Disability / Work Injury Benefit
Work injuries are divided into three categories: (i) permanent incapacity (ii) temporary incapacity and (iii) fatal injury leading to death of a worker.
If the employee is assessed with a total disability, a lump sum of 60 months of the insured worker’s monthly earnings is paid. If the employee requires the constant attendance of others to perform daily functions, up to 25% of the permanent disability benefit is to be paid as constant attendant allowance. For partial permanent disability, a lump sum of 60 months of the employee’s monthly earnings multiplied by the assessed degree of disability is paid.
For temporary disability, 66% of the difference between the employee’s monthly earnings before the work injury occurred or the occupational disease began and the employee’s monthly earnings (actual or potential) afterwards is paid for up to six months. This may be extended for an additional three-month period of up to 24 months with the approval of the Commissioner for Workmen's Compensation. A lump sum can also be paid under certain circumstances.
Where the employee has passed away due to his injuries, the compensation which is payable to or for the benefit of the worker, will be payable to the deceased worker’s dependents. A lump sum of 48 months of the employee’s monthly earnings minus funeral costs is paid to dependent survivors. However, a reduced benefit is paid to survivors who were only partially dependent.
Source: §18, 19 of the Workers Compensation Act
