What is the WSIB Loss-of-Earnings Benefit Calculator?
Online, Free, Instant Tool to Estimate Your WSIB LOE Benefits
If a work-related injury or illness has affected your ability to earn your regular income, you may qualify for Loss of Earnings (LOE) benefits through Ontario's WSIB board. Our WSIB Loss of Earnings Calculator helps you estimate your potential income replacement benefits based on your earnings, work status, and recovery information. The WSIB LOE calculator offers a quick estimate for informational purposes only. It is free to use, needs no registration, and helps you better understand your potential benefits before receiving an official WSIB decision.
What Are WSIB Loss of Earnings Benefits?
Loss of Earnings (LOE) benefits are created to replace part of the income you lose when a work-related injury or occupational illness prevents you from earning your regular wages. These benefits help support injured workers while they recover or when they are unable to return to their previous job because of permanent work-related restrictions. The amount you receive depends on factors such as your pre-injury earnings, current earning ability, and your individual claim.
By entering required details about your income before and after your workplace injury, the WSIB LOE Benefits calculator estimates your possible support amount. While it cannot replace an official calculation by WSIB, it offers a useful starting point for financial planning.
WSIB Loss of Earnings Benefit Rates
How your WSIB loss-of-earnings benefits are calculated considering the date of injury. The WSIB uses different LOE rates and calculation methods based on when your workplace injury occurred.
| Injury Date |
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.
How to Use the WSIB Loss-of-Earnings (LOE) Benefits Calculator
Our WSIB Loss of Earnings (LOE) Benefits Calculator helps you estimate the wage-loss benefits you may be eligible to receive after a work-related injury or illness. You can follow these steps to use this calculator for the most accurate estimate.
Step 1: Enter Your Date of Injury
Choose the date of injury when your injury or occupational illness occurred in the workplace. This helps determine the applicable WSIB benefit rules.
Step 2: Tell the Age at the Time of Injury
The calculator automatically displays your age based on your date of birth or injury date. Verify that the age shown is correct.
Step 3: Enter Your Average Weekly Gross Earnings
Provide your average weekly gross earnings before your injury. Include your regular wages before taxes and other deductions.
Step 4: Enter Your Weekly Payroll Deductions
Input the average amount deducted from your weekly pay, such as income tax, CPP, and EI contributions. This helps estimate your net earnings.
Step 5: Confirm Other Income Sources or Govt. Benefits
Select whether you are currently receiving any other employment income or government benefits. This information may affect your estimated Loss of Earnings benefits.
Step 6: Select Your Current Work Status
Tell the calculator whether you are missing work due to your injury, not missing work, ot partially returned to work. Your employment status is an important factor in estimating wage-loss benefits.
Step 7: Indicate Whether Your Employer Has Offered Suitable Work
Choose the option that best describes your current work situation, such as full duties, modified duties, or not applicable. It helps determine how your return-to-work status may affect your benefit estimate.
Step 8: Specify Your Return-to-Work Plan Status
Select whether you are participating in a WSIB-supported return-to-work plan. Participation may influence your estimated benefits and recovery timeline.
Step 9: Report Any Significant Changes
Check all changes that apply to your situation, such as returning to work, starting to receive other income or government benefits, a medical condition improving, or a medical condition worsening. These updates help produce a more accurate estimate.
Step 10: Calculate Your Estimated LOE Benefits
Click the calculate button to instantly view your estimated WSIB Loss of Earnings (LOE) benefits. The result is an informational estimate only and should not be considered an official WSIB benefit decision.
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.
Who finds this Loss-of-earnings Benefits Calculator Useful?
This loss of earnings support calculator is suitable for workers in Ontario who have:
- Faced a workplace injury or occupational illness.
- An approved or pending WSIB claim.
- Been temporarily unable to work.
- Returned to work with reduced hours or lower wages.
- Permanent work restrictions affecting their earning capacity.
- Estimated potential income replacement benefits.
Whether you are off work completely or working in a modified position, this loss of earnings estimator can help you understand how changes in your earnings may influence your benefits.
How Does This LOE Benefits Calculator Work?
This Loss of earnings benefits calculator estimates your potential benefits amount using details that may include:
- Date of Injury
- Age at the time of Injury
- Average weekly gross earnings before injury.
- Current earnings after returning to work, if applicable.
- Average weekly deductions
- Whether you are completely off work or working reduced hours.
- Your employment and other benefits status
- The date of your workplace injury.
- Any permanent work restrictions that affect your earning ability.
Using this information, the calculator estimates the amount of income you may have lost and provides an approximate benefit estimate.
Loss of Earnings Calculation Examples
Example 1: Injury in 2023
Suppose 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%.
Weekly benefit amount: $1,200 × 85% = $1,020/week
Bi-weekly payment: $1,020 × 2 = $2,040/bi-week
Example 2: Injury in 1995
Imagine, 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/week
Bi-weekly payment: $720 × 2 = $1,440/bi-week
Why Use Our WSIB Loss of Earnings Calculator?
Our calculator is designed to make estimating potential benefits simple and convenient.
| Benefit |
Why Use Our WSIB NEL Benefit Calculator? |
| Instant Calculation |
Receive a fast estimate of the WSIB NEL benefit within seconds after entering your information. |
| Completely Free to Use |
Use the calculator without paying fees, creating an account, or subscribing to a service. |
| Straightforward & Easy to Use |
Answer a few straightforward questions to generate your benefit estimate quickly. |
| Supports Financial Planning |
Estimate your potential compensation to help plan your recovery expenses and future finances. |
| Available 24/7 on Any Device |
Access the calculator anytime from your desktop, laptop, tablet, or smartphone. |
| No Login Sign-Up Needed |
Start calculating immediately without providing unnecessary personal details. |
| Time-Saving Tool |
Avoid manual calculations and get instant results with an automated estimate. |
| Education Purpose |
Better understand how impairment percentage, age, and recovery information may affect your NEL benefit estimate. |
| Scenario Comparison |
Try different impairment percentages or payment preferences to compare possible outcomes. |
| Informational Only |
Get a preliminary estimate before receiving an official WSIB Non-Economic Loss (NEL) benefit decision. |
Returning to Work and LOE Benefits
Many workers gradually return to work after recovering from an injury. If you return to:
- Modified Duties: You may continue receiving partial LOE benefits if your modified position pays less than your pre-injury job.
- Reduced Hours: Workers who can only work part-time because of medical restrictions may remain eligible for partial income replacement.
- Different Employment: If you cannot safely return to your previous occupation, WSIB may consider your new earning capacity when determining ongoing benefits.
Keeping your earnings information up to date is important because benefit amounts may change as your employment situation changes.
Estimate Your WSIB Loss of Earnings Benefits Today
Understanding how a workplace injury may affect your income is an important part of financial planning during recovery. Our WSIB Loss of Earnings Calculator helps you estimate your potential income replacement benefits based on your earnings and current work situation.
Use the calculator today to gain a better understanding of your possible LOE benefits, prepare for your recovery, and make informed financial decisions while your WSIB claim is being processed.
What is the Payment Sturcture of Loss-of-Earnings Benefits
Beneficiaries recieve loss-of-earnings benefits payment in every 2 weeks. Each year, adjustments are made by WSIB in loss-of-earnings benefits to balance the inflation and cost of living.
What is WSIB's 6 Year Review Process
If your LOE Benefit is ongoing, WSIB will review your benefit every year until you have received it for 6 years, or 72 months. After this duration, WSIB reviews 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.
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.
