Learn the two types of WCB coverage individual taxi drivers can have in Saskatchewan, when coverage is automatic and when taxi drivers need to apply for WCB coverage.
All taxi drivers in Saskatchewan can get WCB coverage. The type of coverage for individual taxi drivers depends on the arrangements the driver has made with the taxi company or the owner of the taxi.
All taxi companies are required to provide coverage for dispatchers, clerical and administrative staff. For taxi driver coverage, there are several factors that must be considered to determine whether taxi drivers are independent workers, or whether they are regular workers of the taxi firm. This includes the ownership of the vehicle, how the drivers are being paid, and whether the driver hires a relief driver.
There are two ways taxi drivers can get WCB coverage.
Most taxi drivers in Saskatchewan may be eligible to purchase optional personal coverage with the WCB. If optional personal coverage is not purchased by a taxi driver, there may not be any WCB coverage in place if a work injury happens.
Optional personal coverage is for individuals not automatically covered under The Workers’ Compensation Act, 2013 (the Act). When personal coverage is purchased, the applicant becomes a worker and is eligible for benefits under the Act.
If you are injured at work, the WCB may be able to help you provide for your family. When you purchase WCB optional personal coverage, you may qualify for benefits if you are injured at work.
With optional personal coverage:
You can purchase optional personal coverage for any amount between the minimum personal coverage amount and the maximum assessable wage rate. The taxi industry falls under the S23 industry premium rate code. Learn about premium rates and how they’re set. The annual premium rate is how much you would pay per $100 of coverage.
In the event of an injury, you will be required to provide proof of earnings if the amount of coverage you requested is higher than the minimum. Therefore, the amount of coverage purchased should reflect your employment income.
If your actual earnings are less than the amount of coverage you have purchased, we will reduce your coverage to the confirmed amount. Your premiums are non-refundable, so please make sure you choose an amount that is no more than your actual earnings. For example, if your annual earnings are $30,000, you may request coverage anywhere from the minimum amount up to $30,000. Your premiums will be calculated as your elected coverage amount x your annual premium rate/100 = cost for the full year.
Your personal coverage takes effect at 12:01 a.m. the day after we receive your request for coverage, or at a later date if specified.
Coverage is subject to a minimum of three months each year.
To cancel coverage, you must send a request in writing. Coverage will be cancelled the day we receive your request and you will be responsible for premiums to the date of cancellation.
If you are:
Employer services department
For general inquiries, contact us.
Employer Resource Centre
For questions on your worker’s injury claim, contact us.
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