go on contract, and hiring them back at higher wages in lieu of benefits.
And, this is not necessarily a bad thing for you as the contracted employee. There are tax advantages, and if done right, more protection options in areas of disability coverage that will put you in the driver's seat. Nortel has proven that group LTD is not the be all and end all, and it should send shock waves through the corporate employees to realize they had better take measure to protect themselves. But we are here to focus now on WSIB.
Perhaps your client is looking to cut back on cost, and by hiring companies and contractors, they can avoid the high premiums of WSIB.
Specifically, what are your issues and shortfalls with the WSIB insurance program?
The best little graph I have seen so far is this one that compares the WSIB situation with that offered by private disability:
...Read more...
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