An Employment Injury Benefit is payable to an insured person who suffers personal injury by accident arising out of and in the course of employment, or who contracts an occupational disease. There is no minimum contribution requirement for this benefit. The injury or disease must be certified by a medical practitioner.

This benefit provides protection through three types of payments:

Injury Benefit (Temporary): The Injury Benefit is paid at a rate of 60% of average weekly insurable earnings after a 3-day waiting period. The benefit is payable for a maximum duration of 52 weeks from the date of the injury.

Disablement Benefit (Permanent): Where an insured person suffers permanent incapacity as a result of a workplace injury, the degree of disablement is assessed by a medical board. The rate of benefit varies based on the percentage of disability as outlined in the schedule of assessments.

Death Benefit: Where a workplace injury results in the death of an insured person, a Death Benefit is payable to the dependents of the deceased. A funeral grant of $2,860.00 is also provided.