Mandatory Workplace Injury Insurance for Care Homes

Summary#

Bill 8, the WSIB Coverage for Workers in Residential Care Facilities and Group Homes Act, 2025, would amend Ontario’s Workplace Safety and Insurance Act, 1997. Its stated goal is to bring employers in the named industries into Schedule 1 of that Act.

  • Public and private employers in residential care facilities—including retirement homes, rest homes and senior citizens’ residences—would be Schedule 1 employers.
  • Employers in group homes would also be Schedule 1 employers.
  • The bill does not set out changes to benefit levels, claims rules or a process for workers to apply.
  • If passed, it would come into force six months after Royal Assent.

What it means for you#

  • Employers in the named industries: The bill would require them to be treated as Schedule 1 employers. The supplied material does not include the parent Act, so the specific duties and costs attached to that status cannot be verified here.
  • Workers in those facilities and homes: The bill appears intended to extend the Schedule 1 framework to their employers. It does not spell out individual coverage rules or change benefit amounts in its text.
  • Other employers and workers: The bill does not directly change their status under the Act.

Money#

No publicly available information.

  • The bill does not state a cost estimate, premium amount, or funding source.
  • It assigns Schedule 1 status to the named employers, but the supplied material does not include the parent Act’s rules on what that status requires or costs.

What is unclear#

  • The parent Workplace Safety and Insurance Act, 1997 was not supplied, so the current Schedule 1 rules and the specific effects of the new status could not be checked.
  • The bill does not define “residential care facility” or “group home,” beyond listing some examples of residential care facilities.
  • It does not explain how the change would apply to employers whose activities fit more than one category.
  • The bill does not provide details about worker eligibility, claims, benefits, employer premiums, or oversight.
  • The bill’s current status is not stated in the supplied material.

Case for#

  • A possible argument for the bill is that workers in residential care facilities and group homes would have employers placed under the same Schedule 1 framework.
  • The bill names both public and private employers, which could avoid treating those employers differently based on ownership.
  • The delayed start—six months after Royal Assent—would give time before the change takes effect.

Case against#

  • The bill does not explain the costs that Schedule 1 status could bring for employers or how those costs would vary across the named industries.
  • Its key categories are not fully defined, leaving uncertainty about which employers are included.
  • The bill does not set out how the status change would affect individual workers’ coverage, claims or benefits.