Disability / Work Injury Benefit
A worker is eligible for work injury benefit if a work related injury results in permanent incapacity or an incapacity lasting at least three consecutive days that results in the loss of earnings. If a worker is eligible for workers compensation/ work injury benefit under the Workers' Compensation Act, the employer has to defray all the reasonable costs associated with medical expenses, transport expense and other incidental expenses.
Work injuries are divided into four categories: (i) permanent total incapacity (ii) permanent partial incapacity (iii) temporary incapacity and (iv) fatal injury leading to death of a worker.
In the case of permanent total incapacity, amount of compensation paid to the worker is a lump sum equal to 60 months' earnings. If the insured requires the constant attendance of others to perform daily functions, 25% of the lump-sum benefit (but not less than a predetermined minimum) is paid.
In the case of permanent partial disability, amount of compensation depends on the assessed degree of disability.
In the case of temporary disability, amount of benefit depends on circumstances of accident, assessed degree of disability, loss of earnings and estimated duration of incapacity. The benefit is paid up to 96 months either periodically or as a lump sum amount. The duration of benefit may be extended depending on a medical examination.
In the case of fatal injury, the full benefit (60 months of earnings) minus 50% of the value of any disability benefits paid to the insured for the same accident before his or her death is paid to the survivors/dependents of a worker. The full benefit is paid to fully dependent survivors. Expenses related to medical care provided to the deceased and the cost of the funeral is paid by the employer if there are no dependents.
Source: §3-7 of the Workers' Compensation Act 2000