| What is WCIF?
The Accident Prevention and Workers' Compensation Scheme is a worker's insurance scheme under the National Social Security Authority. The scheme's main objectives are as follows:
a) Providing financial relief to workers and their families, when a worker is injured or killed in a work related accident or disease.
b) Creating an awareness and promoting health and safety at all places of work
(c) Encouraging adoption of the health and safety legislation through factory and machinery inspection
(d) Providing rehabilitation services to disabled workers so as to reduce
their disablement and return them to their former employment or otherwise prepare them for a useful and meaningful place in society.
Who Contributes To The Scheme ?
All employers, except government and those employing domestic workers are required by law to contribute to the scheme.
N. B. Please note that employees do not contribute to this scheme
How Does The Employer Register ?
When an employer commences business he/she is required to go to the nearest NSSA office with estimated earnings of his workers. At the office he/she will complete various forms and be registered according to industry he/she is in. The minimum insurance premium the employer is required to pay will be calculated using a risk factor depending on the type of industry the company is involved in. The insurance year runs from January 1 - December 31st.
What If I Change My Business ?
Employers have a responsibility to keep NSSA informed of any changes or developments in their business. This will allow the Authority to keep constant accurate records and also make it possible for the Authority to adjust their insurance premiums and records accordingly, in line with any changes as and when they occur. |
Scheme Benefits
The Accident Prevention and Workers' Compensation scheme offers a number of varied, long and short term benefits to insured workers, they are as follows:
The Accident Prevention and Workers' Compensation Scheme Short Term Benefits
Periodic payments in respect of loss of earnings
Medical costs
Funeral Grant
Lump Sum
Long term benefits
Workers Pension
Widow/Widower's Pension
Dependants Allowance
Other Benefits
Rehabilitation Benefit
Constant Attendance Allowances
Advantages Of The Scheme To The Employer
No added costs in the event of a insured worker getting injured, disabled or deceased. The Authority provides the income and allowances.
Facilitation of prompt return to work of disabled workers through effective rehabilitation or where possible sustenance of employee.
Reimbursement of any expenses incurred where employer provides facilities to assist a disabled worker return to work
Provision of advisory service on safe and healthy working conditions for employees and provides safety films and posters at a nominal fee.
All payment of lost time from accidents, medical aid, medical appliances are catered for by the Authority.
provision by the authority of adequate services for the treatment of injuries and diseases arising from and in the course of one's employment
Authority conducts independent investigations of accidents at the workplace and gives free advice or corrective measures and adoption of measures to improve the health and safety of employees.
Dissemination of prevalent information on health and safety issues on a quarterly basis in the On Guard Magazine including national occupational accident statistics.
How Do I Get The Benefits?
Once an accident has taken place the employer must initially provide first aid to the worker when he/she is injured and then immediately transfer the worker to the nearest medical centre be it clinic, or hospital. The employer is then required to report the accident to the nearest NSSA Office after filling in relevant details on the form WCIF No 14 which he/she (employer) should have at his work premises at all times.
In cases of serious/fatal accident the employer should contact the nearest NSSA Office and the Police within 24 hours.
All accidents must be reported within 14 days irrespective of whether the worker had completed treatment or not. |
