Who We Are

Workers’ compensation insurance is a provincial responsibility. Each Canadian province and territory has its own workers’ compensation legislation. All compensation systems are based on an historic compromise dating back 100 years. In that compromise, employers agreed to cover the costs of workers’ compensation insurance and benefits, and in return received protection from civil lawsuits when an injury occurred. In return for giving up their right to sue an employer if they were hurt on the job, workers received a guarantee of benefits – including wage loss.

What are the Meredith Principles?

They can be expressed in different ways. However, there are five basic concepts that underline most workers’ compensation legislation in Canada today.

  1. No-fault compensation, which means workers are paid benefits regardless of how the injury occurred. The worker and employer waive the right to sue. There is no argument over responsibility or liability for an injury.
  2. Security of benefits, which means a fund is established to guarantee funds exist to pay benefits.
  3. Collective liability, which means that covered employers, on the whole, share liability for workplace injury insurance. The total cost of the compensation system is shared by all employers. All employers contribute to a common fund. Financial liability becomes their collective responsibility.
  4. Independent administration, which means that the organizations who administer workers’ compensation insurance are separate from government.
  5. Exclusive jurisdiction, which means only workers’ compensation organizations provide workers’ compensation insurance. All compensation claims are directed solely to the compensation board. The board is the decision-maker and final authority for all claims.

These principles are a historic compromise in which employers fund the workers’ compensation system, and injured workers in turn surrender their right to sue their employer for their injury.

These principles are the foundation upon which the majority of Canadian workers’ compensation legislation is built.
View the ‘Meredith Report’.

To learn more about the history of workers’ compensation in Canada, view this video: