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This branch of Benefit provides coverage for insured persons under the following categories: Sickness, Maternity Allowance, Maternity Grant and Funeral Grant.

Sickness Benefit is paid for up to a maximum of 234 days to an insured person under 65 years who is temporarily unable to work because of an illness and who is employed when he or she becomes ill.

Maternity Benefit is paid to Insured Women who are on Maternity leave from work because of their pregnancy and confinement.

  • The Maternity Allowance is paid weekly for a maximum period of 14 weeks.
  • The Maternity Grant is a lump sum payment of $300.00 made upon confinement.

Maternity Grant is a lump sum payment of $300.00 made upon confinement. Maternity Grant may be paid to an Insured Man if his wife does not qualify for the benefit.

SICKNESS BENEFIT immediately following MATERNITY LEAVE PERIOD (Weekly Cash Benefit)

Funeral Grant is a one-time lump sum of money paid to assist with funeral expenses of an insured person, of an Insured Person’s spouse, or of a dependent child of an insured person. The Grant is payable to a person who has incurred the funeral expenses.

SICKNESS BENEFIT (WEEKLY CASH BENEFIT)

Sickness Benefit is paid for up to a maximum of 234 days to an insured person under 65 years who is temporarily unable to work because of an illness and who is employed when he or she becomes ill.

  • YOU MUST

    REQUIREMENTS

    • Be an insured contributor
    • Be 14 years or over and under 65 years
    • Have 50 paid contributions
    • Have 5 paid contributions in 13 weeks, immediately before illness
    • Be in insurable employment on the day in which incapacity occurs
    • Not working for the period certified sick
    • Submit claim on prescribed form (SB1). The medical certificate on SB1 section must show cause of illness and number of days you are unable to work
    • Claim must be signed and dated by a registered doctor in Belize
    • Certificate must be signed and dated by the insured person
    • Employer to record on SM2 the salary or wages of the insured person for the13 weeks before the week illness commenced.
    • A completed claim includes both SB1 and SM2 forms
    • Submit claim within 4 days from the first day of illness shown on the 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 illness do not require the submission of an SM2.
    Form: Click to download the form(s): SB1 Sickness  Form  SM2/SB Salaries Record
    • 80% of Average Weekly Insurable Earnings of insured person, in the 13 weeks before illness
    • If sickness period exceeds 156 days, an additional 78 days are paid at 60% of Average Weekly Insurable Earnings. If unable to return to work due to the sickness being of a permanent nature, claiming for Invalidity benefit is advised.
    • The minimum benefit payable is $44.00 weekly for the first 156 days, and $33.00 weekly for the remaining 78 days.
    • The maximum benefit is $256.00 weekly for the first 156 days, and $192.00 weekly for the remaining 78 days.
    • Payment starts as of 1st day of illness and includes Sundays
    • Payment to continue as long as employee is medically certified unable to work
    • Continues as long as employee is not at work, due to illness
MATERNITY ALLOWANCE

Maternity Allowance is paid to Insured Women who are on Maternity leave from work because of their pregnancy and confinement.

  • The Maternity Allowance is paid weekly for a maximum period of 14 weeks.

  • YOU MUST

    OTHER REQUIREMENTS

    • Be an insured woman on maternity leave
    • Have 50 paid contributions
    • Have 25 paid and credited contributions of which 20 must be paid within the 39 weeks immediately before the benefit is to begin

     

    • Make two (2) claims on the prescribed form (MB1):
      • For period before confinement:  The claim, signed by the insured woman, is accompanied by a medical certificate signed by a registered doctor, stating the expected date of confinement
      • Submit claim eight (8) weeks before expected date of confinement as shown on medical certificate
      • For period after confinement: The medical certificate section on the claim must be signed by a registered doctor or midwife who assisted in the delivery
      • Submit claim, three (3) weeks after the date of confinement
    • Employer must record the salary or wages (SM2/MB)of the insured woman or 39 weeks immediately before the benefit is to begin.  Attach SM2 to the MB1
    • If claim is not submitted within 8 weeks before confinement and 3 weeks after confinement a good reason must be given by the insured woman
    Form: Click to download form: MB Maternity Benefit SM2/MB Salaries Record
    • 80% of Average Weekly Insurable Earnings of insured woman, in 39 weeks before maternity leave commences
    • The minimum benefit payable is $44.00 weekly.
    • The maximum benefit is $256.00 weekly.
    • A maximum of 14 weeks of maternity benefit is paid; 7 weeks is paid before confinement and 7 more weeks after confinement (may be less than 7 weeks before confinement and more than 7 weeks after confinement)
    • Payment is made in two; one for the period before confinement and one for the period after confinement.

    If unable to return to work due to complications arising from delivery, you may consider claiming sickness benefit immediately following maternity leave. Refer to Sickness Benefit to access the form SBI.

MATERNITY GRANT (ONE LUMP SUM)

Maternity Grant is a lump sum payment of $300.00 made upon confinement. Maternity Grant may be paid to an Insured Man if his wife does not qualify for the benefit.

Maternity Grant of $300.00 is payable per child in one calendar year.

  • YOU MUST

    REQUIREMENTS

    • Be an insured woman
    • Have been confined
    • Have 50 paid contributions
    • Have 25 paid contributions in the 50 weeks before confinement

    OR

    • Be an insured man
    • Have 50 paid contributions
    • Have 25 paid contributions in the 50 weeks before spouse’s confinement
    • WIFE, (married or common-law) has been confined
    • WIFE does not qualify for the benefit
    • The insured woman must have claimed Maternity Benefit on the prescribed form (MB1)
    • A male claimant (insured man) must make claim on the prescribed form (MB5)
    • MB5 must be fully completed and signed by the insured contributor
    • Must present Birth Certificate or certificate of registration of birth of child, showing claimant as the father
    • Employer must declare claimant’s employment status.  Record the salary or wages (SM2/MB form)of the insured man 50 weeks before confinement.
    • Submit claim within 3 months after date of confinement
    • If claim is not submitted within 3 months after date of birth, a good reason must be given by the insured person and recorded on the MB5.
    Form: Click to download the form: MB5 Maternity Claim SM2/MB Salaries Record
    • $300.00 per child
    • One-time payment
    • Can receive only one grant per calendar year (January to December)
SICKNESS BENEFIT immediately following MATERNITY LEAVE PERIOD (Weekly Cash Benefit)

  • YOU MUST OTHER REQUIREMENTS TIME REQUIREMENT
    • Be unable to return to work due to complications arising from delivery
    • Be 14 years or over and under 65 years
    • Have 50 paid contributions
    • Have 5 paid contributions in 13 weeks, immediately before going on Maternity Leave
    • Submit claim on prescribed form (SB1)The medical certificate on SB1 section must show cause of illness and number of days you are unable to work
    • Claim must be signed by a registered doctor in Belize.  Claim must be signed and dated by the insured woman.
    • Employer must declare claimant’s employment status.  Record the salary or wages (SM2 Form) of the insured woman 13 weeks before the week illness commenced.  Attach SM2 to the SB1Form
    • Submit claim on prescribed form (SB1), within 4 days from the first day of illness shown on the medical certificate

    Please click here to download form SB1

    • If claim is not submitted within 4 days, good reason must be given and recorded by the insured contributor
    • No sum shall be paid for any period, more than 13 weeks before the date the claim was made
  • Rate of Benefit Payment Period of Benefit Payment
    • 80% of Average Weekly Insurable Earnings of insured contributor, in 13 weeks before Maternity Leave commenced
    • If sickness period exceeds 26 weeks, additional 13 weeks are paid at 60% of Average Weekly Insurable Earnings
    • As of 1st day of illness
    • Payment includes Sundays
    • Payment to continue as long as employee is medically certified unable to work
    • Continues as long as employee is not at work, due to illness (complications arising from delivery)
    • For a maximum period of 39 weeks
GUIDELINE FOR COMPUTING SICKNESS BENEFIT

guidelines

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

*Sickness Benefit:- After 156 days of illness, weekly cash benefit for additional 78 days is calculated at 60% of the Average Weekly Insurable Earnings.  Maximum period for Sickness Benefit is 234 days, after which the insured contributor can apply for Invalidity Benefit.

FUNERAL GRANT

Funeral Grant is a one-time lump sum of money paid to assist with funeral expenses of an insured person, of an Insured Person’s spouse, or of a dependent child of an insured person. The Grant is payable to a person who has incurred the funeral expenses.

  • YOU MUST

    REQUIREMENTS

    • Have incurred the funeral expenses
    • The deceased insured person had at least 50 paid contributions.
    • For death of an insured person’s spouse, the insured person has not less than 150 paid contributions. The spouse can be either by marriage or common-law;
    • For the death of an insures person’s child, the insured person has not less than 150 paid contributions
    • The dependent child is under the age of 16 years or up to 21 years if receiving full-time education
    • Make claim on prescribed form (FG.1) signed and dated by the claimant
    • Present the original death certificate of the deceased person AND receipts for funeral expenses of the deceased person.
    • In the case of the deceased spouse, proof of relationship: Original Marriage Certificate or a valid declaration to prove common-law union.
    • In the case of the deceased child, original birth certificate is to be presented.
    • Claim should be made within 6 months from the date of death.
    • If claim is made more than one year after death, no sum shall be paid.
    FORMS: Click to download form:  Form FG.1 
    • $1,500 is paid in respect of the deceased insured person
    • $1,000 is paid in respect of deceased insured person’s spouse
    • $500 is paid in respect of deceased insured person’s child
    • They are all one-time payments

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