2. Claims – Work Injury Compensation
The Work Injury Compensation Act (WICA) was effected on 1 April 2008 to replace the Workmen's Compensation Act (WCA). While it is still mandatory under WICA for employers to buy work injury compensation insurance for all manual workers and non-manual workers earning $1,600 or less a month, this is not required for employees who are non-manual workers earning more than $1,600 a month. However, employers are still liable to pay work injury compensation for such employees under WICA, and can choose to buy insurance to cover such liabilities.
The Work Injury Compensation Act covers "all employees in general" who are engaged under a contract of service or of apprenticeship, regardless of their level of earnings.
Employers are obliged under the Workmen's Compensation Act (WCA) to provide for:
- full pay up to 14 days for outpatient medical leave
- full pay up to 60 days for hospitalisation leave
- 2/3rd pay up to a total of one year from the date of accident thereafter
- all rest days and non-working days should be excluded in the calculation
- Medical fees for treatments related to the accident including hospitalisation charges up to the limits prescribed in the WCA.
Guides for Workmen's Compensation Claims
1. Employers must report all work-related accidents to the Ministry of Manpower and their insurers.
2. In the event of an industrial accident, make sure that the following actions are carried out:
- Notify the Insurer immediately in writing by fax (65 6339 2109) giving a description of the circumstances leading to the accident and the nature & extent of the injury and your Policy number. Notify the police if you deem appropriate.
- Notify the Ministry of Manpower (complete Form A) within 10 days of its occurrence for accident resulted in death; within 18 days of its occurrence for accident resulted in incapacity that renders the workman unfit for work for more than 14 days; not later than 15th day of the month following its occurrence for incapacity that renders the workman unfit for work for 14 days or less
- Submit to the Insurer the prescribed form containing the following information: A detailed description of the circumstances leading to the accident and the cause; Parties involved in the accident; Details of other insurance policies and work contracts in force.
- Take steps to identify the suspects and hold them responsible for the accident.
- Take immediate action to prevent aggravation of the injury or illness.
- Keep all original receipts, reports and other documentary proof for the purpose of investigation and verification.
3. Employers are required to report work-related accidents to MOM through
http://www.mom.gov.sg/iReport/ target within 10 days of the occurrence of the accident: Where it results in the death of an employee, where it renders an employee unfit for work for more than 3 consecutive days or hospitalized for at least 24 hours.
4. After reporting to MOM online, you are required to submit the followings to your Insurer:
- Claims Form
- Police Report (if any)
- Report(s) lodged with Ministry of Manpower
- Original Medical bills & receipts
- Medical leave certificates
- Work Permit (applicable for foreign workers)
- Contract/invoice for the project/works (if you are a sub-contractor or are insured under a business policy)
Enquiries:
Occupational Safety and Health Division
Ministry of Manpower
Tel: 64385122
Fax: 63171140
Email:
mom_oshd@mom.gov.sg
Website:
www.mom.gov.sg/oshd
Frequently Asked Questions Download File (WICA FAQ pdf)
Information online
http://www.mom.gov.sg/pub...
3. Claims - Incomeshield
At the point of admission, inform the admission staff at the hospital/clinic of your coverage under Incomeshield (integrated plan). The hospital staff should provide a PMI claim Form to the policyholder/insured to complete and sign. On discharge, the hospital will electronically file the claim through a centralized system, known as the MediClaim System. Claims information and details of the bills will be transmitted to NTUC Income via the MediClaim System.
Letter of Guarantee
Frequently Asked Questions Download File (LOG FAQ pdf)
Information online
http://www.income.com.sg/cl...
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4. Financial Industry Disputes Resolution Centre Ltd
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Where can you go to settle disputes with your insurer?
If you are an individual or sole proprietor, you can consider taking your feedback to the Financial Industry Disputes Resolution Centre Ltd (FIDReC). This is an independent and impartial party set up to encourage and assist in the resolution of disputes between consumers and financial institutions in an amicable and fair manner.
Address: 112 Robinson Road #13-03 HB Robinson Singapore 068902
Website: www.fidrec.com.sg
Email: info@fidrec.com.sg
Telephone: 6327 8878
Fax: 6327 8488
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How do I file a claim with FIDReC?
You may lodge your complaint / claim in person, by fax, post or e-mail. Filing a claim and having a Case Manager review your claim is free of charge. If a Case Manager takes your claim up with the insurer concerned and is unable to facilitate a resolution, you can then refer your claim to a FIDReC mediator or panel of mediators depending on the size of the claim. If you choose to do so, you need to pay a nominal administrative fee of S$50.
The ruling of the mediator or panel is final and binding on the insurer, but not on you. If you are not happy with the ruling, you are free to reject it and pursue a settlement through mediation, arbitration or legal proceedings. However, if you accept the panel's ruling, this means you have chosen to give up your right to proceed with legal action against the insurer.
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