Injured Workers Handbook

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1 Injured Workers Handbook

2 The Commission is responsible for keeping your personal information confidential and secure, and we take this responsibility very seriously. We collect, use and disclose only information necessary to administer and interpret the Workplace Health, Safety and Compensation Act (the Act) and only when authorized by law, including the Act, Access to Information and Protection of Privacy Act (ATIPPA) and the Personal Health Information Act (PHIA). For information on your privacy rights, how we handle confidential information, how to access and correct your records, or how to address a privacy concern, please review the Personal Information Privacy Statement, available on our website at: or by contacting the Commission. You may also contact the Commission directly at: or if you have any questions about your personal information and/or our privacy practices. The information in this handbook provides the reader with general information about the Workplace Health, Safety and Compensation Commission. It does not cover every issue or exception. If you want to interpret the law with respect to workers compensation, return-to-work obligations and injury prevention, please refer to the relevant legislation and regulations which are printed by the Queen s Printer or visit our website at: Updated April, 2014

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5 Contents Introduction...1 Return to work legislation Early and safe return to work...1 Worker co-operation...2 Penalties for worker non co-operation...2 Re-employment obligation...3 Re-employment penalties and payments...4 Workplace injuries What to do if you are injured...4 How to report the injury to the Commission...5 Qualifying for compensation...6 Benefits/services for injured workers Health care...7 Health care supplies and adaptive aids...7 Wage-loss benefits...8 Recurrence...10 Additional child care costs...10 Early and safe return to work...11 Accommodation...11 Alternate duties...11 Alternative work...11 Assistive devices...11 Ease back...12 Modifications...12 Modified work...12 Labour market re-entry...12 On-the-job training...12 Employment readiness...13 Academic upgrading/ formal training...13 Self employment...13 Extended earnings loss benefits (EEL)...13 Permanent functional impairment (PFI)...14 Pension replacement benefits...15 Dependency benefits...15 CPP disability benefits (CPP)...16 Commonly asked questions and answers...17 Worker Advisors...23 Contact Information...24 How to reach us...25

6 Introduction The Injured Workers Handbook contains general information about the Workplace Health, Safety and Compensation Commission (the Commission), benefits available to injured workers, safe return to work options and commonly asked questions. The Commission supports workers in their return to work and educates workplace parties in occupational health and safety issues. The Commission also provides benefits to injured workers or to a worker s dependants if the worker dies as a result of a work injury or illness. All decisions made by the Commission regarding a claim are based on the Workplace Health, Safety and Compensation Act (the Act), Regulations, Policies and Procedures. As this is a no fault system, workers give up their right to sue an employer or another worker covered under the Act. A worker may be able to sue another party when there is a motor vehicle accident. For details about motor vehicle accidents and third party actions, refer to page 18. Return-to-work legislation Early and safe return to work Since January, 2002, all employers and workers are obligated under the Act to co-operate in the worker s early and safe return to suitable and available employment with the pre-injury employer. Every effort is made to return the worker, where possible, to his or her pre-injury job while recovering from the work-related injury. 1 INJURED WORKERS HANDBOOK

7 Worker co-operation The Act sets out minimum requirements for workers regarding co-operation in the early and safe return-towork process. Workers are required to: 1. Contact the injury employer as soon as possible after the injury occurs and maintain effective communication throughout the period of recovery or impairment. 2. Assist the employer, as may be required, to identify suitable and available employment. 3. Accept suitable employment when identified. 4. Give the Commission any information requested concerning the return to work, including information about any disputes or disagreements which arise during the early and safe return to work process. Workers are eligible to receive appropriate benefits while co-operating in their active medical rehabilitation, and in the progressive early and safe return-to-work process. Penalties for worker non co-operation If the Commission determines that a worker is not co-operating in the early and safe return-to-work activities, the worker will be notified (verbally, if possible and in writing) of the obligation to co-operate in early and safe return to work, the finding of non co-operation and the consequences of this finding. INJURED WORKERS HANDBOOK 2

8 If a worker fails to demonstrate co-operation within one week after written notification from the Commission, or does not have a legitimate reason for not co-operating, the worker s benefits may be reduced, suspended or terminated, as determined by the Commission. Where there is evidence that a worker has been formally notified, in writing, of non co-operation in the early and safe return-to-work process in the past (either on the same claim or other claims), the Commission will not provide a subsequent one-week notification before benefits are reduced, suspended or terminated. Re-employment obligation Some employers may have a re-employment obligation if a workplace injury occurred on or after January 1, 2002, and if other conditions are met. When a worker is terminated within six months of re-employment, the Commission will determine if the employer has fulfilled their re-employment obligation. If you are dismissed from your employment for reasons you believe are related to your work injury, please contact the Commission immediately to determine if your employer has a re-employment obligation. Workplace parties may also have obligations to injured and disabled workers under human rights legislation. 3 INJURED WORKERS HANDBOOK

9 Re-employment penalties and payments If the Commission determines that the employer has not fulfilled the re-employment obligation, the Commission shall levy a penalty on the employer not exceeding the amount of the worker s net average earnings with the pre-injury employer, for the 12 months immediately preceding the beginning of the loss of earnings as a result of the injury. Payment may also be made to the worker, up to a maximum of one year, as if the worker was entitled to compensation payments. Workplace injuries What to do if you are injured Get First-Aid treatment, if available. Report the injury to your employer immediately. Tell the employer what happened, where it happened and the names of any witnesses. Visit a physician, chiropractor or physiotherapist and tell the health care provider it s a work injury. Your employer is responsible for paying reasonable travel costs for your initial visit and/or reasonable medical care. Bring the employer s copy of the physician Form 8/10, chiropractor Form 8/10c or the physiotherapy Form PR to your employer by the next working day or as soon as possible. You should receive your copy of the health care report and a copy for your employer at this visit. Report the injury to the Commission (see page 5). INJURED WORKERS HANDBOOK 4

10 It is important to actively participate in your recovery. You may be assigned a case manager who will help direct appropriate medical treatment and assist you in your safe return to work. Ask questions of your case manager to ensure you understand the process and programs involved. Feel free to bring a family member, friend or Worker s Advisor to any meeting you have at the Commission, and consult your union representative where available. How to report an injury to the Commission Complete a Worker s Report of Injury (Form 6), available from your employer or union office. Forms are also available from any Commission office and our website at: If you can t complete the form yourself, have a spouse, relative or friend help you, or contact the Commission for assistance. Please ensure all information, including your full name, complete mailing address, date of birth, MCP number and Social Insurance Number, are correct and accurate before you sign page 2 of this form. Any missing or incomplete information may cause delays in the processing of your claim. Even though your employer and health care provider may have sent in their reporting forms, you must still send in your form 6. Your claim will not be processed unless a completed Form 6 is received. Fax your form as soon as possible to: or fax toll-free at: If you mail your form, mailing information is available on the back cover of this handbook. If your form is not sent to us within three months of your injury, the Commission may not accept the claim. 5 INJURED WORKERS HANDBOOK

11 Qualifying for compensation The Commission reviews your Form 6, the Employer s Report (Form 7) and the Health Care Provider s Report of Injury (Form 8/10, 8/10c and PR) when deciding whether or not you qualify for compensation. If your claim is accepted you will receive written notification outlining your weekly compensation benefit rate, as well as other general information. If your claim is referred to Case Management, the letter will identify your team, i.e. case manager, client services assistant and health care benefits assistant. You will be issued a claim number which is your personal number. Please refer to this number when calling or visiting the Commission. If your claim is denied, you will receive written notification with the reasons for denial and outlining the process should you wish to appeal. If you prefer, the Commission can discuss your claim with your spouse, family member, or other representative such as a friend, lawyer, MHA or union representative, as long as there is appropriate authorization. To ensure confidentiality, complete a Form 13 Authorized Representative Consent. This form identifies the individual(s) at the Commission who you may contact to discuss your claim. An authorized representative can only be an individual. It cannot be a company or an organization. The Form 13 is available on our website at: or from any Commission office. You may change your authorized representative at any time by writing the Commission. INJURED WORKERS HANDBOOK 6

12 Benefits/services for injured workers Health care The Commission pays reasonable health care expenses related to a workplace injury. These include physician fees, chiropractic fees, hospital costs, prescription drugs, physiotherapy, and occupational therapy. Also included are health care supplies and adaptive aids such as heating pads, crutches or prothesis.* The Commission also pays reasonable costs for travel, where appropriate, including accommodations and meals. You can choose the health care provider you wish to see after an injury. In some cases, the Commission may request an examination by a specific physician. If for any reason you want to change your health care provider, you will need to consult your case manager. If you are referred to a physiotherapist, you must contact a physiotherapy clinic within 72 hours. Commission coverage for physiotherapy applies only to clinics who have signed a Memorandum of Agreement, (MOA). It is important to confirm this when booking an appointment. A physician referral is not required to attend a physiotherapy clinic where the worker avails of the service within two weeks from the date of a new injury. For more information on physiotherapy providers visit: Health care supplies and adaptive aids: The Commission has secured commonly-prescribed health care supplies and adaptive aids through the *Items may be subject to tendering costs 7 INJURED WORKERS HANDBOOK

13 public tendering process. Health care supplies and/or adaptive aids require prior approval by the Commission before being obtained. When prescribing health care items, your treating health care provider should submit a completed Health Care Devices and Supplies prescription form to the Commission, including the rationale for the prescribed item(s), the measurements and/or size required. If an ordered item(s) is not suitable, you must notify the Health Care Benefits Assistant assigned to your claim immediately. He/she can advise you if the item is returnable. The following guidelines apply to return of items: The item must be returned in the original packaging and shipping material The item must be unused and in re-sale condition (not soiled in any way) The item must be returned within 3 days of receipt Wage-loss benefits When the Commission accepts your claim for wage-loss benefits, your compensation usually starts the day after your injury. Your employer is required to pay your full wages for the day of the injury. The Commission pays wage-loss benefits while you are not working due to your compensable injury, receiving medical treatment and/or participating in a return-to-work or labour market re-entry program. If you refuse treatment recommended by your physician, delay treatment or fail to participate in a return-to-work or labour market re-entry program without good reason, the Commission may interrupt or discontinue your benefits. Wage-loss benefits are calculated as 80 per cent of your pre-injury net earnings. Your net earnings are your gross pay less probable EI, CPP and federal and provincial INJURED WORKERS HANDBOOK 8

14 tax credits. There is a limit on the amount of earnings insured called the maximum compensable ceiling. The Commission does not pay union dues or any other deductions you normally pay.the Commission considers Canada Pension Plan disability benefits related to the injury and employer-sponsored pension benefits (which a worker applies for and receives following a work injury) as earnings and deducts these from compensation benefits. Your compensation benefits may be reduced if garnishment of wages exists due to support enforcement or social assistance payments. Where there is entitlement, the Commission may pay wage-loss benefits until a worker reaches age 65. A worker who is 63 or older at the time of injury may receive benefits for a maximum of two years. The Commission usually calculates your wageloss benefits based on your average earnings. When calculating your average earnings, the four pay periods immediately before the injury are considered. 9 INJURED WORKERS HANDBOOK

15 This calculation may change depending on your employment status (e.g. seasonal worker). At 13 weeks, the Commission will recalculate your average earnings based on what you earned for the 12 months before the injury, which may include employment insurance benefits. Federal and provincial income tax tables change each year and as a result, some clients may experience a slight increase or decrease in their benefit level during scheduled income tax adjustments. Recurrence If you recover and/or return to work, and your injury causes further disability, you may re-apply for benefits. You should report this to your employer as soon as possible, giving the full details of the recurrence. To apply for recurrence review, you must send in a Form 6. Your employer submits a Form 7 and your health care provider files a Form 8/10 (physician), Form PR (physiotherapist) or Form 8/10c (chiropractor). The Form 6 and the Form 7 are available from your employer or from our website at: Additional child care costs An injured worker who pays for additional child care because of their work injury may be reimbursed if this amount is more than what they normally paid while working. If there are additional child care costs because you are attending medical treatment for the work injury or attending a labour market re-entry program sponsored by the Commission, you may apply for reimbursement of the additional costs. If you are not attending medical treatment or a labour market re-entry program, child care costs will not be reimbursed. INJURED WORKERS HANDBOOK 10

16 Early and safe return to work All employers and workers are obligated under the Act to co-operate in the worker s early and safe return to suitable and available employment with the injury employer. Your employer must pay you for work performed during these programs and the Commission pays the difference, up to your compensation rate. The programs, as defined below, assist workplace parties during return-to-work planning. The definitions should be read in the context of the hierarchy of return-to-work priorities. Other relevant policies, available from our website, should be consulted and considered when decisions are made on return-to-work programs. l Accommodation is any change or adaptation to the work, hours of work, work duties or workplace, and includes the provision of equipment or assistive devices. In any specific case, accommodation can include, but is not limited to, any of the options outlined in the Commission s Policy RE-18 or an appropriate combination. l Alternate duties are non pre-injury duties within the worker s functional abilities. l Alternative work is a different job or bundle of duties (not the pre-injury job or duties) that is suitable and provided to accommodate a worker who has temporary or permanent functional restrictions as a result of the injury. l Assistive devices include aids and attachments, specifically designed for the worker and/or required by the worker to perform job-related activities. 11 INJURED WORKERS HANDBOOK

17 l Ease back is a gradual return to pre-injury hours of work achieved by increasing the number of hours worked over a defined time-frame agreed upon by the workplace parties and utilizing the functional abilities information relating to the worker. While the pre-injury hours of work vary, the pre-injury duties are the same. l Modifications are changes to job schedule, equipment, organization of work and/or facilities. l Modified work occurs when changing the duties of the pre-injury job to accommodate the worker s functional restrictions as a result of the injury. Modified work includes altering or removing some duties while the worker is still primarily in his or her pre-injury position. Labour market re-entry (LMR) In cases where the pre-injury employer is unable to accommodate an injured worker or has been found to be non co-operative in the early and safe returnto-work process, or where the nature of the injury limits the employer s ability to accommodate the worker s return to suitable employment, the Commission will consider a labour market re-entry assessment and plan which may involve the following programs. On-the-job training The Commission may sponsor on-the-job training programs to allow workers to obtain new skills to become employable with the injury employer or another employer. INJURED WORKERS HANDBOOK 12

18 Employment readiness The Commission may provide employment readiness services, including wage-loss benefits to workers displaced from their jobs because of the injury, but who are capable of re-entering the workforce with their current skills. Services that are available may include resume preparation, job interview preparation and learning to access information on securing job opportunities. Academic upgrading/ formal training This training allows workers to upgrade their skills so they can re-enter the workforce or qualify for a training program. The Commission consults with injured workers to choose the most appropriate training program. Self employment The Commission may provide financial assistance to injured workers for self-employment purposes if this is considered to be a reasonable and viable return-to-work option. A market impact analysis will be conducted before any self-employment venture is approved. Extended earnings loss benefits (EEL) Workers may qualify for extended earnings loss benefits (EEL) following maximum recovery from their work injury if workers are unable to earn as much as they earned before their injury or if it is determined that a worker will not be able to return to the workforce due the impact of the work injury. 13 INJURED WORKERS HANDBOOK

19 These benefits are 80 per cent of the difference between net income earned (up to the maximum compensable benefit) before the injury indexed to the current year and the net income earned or the net income the worker is considered capable of earning. Extended earnings loss claims are reviewed periodically. Permanent functional impairment (PFI) If your injury causes a permanent loss of bodily function, you may qualify for a lump-sum benefit. This benefit is in addition to wage-loss benefits and health care benefits. It is calculated by multiplying the percentage of impairment by the maximum compensable limit. The Commission determines the percentage of impairment by matching the physical findings with the Commission s PFI rating schedule which is based on the American Medical Association (AMA) guidelines for permanent impairment. For example, if you are assessed to have a 10 per cent PFI, multiplied by $60,760 (the 2014 maximum compensable benefit) the worker receives a PFI award of $6,076. INJURED WORKERS HANDBOOK 14

20 A worker is eligible for a PFI assessment after treatment and maximum recovery and may be re-assessed if function deteriorates. Different parts of the body are of more functional importance than others and the PFI reflects that. The PFI benefit does not give a separate award for pain and suffering. Pension replacement benefits When an injured worker is receiving compensation benefits and turns 65 years of age, wage-loss benefits usually cease. However, the worker may apply to the Commission for a pension replacement benefit. If the worker can show a loss of income from Canada Pension Plan or a registered employersponsored pension as a result of their injury, the worker may be entitled to the amount of pension lost due to the work injury. Dependency benefits If a worker dies as a result of a work-related injury or illness, there are benefits for their dependants. These benefits may include a lump-sum award and monthly benefits, based on the deceased worker s compensable income. The amount, type and length of time when benefits are paid varies. For more information about dependency benefits, please contact the Commission. 15 INJURED WORKERS HANDBOOK

21 Canada Pension Plan (CPP) disability benefits The CPP disability benefit is a taxable benefit administered by Service Canada. Workers may be eligible to receive CPP disability benefits and it may be an advantage to apply. Because the Commission only considers 75 per cent of CPP disability as an offset when calculating weekly compensation benefits, the combined amount of the CPP disability benefit and the compensation benefit may be greater than income from the compensation benefit alone. Furthermore, if workers are eligible for CPP disability benefits, their dependants could also benefit financially because the Commission does not deduct CPP dependency benefits from wage-loss benefits. However, if you apply for and receive full CPP disability benefits related to your work injury while receiving full compensation benefits for the same period, a portion of your retroactive CPP disability benefits must be paid back to the Commission. For further information contact your case manager. To obtain an application for the CPP disability pension, contact Service Canada directly. Information and contacts are located at: or by calling: INJURED WORKERS HANDBOOK 16

22 Commonly asked questions and answers How can I manage my claim? Have your claim number ready before you call the Commission. Continue to follow the advice of your health care provider(s). Notify your case manager immediately if there are any changes in your status, treatment plan or return-to-work program. Call your case manager to make an appointment to discuss your claim as this ensures someone is available to meet with you. Contact your employer regularly to let him/her know your functional abilities and discuss return to work possibilities. Notify your claim owner of any disputes or difficulties in the return to work process. Keep a log of all communication with your employer. Bring the employer s copy of the physician (form 8/10), chiropractor (form 8/10c) or physiotherapist (form PR) health care report to your employer by the next working day or as soon as possible. 17 INJURED WORKERS HANDBOOK

23 If you are referred to a physiotherapist, contact a physiotherapy clinic within 72 hours. Notify your case manager immediately if you become eligible for Canada Pension Plan Disability, registered employer-sponsored pension plan benefits or any monies from your employer. Will I receive compensation benefits if the injury was my fault? Yes. Workers compensation is a no fault insurance system. This means that workers are eligible for benefits for work-related injuries regardless of who is at fault. Section 43(1)(a) of the Workplace Health, Safety and Compensation Act states: Compensation under this Act is payable to a worker who suffers personal injury arising out of and in the course of employment, unless the injury is attributable solely to the serious and wilful misconduct of the worker. Everyone must always follow proper health and safety procedures in the workplace. What is a third party action? These are circumstances where injuries are due to the negligence of someone other than a worker or employer under the Act. In these cases, you have the right to bring legal action against the third party. If you are injured as a result of being a driver or passenger in a mode of transportation for which public liability is required to be carried, you can sue the person at fault even if that person is an employer or worker under the Act. Third party cases are identified by the Commission. Within three months of the injury, you must decide whether you wish to claim compensation or sue. INJURED WORKERS HANDBOOK 18

24 In the event of a death, the time to elect compensation may be shorter than the time period to claim compensation. The Commission extends the right to elect compensation to six months in the case of a death. Benefits will not be paid by the Commission until you decide to claim compensation rather than sue. If you decide to claim compensation, the Commission may sue the third party on your behalf. If the Commission sues and recovers more money than you are entitled to receive in compensation, the Commission will pay you the excess, less legal and administrative costs. If you choose to sue and are unsuccessful, or you recover less money than you would have received from the Commission, you are not eligible for any compensation benefits. For further details on third party actions, please see the Third Party Actions Your Right to Sue brochure available from the Commission s website at: or by calling: What if I am cleared to go back to my job, but my employer does not take me back to work? If your employer regularly employs 20 or more workers, you have worked with your employer for one year prior to your injury, and you are medically able to perform the essential duties of the pre-injury employment, or to perform suitable work that is available, then your employer is required to offer you re-employment. If it is determined that the employer is not complying with their re-employment obligation, the Commission may levy a penalty to the employer. Contact the Commission should this situation apply to you. 19 INJURED WORKERS HANDBOOK

25 What if I have difficulty or a disagreement with my employer about early and safe return to work? There are ESRTW facilitators available at the Commission to assist with any ESRTW issues. You must contact your case manager should you have any difficulty or a disagreement regarding your ESRTW. Do seasonal workers have re-employment rights? Yes. Certain re-employment guidelines apply to seasonal workers. Contact the Commission at: or and ask to speak to an appropriate Commission representative regarding re-employment rights for seasonal workers. What happens if I am considered medically fit to return to the same type of job I had when I was injured, but cannot find employment? If you cannot return to work because of economic or other reasons not related to your injury, you are not entitled to workers compensation benefits. Capacity to work and earn is the critical factor in determining entitlement to benefits, not the availability of work. Will the Commission find employment for me? No. The Commission provides reasonable benefits to injured workers and supports workers in their safe return to work and labour market re-entry. The Commission may be able to offer assistance in identifying the type of occupations for which you are best suited, however the Commission does not find you a job. INJURED WORKERS HANDBOOK 20

26 Can I have a decision reviewed? Staff at the Commission make decisions every day to determine entitlement. Workers dissatisfied with a decision may request a review of their file. This request must be filed within 30 days from the date you receive the Commission s written decision. Your request can be made in writing, or by using a Request for Internal Review form located on the Commission s website. You must clearly state the decision which you are appealing and the reason why you disagree. If the reason for your appeal is unclear, it may cause a delay in the review. Your employer can also request a review of a decision on your file. If this occurs, you will be advised and you will be able to participate. The Commission s final decision is always in writing and will be provided within 45 days from the date your request is received. To request an Internal Review, send your appeal to: Administrative Officer, Internal Review Workplace Health, Safety and Compensation Commission Forest Road P.O. Box 9000, St. John s, NL A1A 3B8 Attention: Internal Review The internal review decision is the final decision of the Commission. It can be reviewed by the Workplace Health, Safety and Compensation Review Division (WHSCRD), an external body independent of the Commission. The request for an external review must be filed within 30 days from the date you receive the Commission s final decision. For more information on WHSCRD review please contact their office at: (709) or toll-free: or visit their website at: 21 INJURED WORKERS HANDBOOK

27 Can I request information from my claim file? Under Commission policy, you (or your authorized representative) can access your file. Access may include reviewing file documentation in person or obtaining copies of file documentation. Your employer may also have access to your file if an appeal is registered. The employer can only access information relevant to the appeal. You will be notified if this occurs. All requests must be made in writing. Please include your name, address and claim number, as well as the information you are requesting and submit to: Internal Review Clerk Workplace Health, Safety and Compensation Commission Forest Road P.O. Box 9000 St. John's, NL A1A 3B8 Can I leave the province? If you are receiving benefits and wish to leave the province, you must notify your case manager, inform your health care provider and ask for medical approval. Benefits may continue if medical treatment, early and safe return to work or labour market re-entry programs are not interrupted, delayed or discontinued. You may be expected to avail of your vacation pay through your employer. INJURED WORKERS HANDBOOK 22

28 Is there a clothing allowance? When it is necessary to wear a prosthesis or other apparatus that causes damage or unusual wear to clothing, an allowance may be paid to cover replacement costs. Does the Commission have investigators? Yes. Investigators ensure everyone who is part of the system uses it fairly. This includes employers, injured workers and health care providers. If you have any concerns about abuse of the worker s compensation system, contact the Commission at or call Legal Services at What should you do if you have a question or concern? Contact an information officer at or toll-free, Explain to the officer that you have a question or a concern and you will be directed to the appropriate Commission representative. Workers Advisors Workers advisors are funded by the Commission and help both unionized and non-unionized workers free-of-charge, on any matters related to workers compensation. The workers advisors provide general information about the workers compensation system and help workers interpret legislation and prepare for appeals. They also liaise between the injured worker, the Commission and the injured worker and Workplace Health, Safety and Compensation Review Division (WHSCRD). 23 INJURED WORKERS HANDBOOK

29 To contact a Workers Advisor: Bernie Coffey Workers Advisor 330 Portugal Cove Place NAPE Building, 2nd Floor P.O. Box 8597, Station "A" St. John's, NL A1B 3P2 Telephone: (709) Toll Free: Fax: (709) John Reardon Workers Advisor 113 Lincoln Road P.O. Box 248 Grand Falls-Windsor, NL A2A 2J7 Telephone (709) Toll-Free: Fax: (709) INJURED WORKERS HANDBOOK 24

30 For further information: To receive specific information on the Workplace Health, Safety & Compensation Act, regulations, policies and procedures, please contact the office nearest you or visit our website at: 25 INJURED WORKERS HANDBOOK

31

32 How to reach us St. John s Forest Road P.O. Box 9000 St. John s, NL A1A 3B8 Telephone (709) Fax (709) Toll-Free Grand Falls-Windsor 26 High Street P.O. Box 850 Grand Falls - Windsor, NL A2A 2P7 Telephone (709) Fax (709) Toll-Free Corner Brook Suite 201B, Millbrook Mall 2 Herald Avenue P.O. Box 474 Corner Brook, NL A2H 6E6 Telephone (709) Fax (709) Toll-Free

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