Last article pointed outlined the level of coverage obtainable under the Employment Injury Benefits package, and we saw how affordable the contribution payment is and how extensive the coverage is. This week, in this final episode, we will provide some further details of these benefits. If as a result of a workplace incident, a worker is left disfigured or disabled, this potentially gives rise to several payments. First, and for a period not exceeding 26 weeks, compensation in the form of wage replacement is given (at 75%). If there is no loss of body parts, but the incapacity/ailment continues beyond 26 weeks, compensation is payable at the rate of 40% replacement (down from 75%) and continues until our Medical Board decides. If the incident results in a disablement that is less than 20% disablement, a grant becomes payable after the wage replacement period has expired. If the disablement is 20% or greater, then a pension is payable. The insured person in receipt of such a pension can continue to work. The disablement index is set out in Schedule 3 (regulations 36, 39 & 40) of SR&O No 28 of 2002. Payment can range from full (100%) disablement for loss of both limbs, total paralysis and for blindness, to 1% for the loss of a finger tip or toe tip. Total deafness is compensated at 70%, while blindness is also rated at 100%. Where the disablement is total, i.e. loss of both arms or of both legs, a constant care allowance also becomes payable. The amount is fixed in accordance with nurse’s wages after consultation between our Director and the Medical authorities. Another payment that is available is that of re-imbursement of medical expenses, including medical evacuation if the injured insured person has to undergo treatment overseas. This is limited to $25,000.00. Furthermore, the allowable procedures are set out in the legislation (Eighth Schedule) and include hospitalization, recuperative therapy and prostheses. Where the incident results in death of the insured, the survivor becomes entitled to a burial grant of $4,000.00 (not the standard $2,500.00). Survivor benefit to the spouse, children and parents of the deceased is also payable and is referred to as a death benefit. One of the greatest aspects of the Employment Injury Benefits branch of Social Security is that there is no age limit to it. It is applicable to persons under 16 and over 62 once they remain in the workforce. That is why, even so-called volunteer workers are well advised to ensure that they are covered. In the interest of full disclosure, we must establish that even as there are rules of engagement, there are also rules that allow disengagement, where Social Security must distance itself from certain activities. To begin with, the law makes certain benefits mutually exclusive. You cannot have one and the other, even though a person may in fact have qualified for both. However, we compensate By allowing the higher of the two benefits to stand. Also, try not to have the same industrial accident twice because you will only be paid once. Except for age, invalidity, death, survivors, sickness, injury or maternity, we shall not pay any person who is absent from the Federation. If we ask that you submit to a medical examination By a specified doctor, please do so. Disobedience may mean the suspension or forfeiture of that benefit. Furthermore, know the time limit to claim as all claims have an expiry date. For sickness and Employment Injury Benefits it is 10 days, and for Age Pension it is 6 months. Familiarize yourself with these conditions. Do not become a ward of the state, especially through prison. The latter not only disqualifies the insured person from getting any kind of benefit, earned or awarded, but also disqualifies his dependents from any benefit they may have qualified for, except if they apply to and it pleases the Director. I trust that you, too, now understand why that 1% must be quoted alone. It is big!