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This branch of Benefit provides coverage for an insured person who suffers an employment injury, that is an injury or death by way of an accident at work or a disease caused by the type of work he or she does. This Branch covers Employment Injury/Prescribed Disease Benefit, Constant Attendance Allowance, Disablement Allowance and Death Benefit.

Injury Benefit is paid for up to 156 days to an insured person who is temporarily unable to work as a result of an employment injury. An insured person who suffers an employment injury is entitled to receive Medical Care free of cost, at any Government medical facility or at a private Social Security Board approved medical provider. Social Security pays the Government or the private provider to provide medical care treatment (with pre-arranged payment rates). If the required medical treatment cannot be obtained in Belize, the Social Security Board pays for the treatment to be provided abroad. If an employment injury results in disability whether partial or total, disablement benefit is therefore payable.

Constant attendance allowance is provided to an insured person who is totally disabled and requires the constant attendance of another person.

Disablement Benefit is paid when an employment injury results in disability, whether partial or total. If an insured person is totally disabled and requires the constant attendance of another person, he or she may receive a Constant Attendance Allowance in addition to a pension.

Death Benefit is a pension paid to the widow/widower, children or parents of a deceased insured person whose death was caused by an employment injury. A Funeral Grant is also payable to a person who has incurred the funeral expenses. There are no contribution conditions to be met to qualify for Employment Injury Benefits.

EMPLOYMENT INJURY / PRESCRIBED DISEASE BENEFIT

Injury Benefit is paid for up to 156 days to an insured person who is temporarily unable to work as a result of an employment injury. An insured person who suffers an employment injury is entitled to receive Medical Care free of cost, at any Government medical facility or at a private Social Security Board approved medical provider. Social Security pays the Government or the private provider to provide medical care treatment (with pre-arranged payment rates). If the required medical treatment cannot be obtained in Belize, the Social Security Board pays for the treatment to be provided abroad. If an employment injury results in disability whether partial or total, disablement benefit is therefore payable.

  • YOU MUST

    REQUIREMENTS

    • Be an insured person
    • Be injured during the course of and as a result of insurable employment or a work related prescribed disease
    • Be unable to work due to an employment injury
    • Submit claim on form IB1. Ensure the form is submitted fully completed including the Employer’s Section and the Witness Report IB 7 (if applicable).
    • The medical certificate on IB1 section to show cause of illness (from employment injury / work-related prescribed disease) and the number of days the person will be unable to work.
    • Claim must be signed and dated by an approved doctor in Belize. Details of medical care must be provided as requested on the IB1/ or IB8 Forms.
    • Submit claim within 4 working days from first day of illness shown on medical certificate.
    • Claims not submitted within the 4 days require that a written note with good reason be submitted. Claims will not be disallowed because they are submitted late; however, the period of the benefit affected by the lateness will be disqualified.
    • Subsequent claim(s) related to the same injury or prescribed disease must be certified by the doctor using an IB8 Form.
    FORMS: Click to download form(s):  IB1 Employment Injury Claim IB7 Witness Report   IB8 Continuation Claim
    • Four (4) weekly salaries prior to the injury are used to calculate the Average Insurable Earnings.
    • 80% of Average Insurable Earnings of insured person is calculated and used.
    • The Injury Benefit starts as of the day after the accident happened. Sundays included.
    • After 156 days is paid, if the insured person still continues to be under medical treatment, a provisional disablement is paid at a weekly benefit rate of 60% of Average Insurable Earnings for not more than 91 days.
    • The minimum benefit payable is $44.00 weekly for the first 156 days, and $33.00 weekly for the remaining 91 days.
    • The maximum benefit is $256.00 weekly for the first 156 days, and $192.00 weekly for the remaining 91 days.

  • cash benefit

    *Cash Benefit is 80% of the Average Weekly Insurable Earnings, payable for Sickness, Injury and Maternity.

DEATH BENEFIT

Death Benefit is a pension paid to the widow/widower, children or parents of a deceased insured person whose death was caused by an employment injury. A Funeral Grant is also payable to a person who has incurred the funeral expenses. There are no contribution conditions to be met to qualify for Employment Injury Benefits.

  • YOU MUST

    REQUIREMENTS

    • Be a survivor (widow/widower, child or parent) of a deceased insured contributor, who died as a result of employment injury caused by an accident.
    • WIDOW:- Have the care of deceased insured person’s children or be pregnant for deceased insured person

      - Be 50 years or over             – Be permanently incapable of self-support and was wholly dependent on the deceased

    • WIDOWER- Must be an invalid without any source of income, who was fully dependent on deceased spouse
    • CHILDREN- Includes biological and step children or adopted children of the deceased insured person.  Must be unmarried and under 16 years or 21 years if receiving full-time education
    • PARENTS- Must be 55 years or over.  If the deceased has no widow/ widower or children, parents can claim.
    • Submit claim on form SVB1 Form. Ensure the form is submitted fully completed with the following documents:
      • Birth certificate of all survivors claiming benefit
      • Birth and death certificate of deceased insured person.
      • When spouse is applying, marriage certificate or valid declaration to prove common-law union needs to be presented
    • Claim should be made within 13 weeks after date of death of insured person.
    • For late claims, no sum shall be paid for any period more than 26 weeks, from date on which the claim was made.
    FORMS: Click to download form:  SVBI Form  
    • Maximum Benefit for all Survivors is calculated at 60% of Average Insurable Earnings of the deceased insured person in the 4 weeks prior to injury
    • PORTIONS AWARDED
           • Widow/widower: 66.67%
           • Invalid children: 40%
           • Other children: 25%
           • Parent: 40%
    • If maximum benefit (100%) is exceeded, each share is reduced accordingly
    • The payment starts as of date of death of insured person, for as long as the survivors continue to meet the qualifying conditions
    • Benefit for children (not invalid), continues up to 16 years if not in school, and up to 21 years if receiving full-time education.
    • Minimum Pension is $47 per week
    • Maximum Pension is $192 per week
    • WIDOW:
           • If the widow meets all the qualifying conditions, she gets Death Benefit for life, but if the conditions are not met, she gets payments for 52 weeks only
    • Widow(er) benefit stops upon remarriage
CONSTANT ATTENDANCE ALLOWANCE

Constant attendance allowance is provided to an insured person who is totally disabled and requires the constant attendance of another person.

  • YOU MUST

    REQUIREMENTS

    • Be an insured contributor with 100% disability, due to employment injury / work-related prescribed disease and requires assistance for your daily care
    • Recommended by a registered doctor
    • Assessment by Social Security Medical Board or Referee
    • Claim within 13 weeks from the date that you become entitled to claim Constant Attendance Allowance
    • An increase of 25% of the Disablement Pension
    • As long as so determined by a Medical Board or Medical Practitioner
MEDICARE

  • YOU MUST

    REQUIREMENTS

    • Have suffered an employment injury / work-related prescribed disease
    • Meet all other requirements as per the Procedures for Medical Care (see summary below)
    • Doctor or Medical Board’s recommendation for treatment required, e.g. therapy, surgery, artificial limbs, treatment abroad
    • Claim when injury occurs or when prescribed disease develops
    • Expenses to be submitted no later than 3 months from the date they were incurred
    • If claim is not submitted within the 3 months period, a good reason must be given by claimant.
    • Payment to be made to insured person and/or Employer and/or Approved Medical Provider, as per agreed Payment Schedules
    • Continues, with periodic assessments by Medical Board, for as long as the patient requires medical care for the employment injury
PROCEDURES FOR MEDICAL CARE (in brief)

    • Obtain medical attention and services from APPROVED medical providers (providers with a license issued by Social Security).
    • The first visit must be to an approved General Practitioner who can then refer you to an approved Specialist, if necessary.
    • You or your employer should pay for the first visit.   The payer of the bill will be reimbursed by Social Security on presentation of receipt, if claim is approved.
    • Submit the medical certificate(s) on IB1 or IB8 stating nature and bodily location of injury and period of incapacity.
    • For your second and subsequent medical and specialist visits, you or your representative must obtain purchase order(s) from Social Security for diagnostic services, medications, laboratory examinations, etc.
    • If the claim is allowed, the benefit continues, with periodic assessments by the Medical Board, for as long as the patient requires medical care for the employment injury.
    • If the injury is proven not to be work-related or is not covered as a prescribed disease, the claim will be disallowed. The employee must then pay for any medical bills incurred.
    • Maintain an Accident Log to record all accidents or work-related diseases allegedly suffered by your employees.
    • Inform Social Security on work-related accidents (or suspected diseases), immediately, via telephone, fax or by other means.
    • Ensure that the injured insured contributor is taken immediately to the nearest APPROVED General Practitioner for medical care; the employer is responsible for this transportation of injured contributor.
    • Pay for the injured person’s first medical care (if employee is not able to).
    • If claim is allowed as Injury Benefit, employer or insured contributor will be reimbursed by Social Security, on presentation of receipts.
    • Facilitate investigation of the claim by Social Security Inspectors, by providing information relevant to the accident and by allowing access to witnesses to the accident.
    • If claim is disallowed, the employee must pay for any medical bills incurred.
DISABLEMENT PENSION (Four-weekly Cash Benefit)

Disablement Benefit is paid when an employment injury results in disability, whether partial or total. If an insured person is totally disabled and requires the constant attendance of another person, he or she may receive a Constant Attendance Allowance in addition to a pension.

  • YOU MUST

    REQUIREMENTS

    • Have suffered an employment injury/work-related prescribed disease, which results in permanent disability
    • Submit claim on prescribed form (IB17)
    • Assessment by Medical Board is set up by the Social Security Board.
    • Submit claim within 13 weeks from the date that you become entitled to claim Disablement Benefit
    Form: Click to download form: IB17
    • Disability assessed at 25% or more, a Disablement Pension is paid
    • 60% of average insurable earnings in 4 weeks before injury x % of disability = weekly rate
    • Minimum Pension is $47 per week
    • For as long as disability continues
    • Disability assessed under 25%, a Disablement Grant is paid (one-time payment for the injury)
    • Formula: 260 x Average Insurable Earnings in 4 weeks before injury x % of disability = grant
    • The payment starts as of end of injury benefit period
DISABLEMENT GRANT (One Lump Sum)

Disablement Benefit is paid when an employment injury results in disability, whether partial or total. If an insured person is totally disabled and requires the constant attendance of another person, he or she may receive a Constant Attendance Allowance in addition to a pension.

  • YOU MUST OTHER REQUIREMENTS TIME REQUIREMENT
    • Have suffered an employment injury / work-related prescribed disease, which results in permanent disability
    • Assessment by Medical Board set up by Social Security
    • Submit claim on prescribed form (IB17)
    • Submit claim within 13 weeks from the date that you become entitled to claim Disablement Benefit
  • Rate of Benefit Payment Period of Benefit Payment
    • For disability under 25%, a Grant is paid
    • Formula: 260 x Average Insurable Earnings in 4 weeks before injury x % of disability = grant
    • One time payment for the injury

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