All workers in BC are part of a special arrangement made a long time ago between the Government and Employers.  Under this arrangement, an employee may not sue an employer in the Courts.  The Courts have no jurisdiction in matters of workplace injury.  In return, all workers are covered automatically through WCB, and the Employers must pay premiums for the insurance coverage.  The workers give up the right to sue the employers, but in return get mandatory insurance coverage.  To obtain benefits, once a worker is injured, they have to make a claim with WCB and go through the adjudication process to determine the legitimacy of their claim, possibly to rehabilitate their injury and to be retrained for different work.  If no other options are possible, the worker can eventually get to a place where they receive pay-out for their injury and/or pension in lieu of employment, where the worker will receive wage replacement benefits from WCB approx 90% or more of their pre-injury salary.  However, WCB does not generally include losses of benefits or pensions.