Recently, in addressing a class of 4th & 5th formers, I spoke to them about the 5%+5%+1% payment requirement to Social Security. One student asked why I had to say it that way; why didn’t I just say 11%? A good question indeed, but saying 11% minimizes the significance of that 1% which is the Employment Injury component of Social Security coverage. This is an unusual package, it is triggered By the fact that you are turning up or have turned up for work; and is payable for trauma and for disease lasting 4 days or more. There are several benefit components under the Employment Injury Branch. There is the replacement of lost wages; payment for medical expenses; repayment of doctor, medical and associated fees; constant care allowance and medical evacuation. It includes death benefits for survivors and funeral grant for the deceased insured person; as well as disablement benefits including compensation for loss of limb and pensions. The cost of all this insurance coverage is $12.80 – $65.00 per month per employee; and is strictly an employer cost. There is no co-payment By the worker! To begin with, Employment Injury uses a 75% rate of replacement rather than the 65% used for sickness benefit. It is the highest rate used By Social Security. Thus, wages are replaced at the rate of 75%, and are payable for a maximum of 26 weeks. Where a pension is called into play as a result of Employment Injury, the payment will also be based on 75% of the average of the last 13 weeks of wages, immediately before the incident happened. Interestingly, where the injured or diseased person had not worked for 13 weeks prior, the law allows Social Security to look at persons of similar earning capacity in the same grade in the same work of the same employer or in the same type of work, in order to make a decision. A key consideration in order to qualify for Employment Injury benefits is records and reporting. On each job site, an ‘accident book’ is to be kept, particularly By employers of 5 or more persons. In this book, all incidents and accidents of the work place are to be recorded within 24 hours of occurrence. The onus is upon the injured person to file the report with the employer. Such report must show name, address, occupation of the injured person, date, time and place of the accident, cause and nature of the injury, details of the witnesses to the accident, and the details of the person reporting the accident if it is not the injured person. This report is to reach to the Social Security Board within 4 days of the incident. The employer is also required By law to seek medical attention for his/her worker, and the medical report so obtained will form part of the case study. Not all job incidents result in employment injury payments however. Negligence on the part of the worker is critical in determining whether the incident was avoidable. This is where workplace safety and training becomes important, and employers must insist on industry approved standards. Deliberately maiming oneself does not qualify for Employment Injury either. Our doctors are equipped to spot these claims. The menu of services available to self employed persons excludes EIB. They are not eligible because they do not pay for that service (the1%). However, we are still open to suggestions as to how best to become all-inclusive. We welcome all suggestions! (to be continued)