Is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee’s right to sue his or her employer for the tort of negligence.
- Class I: employees engaged in administrative functions/ sales persons within the business premises.
- Class II: sales persons dealing with travelling, cashiers, accountants dealing with cash or similar functions.
- Class III: drivers, security staff, factory workers, workers employed in construction work, construction engineers or employees doing similar jobs.
- Class IV: employees working in premises dealing with/ engaged in activities or processes and or producing hazardous goods.
- Income benefits (other than impairment income benefits) replace a portion of any wages you lose because of a work-related injury or illness. Income benefits include temporary income benefits (TIBs); impairment income benefits (IIBs); supplemental income benefits (SIBs); and lifetime income benefits (LIBs).
- Medical benefits pay necessary medical care to treat your work-related injury or illness.
- Burial benefits pay for some of the deceased employee’s funeral expenses to the person who paid the funeral expenses.
- Death benefits replace a portion of lost family income for eligible family members of employees killed on the job.
When purchasing workers’ compensation insurance, an employer is buying the following protections:
- Medical services needed to treat the job injury or illness
- Temporary disability payments to the employee to help replace lost wages
- Permanent disability payments to the employee to compensate for permanent effects of the injury
- A death benefit for the employee’s survivors in the event of a fatal injury
- Legal representation for the employer by the insurance carrier
- Protection for the employer against most lawsuits for on-the-job injuries/illnesses
- Employers liability
A product for employers that protects them from major financial loss if a worker experiences a job-related injury or illness that workers compensation doesn’t cover. Employer’s liability insurance can be packaged with workers compensation insurance to further protect companies against the costs associated with workplace injuries, illnesses and deaths that aren’t covered under workers compensation. Employer’s liability insurance is also called “part 2” of a workers’ compensation policy.
It provides an indemnity to the insured for legal liability for;
- Damages (including claimants costs and expenses) in respect of bodily injury to death, diseases or illness sustained by any person under a contract of service with the insured.
- And caused during the period of insurance
- Arising out of and in their employment by the insured
- In connection with the trade or business
- Occurring within the certain territorial limits
- Work related injuries only
- Hours of coverage
- Amount of cover
CLAIMS?
What should you do in case of qualified accidental injuries?
- Report to employer immediately
- Stay safe and go for treatment from recognized medical practitioner
- Keep ALL your medical treatment records for processing the claim – receipts/prescriptions /X-Rays etc…
- Sign the claim from for compensation provided by the employer
- Follow up on your claim with employer to obtain the assessment for compensation from labour office
- Fill in the “Notification of Accident” on prescribed form from Department of Labor
- Report to the Department of labour by submitting the form immediately after the accident has been reported by the employee
- Make sure you receive the following set of filled forms from Labour office after assessment:
- Notification of accident
- Medical Report
- Labour assessment
- Agreement form signed by the labour office and respective employee
- Attach all those mentioned forms together with the insurer’s claim form for compensation from insurance company
- Will collect all supporting document and make the necessary assessment as per statue
- After assessment , will inform the employee, if satisfied both the employee and labour office , will sign the agreement form
- The set of completed the forms will be submitted to the employer for payment of compensation and claim form insurance company
NB:Assessment is mostly base on accident which may result into:
Temporary disability lasting for more three days consecutively
Or permanent disability or death
