What is Work Injury Compensation Insurance?
This policy provides coverage for an employer’s liability in cases where employees suffer work-related injuries or illnesses. It covers medical expenses, rehabilitation costs, and partial wage replacement while protecting employers from lawsuits related to workplace injuries.
Work Injury Compensation Insurance Coverage Options
- Medical Coverage
- Rehabilitation Services
- Death Benefits
- Legal Protection
- Loss of income due to work-related injury
Who Should Be Covered?
Under the Work Injury Compensation Act (WICA), employers are mandated to purchase WICA insurance for all local and foreign employees that are:
- All employees doing manual work, regardless of salary level.
- Non-manual workers earning a salary of $2,600 or less per month
How Does WICA Insurance Work?
Accident Occurs
01
When a workplace injury happens:
- Employee will need to report the incident to the company immediately.
- Documentation of the injury must be recorded down in the company’s accident log
- Provide necessary medical care to the injured employee as required.
Claim Submission
02
After the injury is reported:
- Employers submit the claim to the insurer
- Documentations including medical reports, statements and accident reports to be included in the claim
Claim Evaluation
03
Once submitted, the insurer will process accordingly:
- Review all documentation and the claim
- Determines if the injury is compensable under the work injury compensation insurance coverages
- Approves or rejects the claims according to the insurer’s findings
- Insurers will issue payouts for the approved claims
Frequently Asked Questions
about Work Injury Compensation Insurance
Can work injury compensation insurance claim be denied?
Yes, claims may be denied if the injury wasn’t work-related, occurred while violating company policy, was self-inflicted, or happened while the employee was intoxicated.
Are there any injuries not covered under work injury compensation?
One-time illness such as flu or common cold and pre-existing conditions are not covered.
Should I pay my injured work medical leave wages before the claim is approved?
You are required to promptly pay medical leave wages while their claim is being processed. However, if the claim is later found to be invalid or false, the Commissioner for Labour may order the employee to repay any medical leave wages received.
What are the time limits for filing a worker’s compensation claim?
Employers have one year from the date of the accident to file for the claim under WICA insurance.
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