Workplace Safety and Insurance coverage during co-op work terms

Please note: The information below is meant for general purposes only and is not legal advice. The University does not guarantee the accuracy, completeness or adequacy of the information provided.

Workplace Safety and Insurance Board (WSIB)

The WSIB runs a no-fault insurance system covering many Ontario workplaces for work-related injuries or illnesses. Under the Workplace Safety and Insurance Act, student workers can receive benefits if their employer pays WSIB premiums, promoting safe returns to work and workplace safety.

Workplace Safety and Insurance Board coverage begins on your first day of work. Once you’re on the payroll, your earnings are reported to the WSIB. Your employer handles all premium payments.

Injuries while on a work term

Focusing on health and safety reduces the risk of injuries and illness. So, it’s important to discuss any health and safety concerns with your employer at the start of the work term.

If you’re injured on the job, you can submit a claim to the WSIB. Claims are submitted when health care is sought or time is lost from work. When a claim is approved, WSIB may provide coverage for medical treatment, some type of wage replacement and support for recovery. You must report the injury to your employer and the University. The co-op employer will ensure first aid and immediate medical care are provided (as needed). 

Making a claim

If you’re injured in the workplace:

  • Notify the co-op employer and your co-op co-ordinator.
  • Employers are penalized for delays in reporting to WSIB, so report workplace injuries to your employer immediately.
  • Your co-op employer must complete a Form 7 to cover your additional health care or time lost.

The following industries are exempt from mandatory WSIB coverage:

  • Banking
  • Insurance
  • Private health care (e.g., dental offices)
  • Private daycares
  • Travel agencies
  • Trade unions
  • Private clubs
  • Professional offices (e.g., lawyers, accountants)
  • Funeral directing and embalming

Organizations in these industries don’t have to provide alternate coverage for their employees. However, if they have no coverage, an injured employee can sue the organization.

Additional information based on your work term

If you have any questions about Workplace Safety and Insurance coverage during co-op work terms, send us an email.