Social Security Board

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Employment Injury

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Employment Injury

Employment Injury refers to a situation in which an employee is rendered incapable of work or suffers loss of faculty arising from an injury or prescribed occupational disease occurring during the course of and, or, as a result of circumstances related to employment.

N.B.

THERE IS NO CONTRIBUTION CONDITION FOR EMPLOYMENT INJURY BENEFIT. IT MAY BE PAYABLE FROM THE FIRST DAY THAT THE PERSON REPORTED FOR WORK.

SELF-EMPLOYED PERSONS CANNOT AVAIL THEMSELVES OF EMPLOYMENT INJURY BENEFITS BUT CAN CLAIM SICKNESS BENEFIT WHERE IT IS CLAIMED THAT THEIR INABILITY TO WORK RESULTED FROM INJURY ON THE JOB.

 

The Benefits provided under the Employment Injury include:

  • Employment Injury
  • Disablement
  • Death Benefit
  • Medical Expenses

Employment Injury Benefit

Qualifying Conditions

  • any insured person who is in employment.
  • who is incapable of work due to injury sustained in or during the course of employment

When to Claim

A claim should be submitted within 10 days from the date you are examined by a doctor.

An Injury Benefit will only be paid if the injury lasts for more than 3 days, excluding Sundays.

Amount of Benefit

The insured person will be paid seventy-five (75) percent of the average weekly wage up to a maximum of twenty-six (26) weeks of incapacity for work.

Disablement Benefit

Who Qualifies

  • any person who suffered the partial or total loss of any physical or mental faculty as a result of a job-related accident or disease.

If the disability if assessed at more than one percent (1%) but less than twenty percent (20%) the benefit will be paid as a GRANT, while a person with assessed disability of twenty percent (20%) or more, will be paid a PENSION.

Disablement Pension is payable for life if there is permanent loss of faculty.

In the case of temporary disablement, the benefit is payable or as long as the disability lasts up to a maximum of three hundred and sixty-five week (365).

Amount of Benefit

The maximum rate of Disablement Benefit based on total disability is 75% of the average weekly wages.

N.B

Assessment of partial or total loss is made by the Social Security Medical Board in accordance with the table of prescribed degrees of disablement.

Death Benefit

Who Qualifies

  • Certain dependants of an insured person who died as a result of an accident on the job or as a result of a job-related prescribed disease.

Dependants who may qualify include

    • Widow
    • Widower
    • Children/Dependant Parent
    • A parent or both Parents

Amount of Benefit

Widow or widower One half of 75% of the average weekly wage of the deceased insured person.- One half of the pension of the deceased insured person had he/she suffered permanent total disablement.
A Child One sixth of 75% of the average weekly wage of the deceased insured person.
A parent or both parents One-sixth of 75% of the average weekly wage of the deceased insured person.

N.B.

REGARDLESS OF AGE, PENSION IS PAYABLE UNTIL DEATH, UNTIL REMARRIAGE OR CO-HABITATION.

When to claim

A claim for Death Benefit should not be made no later than three (3) months after the death of insured person.

Medical Expenses

Who Qualifies

  • Any employed person who is injured or contracts a disease connected to his/her working conditions and needs medical care

N.B.

The Medical Board of the Social Security Board would determine the assessment of whether or not the disease is in connection with the working conditions of the insured person.


Amount of Benefit

Reasonable expenses may be reimbursed for doctors’ fees, medication, hospitalization, traveling, constant care and other specified cost incurred as a result of the injury/disease.

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