Collateral benefitsCollateral benefits are income and benefits designed to replace lost wages that you are entitled to because of a workplace injury. This includes benefits provided under the Canada Pension Plan, the Quebec Pension Plan, the Employment Insurance Act, a disability insurance plan, and employer “top-up benefits”.How collateral benefits impact your wage loss benefitsIf the total amount of collateral benefits and wage loss benefits you are entitled to receive add up to more than 100% of your actual loss of earnings, the amount over 100% will be deducted from your wage loss benefits.If you are a worker with a collective agreement that entitles you to top-up benefits from your employer, there will be no deductions from your wage loss benefits, as long as the top-up does not provide you with more than 100% of your actual loss of earnings.Exemptions You are not required to report or include: insurance benefits that are designated for mortgages or loan payments retirement pension benefits, including RRSP and RRIF income CPP disability child benefits capital gains income or investment income survivor benefit Call your WCB representative if you are unsure whether or not the income you are receiving is a collateral benefit. Related linksWorkers compensation benefitsWage loss benefitsIncome assistance benefitsWorker rights and responsibilities
