1 Understanding Québec s Occupational Health and Safety Plan
2 Understanding Québec s Occupational Health and Safety Plan
3 This guide is intended to make Québec s Occupational Health and Safety Plan easier to understand. It has no legal bearing and does not replace current laws and regulations. Workers who sustained an employment injury before August 19, 1985 and who are therefore covered by the Workmen s Compensation Act, as well as their employers, should contact the CSST to learn about their rights and obligations. Writing, Editing and Production Direction des communications Translation Elaine Kennedy Coordination Sylvie Laberge Graphic Design Diane Urbain, Nancy Dubé Computer Graphics Diane Urbain Illustrations Martin Gagnon illustrateur Printing Imprimerie K2 Note In this document, the masculine is used to designate both sexes, with no discrimination intended. La présente brochure est aussi disponible en version française Commission de la santé et de la sécurité du travail du Québec Legal deposit Bibliothèque nationale du Québec, 2005 ISBN
4 Table of Contents Introduction The role of the CSST The CSST: an organization with joint representation The CSST and its partners The CSST: a team at your service Personalized online services Is it necessary to register with the CSST? You are an employer You are a worker You are not covered by the compensation plan Prevention: why and how to take action in the workplace The prevention program Cooperation between workers and employers Occupational health services Joint sector-based associations When and how does a CSST inspector intervene? Can a worker refuse dangerous work? The For a Safe Maternity Experience program Certificate Breast-feeding Reassignment Withdrawal Compensation
5 What do you do in the event of an industrial accident or occupational disease? Is the worker s income protected? The day of the accident The days following the accident During the first 14 days As of the 15th day In the event of an occupational disease Are medical assistance costs paid by the CSST? The attending physician and medical reports Two fundamental rights of victims of employment injuries What is the right to return to work? What is the right to rehabilitation? Personalized rehabilitation plan Return to work after rehabilitation A return-to-work solution: temporary assignment Other compensation and recourses What is the compensation for bodily injury? What are the rights of the worker s dependants in the event of his death? Spouse Minor and adult children Other dependants Worker s mother and father In the event of disability
6 Table of Contents What is the worker s recourse against penalization? Reconsideration of a CSST decision Can a CSST decision be challenged? A made-to-measure insurance plan Average premium rate Employer s premium rate Unit-rate plan: for small businesses Personalized-rate plan: for medium and large businesses Retrospective plan: for very large businesses Prevention mutual groups: strength in numbers Important steps for the employer In October In January In March Recourse in respect of financing Some definitions Useful addresses CSST regional offices Joint sector-based associations for occupational health and safety
7 Introduction Québec s Occupational Health and Safety Plan is the result of a broad consensus. This social contract, which binds more than three million workers and their employers, is intended first and foremost to prevent industrial accidents and occupational diseases, but also to provide assistance to the victims thereof. Québec has adopted laws establishing the rights and obligations of workers and employers. These laws include the Act respecting occupational health and safety, which deals with prevention and inspection, and the Act respecting industrial accidents and occupational diseases, which governs worker compensation and rehabilitation. These laws make both workers and employers responsible for health and safety in the workplace. The application of these laws is the responsibility of the Commission de la santé et de la sécurité du travail (CSST). The following pages give an overview of the CSST and Québec s Occupational Health and Safety Plan. For further information, please contact your CSST regional office. 8
8 Introduction The role of the CSST The Commission de la santé et de la sécurité du travail administers the Occupational Health and Safety Plan. It is concerned, for example, with preventing employment injuries; however, it also acts as public insurer for both workers 1 and employers, 2 providing them with the services to which they are entitled. In the area of prevention, the CSST: promotes occupational health and safety; supports workers and employers in their efforts to achieve a healthier, risk-free work environment; inspects work premises. As Plan administrator, the CSST sees to the funding of the Plan through the premiums it collects from employers. In the area of compensation, it: compensates workers who sustain an injury as a result of an industrial accident or occupational disease; ensures that workers receive the medical assistance they require in light of their condition; sees to it that workers who suffer permanent physical or mental impairment 3 due to an employment injury benefit from rehabilitation services. To fulfill its role, the CSST not only relies on the cooperation of workers and employers, but also on the collaboration of the health, research, education and other sectors. The CSST: an organization with joint representation The CSST is headed by a joint Board of Directors, which is made up of an equal number of worker and employer representatives. The Board has 15 members who are appointed by the government; they include the CSST s Chairman of the Board and Chief Executive Officer and seven representatives of both parties. Thus, workers and employers take part in developing and managing occupational health and safety programs. The Chairman of the Board and Chief Executive Officer chairs the meetings of the Board and ensures that it operates effectively. He is responsible for administering the Plan, managing the CSST and maintaining good relations with the government. He also heads a management committee, which coordinates, in particular, the implementation of the decisions made by the Board. 1. See the section "Some definitions." 2. See the section "Some definitions." 3. See the section "Some definitions." 9
9 The CSST and its partners The Occupational Health and Safety Plan requires the cooperation of a number of partners, all of which play a vital role. These partners include: the Institut de recherche Robert-Sauvé en santé et en sécurité du travail, which conducts scientific research in occupational health and safety, trains researchers and offers laboratory services; the Ministère de la Santé et des Services sociaux, the regional boards (mainly their public health departments) and the health and social services centres, which offer health services emphasizing prevention; joint sector-based associations, 4 which provide businesses in their sectors with training, information, research and counselling services on the prevention of work-related accidents and diseases; and the Ministère de l Éducation, du Loisir et du Sport, which incorporates occupational health and safety into its educational programs. The CSST also relies on the collaboration of trade unions and employer associations, which provide their members with training and information on occupational health and safety. The CSST supports its partners in occupational health and safety matters by providing prevention information and training, technical assistance and, in certain cases, financial aid. To help coordinate and optimize the impact of the efforts by the various groups, the CSST has set up consultation mechanisms enabling it to work more effectively with all its collaborators. The CSST: a team at your service To remain close to its client base, the CSST has offices throughout Québec. Its personnel, divided into 20 regional branches, provides all its prevention-inspection, compensation (indemnification and rehabilitation) and financing programs and services. Thus, workers and employers have easy access to a local representative who can respond to their requests and make the appropriate decisions. 4. See the list of such associations on page
11 The CSST also provides various information and counselling services. For example, it: meets with workers and employers at their Personalized online services The CSST offers its employer clients, partners and suppliers a full range of electronic products and workplace to make them aware of their prevention-related services 5 that facilitate and accelerate the exchange rights and obligations, and supports them in their prevention of information. These products and services efforts, if need be; manages a documentation particularly the Portrait de l employeur (Employer Profile), the centre with an audio-visual Portrait du travailleur (Worker library, which is open to the public and can be Profile), the Relevé à la moyenne et à la grande entreprise (Statement accessed by computer throughout Québec; provides access to a computerized toxicological index through a state-of-the-art Web site, containing information about industrial or commercial products used in Québec; produces, publishes and distributes many general and specialized information documents, including the magazine Prévention au travail, available free of charge; Serving workers and employers with respect, professionalism and fairness is a priority for the CSST. for Medium-sized and Large Businesses), electronic mail, the electronic form Avis de l employeur et demande de remboursement (Employer s Notice and Reimbursement Claim), and the Guide et simulateur de calcul des indemnités de remplacement du revenu (Income Replacement Indemnity Calculation Simulator and Guide) pave the way for simplified, effective and accelerated management of every aspect of occupational health and safety. Services are also offered to hospital centres, physiotherapy and occupational therapy clinics, gives employers direct electronic access to and health and social service centres. information and data of concern to them; maintains a Web site at 5. For further details, visit the CSST s Web site (Guichet CSST). 12
12 Introduction Is it necessary to register with the CSST? You are an employer A company operating an establishment in Québec which has at least one worker, whether full-time or not, must register with the CSST within 14 days of hiring its first worker. It must also supply, within 60 days, all the necessary information about the nature of its activities and the wages it expects to pay out during the year. The CSST then uses this information to determine the premium the company must pay. This mandatory insurance service protects the company against the risk of having to bear a major financial burden that could be caused by an employment injury. You are a worker Workers are automatically insured if they are the victim of a work-related accident or disease. They do not have to register with the CSST and do not have to pay for this coverage. Under certain conditions, other persons, such as student trainees, are also covered by the CSST. Any company owner, partner or director of a business or other legal entity may benefit from personal coverage if they apply to the CSST. Most domestics and self-employed workers i.e. persons in business for themselves are not automatically covered by the CSST. They can, however, register on their own or through an association to which they belong. Volunteers, for their part, are protected, provided the organization or company benefiting from their services applies to the CSST for coverage. Personal coverage may not be lower than the minimum wage or higher than the maximum yearly insurable earnings. In the event of an employment injury, the compensation provided is based on the amount specified in the application. You are not covered by the compensation plan Persons employed by an individual to take care of another person but not living with that person, as well as persons whose principal source of income is derived from sports, are not covered by the compensation plan. 13
13 Prevention: why and how to take action in the workplace Industrial accidents and occupational diseases have dire personal and economic repercussions... for workers, who can be caused impairment, upsetting their personal, family and social lives; for businesses, which can be deprived of experienced labour; and for everyone, since the cost of employment injuries drives up production costs, thus increasing the price of goods and services. The solution, in a word, is prevention. For years, the CSST has been encouraging workers and employers to take charge of preventing industrial accidents and occupational diseases. It offers them support in identifying and eliminating hazards in their workplace and in maintaining safe, healthy working conditions at all times. 14
14 Prevention: why and how to take action in the workplace The prevention program Employers that operate in sectors designated by regulation as priority sectors (as a result of the frequency and seriousness of employment injuries) and those that belong to a prevention The committee can, for example, evaluate risks, keep accident records, investigate accidents, submit recommendations to the employer, and participate in worker training and information programs. mutual group 6 are required to implement a prevention program tailored to each establishment. All One or more worker members of the health and safety committee employers would do well to have are assigned the such a program, however, since it helps them protect their workers health and safety. The prevention program must include practical measures for eliminating dangers specific to the establishment or work environment. For the employer, this program is the prevention management tool of choice. Cooperation between workers and employers Cooperation between workers and employers is the key to success in The CSST is forging ahead with its efforts to raise public awareness about the prevention of industrial accidents and occupational diseases, a key objective of its mandate. responsibility of prevention representative. This responsibility involves identifying health and safety hazards, inspecting the work premises, investigating accidents, making recommendations and helping workers exercise their rights. Occupational health services Occupational health services are usually provided by the health and social services network, which has medical or preventing work-related accidents and diseases. paramedical personnel who can provide workers with prevention-oriented health services The best way to provide for this cooperation is to set up a joint health and safety committee, with a adapted to the hazards they face. mandate to improve the health and safety conditions of all the workers it represents. 6. See the section "A made-to-measure insurance plan." 15
15 The main services offered by the network are: determining health hazards in the workplace and informing workers about the necessary protection methods; detecting and preventing any health problems that may be caused or aggravated by workplace-related hazards; setting up and making available an appropriate first aid service; analyzing the work carried out and determining the physical characteristics of each worker to help ensure they are assigned to tasks that do not jeopardize their health; monitoring environmental conditions on the work premises. Joint sector-based associations To take prevention one step further, workers and employers can set up associations that are joint, i.e. that have equal representation of both parties. These associations are created following agreement between the employers and the workers associations in a given sector. Joint sector-based associations are funded by the premiums of employers in that sector. They dispense training, information, research and counselling services to workers and employers in the sector. They provide workers and employers, for example, with technical and professional assistance in setting up a health and safety committee and developing a prevention program. There are presently 12 joint sectorbased associations in Québec. 7 When and how does a CSST inspector intervene? Employers and workers are in charge of occupational health and safety in their work environment; however, the CSST inspectors are responsible for ensuring that the law and regulations are respected at establishments and on work sites. An inspector intervenes when a complaint is made or a serious industrial accident takes place. He can visit the workplace for other reasons, e.g. to support the employer or workers in their prevention efforts, render a decision when a worker exercises his right of refusal to work, carry out a general inspection of the health and safety measures, or encourage the company to eliminate specific hazards targeted by the CSST. The inspector can also act as mediator in the event of a dispute between the employer and the prevention representative or between members of the health and safety committee, if the parties so wish. Workers can request the intervention of an inspector by contacting a CSST regional office any time, 24 hours a day. However, workers are encouraged to discuss the matter with their employer, health and safety committee or their recognized association first in order to find and implement solutions to health and safety problems. The methods used by the inspector range from issuing a notice to correct a 7. See the list on page
16 Prevention: why and how to take action in the workplace situation, to suspending operations or closing down the work premises. Fines are levied for a breach of the law or regulations or refusal to comply with a decision or an order handed down under the legislation. the job is to be performed are normal for the type of work to which he is assigned. As soon as a worker exercises his right of refusal, he must notify his immediate superior or his employer thereof and give the reasons for this action. He must remain available on the premises to perform other work, if necessary. The immediate superior or the employer must then call upon the safety representative to look into the problem and come up with possible solutions. If the establishment does not have a safety representative or if he is unavailable, the immediate superior or the employer must call upon a union representative or an employee designated by the worker exercising his right of refusal. If the employer and the safety representative cannot agree that there is a hazard or how to correct the situation, either may request the intervention of a CSST inspector. The worker may also call upon an inspector if he is not satisfied with the conclusion reached by the employer and safety representative. The inspector must decide as quickly as possible whether or not a hazard exists. His decision must be implemented, even if the parties are not in agreement. Can a worker refuse dangerous work? A worker is entitled to refuse work that he has reason to believe might put him or someone else in danger. A worker may not exercise this right, however, if it jeopardizes the health or safety of another person, or if the conditions under which 17
17 However, a request can be made to have this decision reviewed by the CSST, at the regional office concerned. 8 It should be noted that, under certain circumstances, the employer may ask another employee to replace the worker exercising his right of refusal. However, the employee must be advised of the worker s action and his reasons for such action, and may, in turn, refuse to do the work as well. A worker may not be penalized for exercising his right of refusal. He will continue to draw his salary and may not be dismissed or otherwise disciplined unless he abuses his right. In such a case, the burden of proof rests with the employer. The For a Safe Maternity Experience program A pregnant or breast-feeding worker benefits from special protection. 9 If her working conditions endanger her health or that of her unborn or nursing child, she has the right to be reassigned immediately to another job that does not involve such hazards and that she is able to perform. her job in complete safety. The employer can achieve this objective in many ways, e.g. by: eliminating the hazard at source; modifying the worker s job; adapting her workstation; reassigning the worker to another job or workstation. If her workstation cannot be modified or she cannot be assigned to another station, she has the right to stop working temporarily and receive compensation from the CSST. This is not a maternity leave, but rather a preventive program aimed at allowing the worker to continue 8. See the section "Can a CSST decision be challenged?". 9. Employees of federal institutions are exempt from the For a Safe Maternity Experience program. 18
18 Prevention: why and how to take action in the workplace Certificate To exercise her right to a safe maternity, the worker must ask a physician to fill out the form Preventive Withdrawal and Re-assignment Certificate for a Pregnant or Breast-feeding Worker. This physician must consult with the physician in charge of health services at the establishment where she works or, in the absence of one, the physician designated by the public health director for the area in which her workplace is located. Without such consultation, the certificate is not valid. The certificate is available to the worker free of charge. Breast-feeding The worker must follow the same procedure if she wishes to take advantage of this right for the period during which she breastfeeds her baby. Even if she has been granted a reassignment or preventive withdrawal for pregnancy, she must obtain a new certificate for breast-feeding. In this case, however, only hazards threatening the health of the nursing child are taken into consideration. because of reassignment to a part-time or lowerpaying job, the employer may ask the CSST to assume the difference. Withdrawal The worker may stop working if the employer cannot immediately eliminate the hazards at source, adapt or modify work conditions deemed dangerous, or reassign the worker to another job. She will receive compensation until such time as she is offered a safe job by the employer, gives birth, or finishes breastfeeding. Reassignment Once submitted to the employer, the certificate automatically constitutes an application for reassignment to a modified workstation or to a new risk-free job that the worker is reasonably able to perform. The worker continues to draw the same salary and enjoy the same benefits as those associated with her former job. If there is a discrepancy in compensation between the two jobs, 19
19 Compensation For the five working days following her temporary withdrawal from work, the worker is paid her regular salary by her employer; this amount is not refunded by the CSST. For the 14 calendar days following this initial five-day period, the employer pays the worker 90% of her net salary. This amount is refunded to the employer by the CSST. Thereafter and until the reassignment date, the birth, or the end of the breast-feeding period, the worker receives 90% of her net income 10 from the CSST. The gross income used to calculate the compensation may not exceed the maximum yearly insurable earnings. The compensation received is not taxable. When a worker exercises her right to reassignment or preventive withdrawal, the employer must notify the CSST and fill out the Reimbursement Claim for the Preventive Withdrawal or Re-assignment of the Pregnant or Breast-feeding Worker. The employer must allow the worker to return to her former job at the end of her reassignment or work withdrawal period. Any decision concerning the exercise of the right to reassignment or preventive withdrawal may be contested under the provisions of the law. 10. See the section "Some definitions." 20
20 What do you do in the event of an industrial accident or occupational disease? The employer must be advised as soon as an industrial accident occurs. It must ensure that the injured worker receives first aid promptly and, if necessary, is taken to a health establishment, a physician or home, depending on the worker s condition. The employer must conduct an investigation into the causes of the accident and take corrective measures to prevent similar events from occurring. In the event of a major accident causing serious injury or death to one or more workers, or resulting in property damage of $50,000 or more, the employer must notify the CSST immediately. 21
21 The cost of transportation for the injured worker must be paid or reimbursed by the employer. The injured worker may choose his attending physician and the health establishment where he will receive the treatment he needs. Is the worker s income protected? If the worker is unable to perform his job as the result of an employment injury, the law guarantees him financial support until he can resume his job or take on an equivalent or suitable job. In the event of a minor accident following which the worker requires first aid, but is not prevented from performing his work beyond the day he sustained the injury, there is no need to advise the CSST. The employer must pay the worker his net wages for the part of the work day he was unable to complete because of his injury. However, the law requires that the accident be recorded in a register signed by the worker. Should the injured worker be unable to resume work the following day, the CSST must be informed. The worker must provide his employer with a medical certificate. The employer must compensate the worker for the initial 14 calendar days he is unable to work and apply to the CSST for reimbursement. If the worker is absent for more than 14 days, or if he is entitled to certain benefits under the law, he himself must submit a claim to the CSST within a six-month period. The procedure to follow in the event of an occupational disease is essentially the same as that described for industrial accidents. For further information, contact your CSST regional office. The day of the accident The day of the accident, the employer must pay the worker the wages he would have earned had the accident not occurred. The portion of his wages corresponding to the hours he did not work is covered by the employer and not reimbursed by the CSST. The days following the accident If the worker s inability to work extends beyond the day of the accident, the worker must provide his employer with a medical certificate confirming that he is unable to resume his job. Upon receiving this certificate, the employer must pay him compensation during the normal pay period. During the first 14 days During the first 14 days of disability, the employer must pay the worker 90% of his net wages for the days he would have normally worked. Net wages are calculated by subtracting income tax as well as deductions for employment insurance and the Québec Pension Plan from gross wages; gross wages may not exceed the maximum yearly insurable earnings. 22
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Short-Term Disability Insurance Developed for the Employees of State of Tennessee, County of Shelby, Shelby County Government Protecting Your Family Securing Your Future As long as you've got your health.
Work Injury Compensation Act A Guide to the Work Injury Compensation Benefits and Claim Process Foreword This booklet provides a brief guide to the Work Injury Compensation Act which replaces the Workmen
Voluntary Short-Term Disability Insurance 817763 a 06/12 Developed for the Employees of Marion County - Oregon Protecting Your Family Securing Your Future As long as you've got your health. If you're physically
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of Workers Compensation Systems in Select Jurisdictions JURISDICTION: TEXAS ENVIRONMENT Population Size 19.3 million in 1997. Labour Force 8 million (1997) Demographic and Economic Indicators has enjoyed
For this plan year, the plan includes the following provisions, subject to change or discontinuation with or without notice at any time. This Summary Plan Description presents an overview of your Benefits.
UNDERSTANDING YOUR PERSI DISABILITY BENEFITS If your career is cut short because of a permanent and total disability, you may be eligible for a monthly disability benefit from your PERSI Base Plan if you
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Office of Information Technology Maine Employer s Mutual Insurance Company s (MEMIC) Rates The Bureau s website includes the following link to MEMIC s rates, charged per $100 of payroll for all classifications: