Work Injury Benefits

Overview

The Work Injury Benefit Act Insurance is a statutory benefit cover; all employers must obtain and maintain this policy in respect of their liability. It aims to cover all employees from injuries incurred while at work or on work assignments. Coverage extends over accidental injury, death and disablement but does not compensate staff for deliberate and willful injury misconduct. Get a free consultation or quote today.

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Scope

  • WIBA provides compensation to employer for work related injuries and diseases contracted by employees in the course of their employment or connected purposes.
  • This is a ‘no fault act’ and therefore negligence need not be proved against employers, just confirmation of the event e.g. disease or injury and damages accrue.

Coverage Benefits

Payable to beneficiaries in the event the insured dies due to the injury.

This is given to employees who suffer temporary or total disablement that incapacitates him/her for three or more days and renders them unable to perform their normal functions/roles.

The employee is compensated for any expenses reasonably incurred in an accident and covering dental care, hospital treatment, surgical dressings, drugs, skilled nursing services, traveling and subsistence as well as supply, maintenance and replacement of artificial limbs, clutches and other medical aids.

The employer is liable to pay reasonable expenses to cover for funeral expenses.

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