Employment Injury Benefit is paid to insured persons (including the self-employed) who are in capable of work due to a work-related injury or disease. Benefits included under Employment Injury are Disablement, Constant Attendance, Medical Expenses, Injury, Funeral and Death.
It is mandatory for all employers to contribute 1% of insurable earnings on behalf of all employees (regardless of age) for Employment Injury coverage. Self-employed persons age 60 and over are required to contribute only 1%.
Important steps in claiming Employment Injury Benefit:
Injury Benefit is paid to insured persons during any period where they are unable to work as a result of an injury or disease sustained on the job. It is paid at a rate of 70% of average weekely insurable earnings. Injury Benefit is paid up to a maximum period of 52 weeks from the date of incapacity. After that period, if the incapacity continues a medical doctor must re-assess the disability to determine eligibility for a Disablement Benefit.
Medical Expenses - An insured person is entitled to a 100% refund of expenses reasonably incurred in the treatment of a job relatedinjury or disease.
What payments are made?
When claiming Medical Expenses all original receipts for medication, doctor’s fees, travelling, hospitalization etc, must be submitted with the claim form. Details of the nature of treatment which was received must be indicated on the form.
The Board may pay directly to a Medical Practitioner or Institution instead of refunding the insured person.
Disablement Benefit is paid to a person who has exhausted his or her entitlement to Injury benefits and suffers from a loss of physical or mental faculty which amounts to 1% or more.
The benefit may be paid as a Pension or a Grant, depending on the Doctor’s assessment of the degree of disablement. Thirty percent (30%) or more is equivalent to a Pension and less than 30% is equivalent to a Grant.
The rate of benefit is 70% of the average weekly insurable earning times the percentage degree of disablement.
Constant Attendance Benefit - where a Disablement Benefit is paid and the degree of disablement is 100% and the Director is satisfied that as a result of the relevant loss of faculty the beneficiary requires the constant attendance of another person, the rate of disablement pension shall be increased by 50%.
No such increase shall be payable in respect to a period for which the beneficiary is receiving medical treatment as an in-patient in a hospital or in a similar institution.