Guide to Workers Compensation

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Workers compensation insurance covers workers injured or ill due to occupation related activities. The compensation scheme ensures prompt and fair protection by channelling the necessary insurance benefits.

It goes on to promote the rehabilitation of workers and their families, thus it generally aims to guarantee the workers’ welfare regarding safety and health.

In a number of cases the government is in charge of paying the insurance benefit, simply called employment insurance or labor insurance. Essentially, it aims to provide a benefit if an accident happens to the insured. There may be a benefit provided for hospitalization, permanent disability or death.

A number of events are covered and these include (variations exist by country or program); wound infection, poisoning from use/ingestion of poisoned food, drink or other substances, diseases caused by involuntary fall into water or other liquid or attempt to save human or animal.

Drowning, suffocation, freezing, heat stroke, sprain, dislocation, muscle rupture, complications and exacerbations after an accident resulting from first aid or medical treatment.

The consequences of an accident to be insured are laid out in four separate sections. The insured can choose within limits, the required sum assured per section.

Category A provides for a lump sum at death, category B provides a lump sum for permanent disability. The amount of benefit depends on the degree of disability. Category C provides a periodic payment of temporary disability, and Category D provides daily allowances for hospitalization.

Workers are entitled to disability compensation pension or invalidity pension, first degree disability will be grounds for such compensation. As long as you are unable to physically carry out your duties, or require occasional nursing care, compensation will be paid while receiving the care.

Special allowance will be paid in addition to insurance benefits, in the form of invalidity special payment, invalidity special pension, special disability pension, special payment survivor and special survivor annuity. As well as child care assistance costs covering various needs such as school fees, and rehabilitation for treatment of victims of industrial accidents.

If a worker dies due to work or commuting accidents, survivors eligible for the pensions are paid lump-sum payment. Insurance events are divided into three sections, that is, workers injured or killed at work, workers injured or killed while commuting and other secondary benefits such as health related complications.

Industrial accident insurance benefits are outlined as medical benefits, disability benefits, survivor benefit, funeral benefits, injury benefit and care benefit.



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