Ninety-four percent of the employed population in BC is covered by WorkSafeBC—are you?
WorkSafeBC, also known as the Workers’ Compensation Board of British Columbia, is a provincial agency dedicated to promoting safe and healthy workplaces across BC. WorkSafeBC partners with workers and employers to prevent work-related injury, disease, disability, and death. Its services include education, prevention, compensation, and support for injured workers, and no-fault insurance to protect employers and workers.
If you’re a physician in BC, you may be required to register with WorkSafeBC.
You are required to register if:
Registration as an employer ensures you are not subject to lawsuits from workers or other employers—if that were to happen, the costs could be significant. Also, if you are not registered and a worker is injured, you could be responsible for both the worker’s WorkSafeBC claim costs and your unpaid premiums.
If you are a physician operating through an incorporated company, you will receive coverage for health care, wage loss, and rehabilitation benefits in the event of a work-related illness or injury. However, if the corporation is not registered at the time of injury, compensation will not be provided.
You do not have to apply to register if:
In these cases, you are most likely a worker and receive worker coverage.
You may apply for personal optional coverage if:
Personal Optional Protection (POP) is an optional insurance plan designed to cover income loss and medical costs should you suffer a work‑related injury or disease. If you employ workers, you must register as an employer to cover any workers; however, POP coverage is optional.
POP coverage, once accepted, will pay health care, wage-loss, and rehabilitation benefits if you can’t work as a result of a work-related injury or illness. In that event, WorkSafeBC generally pays wage-loss benefits based on 90% of net average earnings (the average amount remaining after probable deductions), up to the yearly maximum.
You can choose how much wage-loss coverage you purchase, up to a maximum that is adjusted each year. In 2022, for example, the minimum monthly coverage is $2500 and the maximum coverage you can purchase is equal to your current monthly earnings or $8333, whichever is less. POP coverage also protects you from lawsuits from injured workers or employers.
WorkSafeBC offers physicians working in BC a streamlined process to determine whether they are required or eligible to register. To determine your status as a physician, please complete the physician registration application, which can be found by searching “1800PHPC” on www.worksafebc.com [10]. Email completed forms to phpcreg@worksafebc.com [11].
For more information, review the recently released Physician Guide to WorkSafeBC Registration and Insurance Coverage on www.worksafebc.com [10], which was developed with Doctors of BC.
—Kimi Nomura Schwab
Research & Evaluation Analyst, WorkSafeBC
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This article is the opinion of WorkSafeBC and has not been peer reviewed by the BCMJ Editorial Board.
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This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License [12]. |
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[2] https://bcmj.org/author/kimi-nomura-schwab
[3] https://bcmj.org/node/9257
[4] https://bcmj.org/sites/default/files/BCMJ_Vol64_No7-worksafebc.pdf
[5] https://bcmj.org/print/worksafebc/are-you-covered-physicians-and-worksafebc-insurance
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[11] mailto:phpcreg@worksafebc.com
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