Disablement Benefit

Definition

Disablement Benefit is payable to an Insured Person who has suffered loss of Faculty due to an Industrial Accident.

Qualifying Conditions

There are no Contributions Conditions to be satisfied. The Insured Person however, must be employed as Self-employed Persons are not covered for this Benefit.

Rate of Benefit

  • An assessment of the Degree of Disablement is made and stated in the form of a percentage.
  • Where the extent of the Disablement is assessed at less than fifteen percent (15%), Disablement Benefit is payable as a Grant (lump-sum).
  • To Calculate the Amount of the Grant:

  • a) Calculate the Weekly Rate of Injury Benefit (see instructions under Injury Benefit).

    b) Calculate five (5) Annuities = 5 x 52 = 260.

    c) Grant = Assessed Percentage x item (a)x item (b).

    Where the extent of the Disablement is assessed at fifteen percent (15%) or more, the Benefit is payable as a Pension.

    To Calculate the Rate of Pension Payable:

    d) Adjust the Assessed Percentage as follows:

    i) If the assessment is not a multiple of 5, then adjust to the nearer multiple of 10.

    ii) If the assessment is a multiple of 5, then adjust to the next higher multiple of 10

    (iii) If the assessment is a multiple of 10, then no adjustment is needed.

    To Calculate the Rate of Pension Payable:

    e) Calculate the Rate of Injury Benefit (see instructions under Injury Benefit).

    f) Weekly Pension = Assessed Percentage x item (e).

Duration of Benefit

An Insured Person is not entitled to Disablement Benefit during the first three (3) days, beginning with the day of the Accident. The Benefit is payable either for the duration of the Claimant's life, or to a definite date on which a further assessment would be made.

Method of Payment

Recipients of Disablement Pension are issued with "Pension Order" Books, which usually contain six (6) Benefit Payment Vouchers to be encashed on a monthly basis. New books are prepared and issued upon submission of "Life Certificates" which attest to the Pensioner being alive.

Recipients of Disablement Grant are issued with a single Benefit Payment Voucher.

Benefit Payment Vouchers can be encashed at National Insurance Offices, Post Offices or Commercial Banks.

Manner of Claiming

A Claim for Disablement Benefit must be made by the completion of Form IB22 - Claim for Disablement Benefit, and a Medical Certificate, to the nearest National Insurance Office.

Download: Form IB22 - Claim for Disablement Benefit