Employment Injury Benefits
Employment Injury Benefit is payable to all employed persons, female between 18 and 65 years and male between 18 and 70 years, if they are injured during the course of the insurable employment or develop a prescribed disease attributable to the nature of the insurable employment.
There are three (3) exceptions are:
Members of the Jamaica Defence Force, and
A contributor who is submitting a claim for employment injury benefit must have suffered a personal injury caused by an accident on the job, or developed a prescribed disease from the type of work he/she does. These diseases are listed in the National Insurance (Prescribed Diseases) Regulations of 1970.
There are several categories of Employment Injury Benefits, namely:
1. Medical Treatment
a) Offered by Government hospitals, including the University of the West Indies and approved private medical clinics, which are operated by the employer and approved by the Minister for the purpose of National Insurance;
b) Treatment by a medical doctor;
c) The provision of dressing, drug and similar products;
d) Medical and surgical appliance necessary for rehabilitation.
2. Weekly Cash Award for Employment Injury Temporary Incapacity
Payable for any continuous period of four days or more during which the insured, as a result of the injury or disease, is incapable of working within the period of 52 weeks commencing on the date of the accident or the development of the disease.
3. Employment Injury Disablement Pension
This benefit is payable to an insured person who is unable to work after being paid Employment Injury Temporary Incapacity Benefit up to the period of 52 weeks or who is suffering from some degree of disablement as a result of employment injury and whose disability is assessed between 10 and 100 percent by a Medical Board appointed by the Minister.
4. Employment Injury Death Benefit
This benefit is payable for 52 weeks to a spouse whose husband died as a result of an accident arising out of his insurable employment or the development of any prescribed disease. If there is no spouse or if the deceased was a woman, the Minister may approve payment of the benefit to a dependent mother aged 55 years or a person caring for any child of the deceased under 18 years.
Applications for employment injury death benefit must be made within three (3) months from the date of death.
Application for an employment injury benefit should be accompanied by:
Interim Report of Accident (EM1) – available at the workplace and is to be completed by the Supervisor;
Questionnaire on Accident (EM8) – available at the workplace is to be completed by the Supervisor;
Medical Certificate (EM2) – available at the Doctor’s office and is to be completed by the Doctor;
Delayed Claim (BE6) – available at the NIS Parish Office and is to be completed by the applicant if the claim is submitted later than 10 days after the accident;
Request for Evidence of Incapacity (EM6) – available at the NIS Parish Office and is to be completed by the applicant if he/she was not examined by a Doctor within 3 days after the date of the accident;
Station Diary Report – available at the workplace of applicant if it is an organization where daily reports are recorded, for example, Police and Fire Stations;
The EM1 Form when completed must be taken to the Doctor in order to obtain the EM2 Form.
Additional documents are required to support claim for Employment Disablement Benefit. These are:
Employment Injury Disablement Forms (EM101 or EM102) – available at the National Insurance Parish Office;
Medical Certificate (EM2)– available at the Doctor’s office and to be completed by a Doctor;
Additional documents are required to support claim for Employment Injury Death Benefit. These are:
a) Employment Injury Death Benefit Form (EM201) – available at the National Insurance Parish Office;
Death Certificate or Medical Certificate of Cause of Death.
N.B. All claims for Employment Injury Benefit are to be filed within ten (10) working days of the date of injury or the development of the disease. Claims cannot be processed without the submission of the Medical Certificate or EM2 Form.
To download and print Invalidity benefit claim form click here