The Employment Injury Benefit provides insured persons with financial support in the event of injury, disablement, medical expenses and death arising out of job related accidents or industrial disease (disease related to the job).
Persons are entitled to this Benefit from the time they are employed. Therefore, the contribution qualifying condition does not exist under the Employment Injury Benefit.
The survivors of persons who die as a result of disease will be eligible to receive benefits. Unlike the other NIS benefits the insured person will be able to name a beneficiary. Only in the event of a single insured man or widower who could register one single woman or a widow with whom he lives or a single woman (vice versa). Please note, however, that this must be registered and could be cancelled at any time by the wish of the insured person.
It is mandatory for employers to insure all employees, regardless of age, against employment injury.
Contributions of .5% of insurable earnings are paid into the Employment Injury Programme by the employer.
The following benefits are payable under the Employment Injury Benefit Branch:
This is a weekly payment to an insured person while he/she is incapable of work as a result of an employment accident or a prescribed disease. Injury Benefit is paid up to a maximum period of 26 weeks, as long as the incapacity exists. The daily rate of Injury Benefit is 70% of average weekly insurable earnings of insured person divided by 6.
Payment is not normally made for the first 3 days of incapacity for work. These are treated as “waiting days”, as in the case of Sickness Benefit.
This benefit is payable to an insured person who, following the end of the period for which injury benefit is payable, is suffering from a loss of physical or mental faculty as a result of an employment accident or a prescribed disease. The benefit may be either a Pension or Grant.
If the disability is a loss of 30% or more of physical or mental faculty then a Pension is paid. The pension is paid for life or until the disability ceases. If the disability is a loss of less than 30% of physical or mental faculty then a Grant is paid. This will be a lump sum payment.
An addition al allowance known as “Constant Attendance Allowance” may be paid to an injured person whose disablement is 100% and who requires the constant help of another person. This allowance is equal to one-half (50%) of the Disablement Pension and will be paid for 260 weeks following the date of the disablement. It will not be paid if the person is institutionalised.
A person qualifies for a refund of expenses reasonably incurred in the treatment of an employment injury or a prescribed disease. Reasonable expenses include the cost of medicines and traveling reasonably incurred in the treatment of an employment injury or prescribed disease. 80% of the total expenses will be refunded.
A payment of $4,525.00 is paid to assist with the funeral expenses of the worker whose death results from an accident at work or prescribed disease. Please note that where death results from employment injury only one funeral grant is paid.
Death Benefit is payable to the dependants of a person who dies as a result of an employment accident or a prescribed disease, in the following order of priority:
This Benefit is payable to the dependants of the deceased person as follows: