Thursday, August 14, 2008

The Employment Injury Insurance Scheme of SOCSO

The Employment Injury Insurance Scheme of SOCSO provides protection to employees who suffer from accidents arising from work.

Its coverage includes:

  • Commuting accident while travelling to and from work, and while travelling to and from place for taking meals during work, and also during business journey related to work.
  • Accident that happens while performing official duty.
  • Occupational diseases due to hazards by the nature of work and those listed in the Fifth Schedule of the Employees' Social Security Act 1969.
The benefits provided include:
  • Medical benefit - free treatment under the coverage at a SOCSO Panel Clinic or any government hospital or clinic. Reimbursement for medical expenditure incurred at a non SOCSO Panel Clinic may only be submitted for consideration.
  • Temporary Disablement Benefit - employee who has been certified by a doctor to be unfit for work for not less than 4 days including the day of the accident is eligible for this benefit. This benefit will be paid for the period the employee is on medical leave.
  • Permanent Disablement Benefit - employee who has been certified by a Medical Board or an Appellate Medical Board to be suffering from permanent disablement as a result of an employment injury is eligible for this benefit. The employee may continue to work while receiving this benefit.
  • Constant Attendance Allowance - this allowance is paid to an employee who is suffering from permanent total disablement or 100% loss of earnings capacity, and is so severely incapacitated that he constantly requires the personal attendance of another person.
  • Funeral Benefits - where an employee dies as a result of an employment injury or while receiving disablement benefit, an amount of RM1,500 will be paid to the eligible next-of-kin.
  • Rehabilitation Benefit - SOCSO provides facilities for vocational and physical rehabilitation free of charge to employee who suffers from permanent disablement.
  • Dependant's Benefit - Where an employee dies as a result of an employment injury, the dependants are entitled to this benefit.
  • Education Benefit - this benefit comes in the form of a loan or scholarship given to dependant children of an insured employee who is in receipt of a monthly benefit, provided that the dependent children fulfil the eligibility conditions set by SOCSO.

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