Employment Injury

These are benefits that are payable as a direct consequence of an occupational hazard. They include:

Employment Injury Benefit

This is a benefit payable to an Insured person as a result of an injury sustained on the job, or an occupational disease directly attributed to the job. The benefit is generally paid for a short duration of time (not exceeding 26 weeks), and is meant to partially replace employment income lost as a result of temporary absence from work. Qualifying claimants are paid a maximum of 75% of their Average Income during the period of time that they are medically certified to be incapable of work.

Following are the requirements which must be satisfied for an Insured Person to qualify for Employment Injury Benefit:

  • He must present a Medical Certificate stipulating the nature of his injury as well as the number of days for which he will be incapable of work;
  • An Employment Injury Form must be completed by the Employer of the Claimant.
  • He must have been in insurable employment when injury was sustained.
  • He must not have engaged in any activity which could result in the disqualification of his claim.

All Claims for Employment Injury benefit must be submitted to the MSSF within 15 days from the date of issue of the Medical Certificate, and the Employer Certificate.

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Disablement Benefit

Disablement Benefit is payable to an Insured person who has exhausted his entitlement to Employment Injury Benefit (which is payable for a maximum period of 26 weeks), and is payable for the duration of the disability. In order to qualify for Disablement Pension the insured person must satisfy the following conditions:

  • He must present a medical report in support of his claim;
  • An MSSF Ivalidity Benefit Form must be completed by the Claimant;
  • His degree of disability must be medically certified as being no less than 30%;
  • He must not engage in any activity which could result in the disqualification of his claim.

All Claims for Disablement benefit must be submitted to the MSSF within 3 months from the date on which the Claimant became entitled to it.

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Disablement Grant

Where at the expiration of payment of the Employment Injury Benefit, or anytime thereafter, the Insured person is medically assessed as being less than 30% disabled as a result of the relevant incapacity, a disablement grant is payable.

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Medical Expenses Benefit

Medical Expenses Benefit is a refund of medical expenses incurred by an Insured person in relation to a particular Employment Injury. The maximum Medical expenses refundable is $6,000.00.

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