Employment Injury Benefit

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:

  • Injury Benefit.
  • Disablement Benefit
  • Constant attendance allowance
  • Medical Expenses
  • Funeral Grant
  • Death Benefit

 

INJURY BENEFIT

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.

HOW TO CLAIM INJURY BENEFIT
  • Employees must report the accident to your employers or someone in authority as soon as possible.
  • Employers are required to investigate the circumstances of the accident and submit a written report to the Board within 10 working days.
  • Employees should visit their doctor immediately, or go to the hospital to get the Medical Report Form certified.
  • Employees are required to complete and sign the Claim Form and submit it to the NIS office within 15 days from the date of the accident or development of the disease.

 

DISABLEMENT 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.

 

CONSTANT ATTENDANCE ALLOWANCE

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.

 

MEDICAL EXPENSES

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.

 

FUNERAL GRANT

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

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:

  1. Widow/Widower
  2. Unmarried children including adopted children, stepchildren and illegitimate children under 16 years or up to 21 years if in full-time education.
  3. Any other person including children, not qualifying under (2) and whom the Executive Director adjudges to be a dependent.
  4. Any named beneficiary who does not qualify under any of the above.

This Benefit is payable to the dependants of the deceased person as follows:

  • Widow/Widower/Common Law Spouse: 50% of the Benefit for payment.
  • Children (Under 16 or 21 if still in school: including legitimate/illegitimate, adopted and step children who were nurtured by deceased – 16.66%of the benefit available. Invalid children will receive 33.33% of the available benefit.
  • Other dependant – 16.66% of the available benefit