Injury Benefit
The Injury Benefit is a weekly payment made to an employed person, or a self-employed person, who suffers a job-related injury or contracts a job-related disease, and as a result of that injury or disease, is unable to work. National Insurance will pay all reasonable medical expenses of a person who suffers a job-related injury, or contracts a job-related illness for up to 40 weeks.
QUALIFICATIONS
Employed Person
There are no contribution conditions to satisfy.
Self-Employed Person
Must be registered and contributions must be current before the injury/exposure occurs.
BENEFIT RATE
The benefit is paid at a weekly rate of 66.66% of the person’s average weekly insurable income. If a person is injured before he or she was able to pay contributions, then the average weekly insurable wage used to determine the benefit rate, would be that of a person in a similar job and wage/income level.
REQUIRED FORMS
Med. 1
For Employed Persons:
-
B.44
-
Med. 4
For Self-employed Persons:
B.44
CLAIM DEADLINE
Claims must be submitted within 3 months from the date of injury.
PAYMENT PERIOD
Payable up to 40 weeks.
Disablement Benefit & Grant
The Disablement benefit is a monthly payment plus a one-time grant paid to a worker who suffers a permanent “loss of physical or mental faculty” as a result of a job related accident or disease. The loss is expressed as a percentage from one to 100. Medical care is available if the degree of disablement assessed is more than 25 percent in which case medical care can continue for two years from the day of injury. A Disablement Grant is paid if the disablement assessed is between one to 24 percent.
QUALIFICATIONS
-
Must have been injured on the job.
AND -
Missed one day of work as a result of the injury.
AND -
Must have been assessed by a Board referred Medical Referee with a loss greater than 25% at the completion of 40 weeks injury Benefit period.
BENEFIT RATE
REQUIRED FORMS
B.47
VERIFICATION
Required twice a year during the claimant's birth month and six months thereafter.
CONTINUED ELIGIBILITY
Must be alive.
The benefit is paid based on the rate of Injury Benefit the claimant would have received.
PAYMENT PERIOD
A person may return to work and continue to receive the Benefit.
Death Benefit
The Death Benefit is a monthly payment to the eligible dependents of an insured worker who died as a result of a job-related accident or illness.
QUALIFICATIONS
The benefit is paid as a monthly pension to dependents in the following priority order:
-
widow/widower
-
unmarried children
-
orphans
-
parents
BENEFIT RATE
VERIFICATION
Required twice a year during the claimant's birth month and six months thereafter.
CONTINUED ELIGIBILITY
Children must be unmarried and if over the age of 16, must still be in school. Widow/widower must remain unmarried.
The benefit is paid at a weekly rate of 50% of the rate of the deceased worker’s Injury Benefit entitlement for widows, widowers or parents.
For dependent children, the benefit is paid at 10% of the deceased worker’s Injury Benefit entitlement.
PAYMENT PERIOD
Payment continues as long as all eligibility criteria are met.
Industrial Funeral Benefit
The Industrial Funeral Benefit pays a cash grant of to assist with the funeral expenses of a person who dies as a result of a job-related accident or illness. This cash payment is made to whoever pays for, or is liable to pay for the funeral of the deceased worker.
QUALIFICATIONS
There are no contribution requirements attached.
BENEFIT PERIOD
This is a one-time cash payment.
BENEFIT RATE
The cash grant is currently $1,960.00.
REQUIRED FORMS
B.51
ELIGIBILITY
This payment is made to whoever pays for, or is responsible to pay for the funeral of the deceased worker.
CLAIM DEADLINE
Claim must be submitted within 6 months of the deceased person’s death.