#Human Resources #Employer

HR Guide: All You Need to Know About Employment Injury Scheme

Mohamad Danial bin Ab Khalil
by Mohamad Danial bin Ab Khalil
Sep 19, 2021 at 10:03 PM

The Employment Injury Scheme protects an employee against accidents or occupational diseases arising out of and in the course of their employment. 

 

Protections under Employment Injury Scheme

The protection under this scheme covers:

1. Accidents while on the job

Accidents that happen while at work or while on a business day.

 

2. Commuting accidents

  • On a route between the employee's place of residence or stay and their workplace,

  • On a journey made for any reason that is directly connected to their employment,

  • On a journey between their place of work and the place where they take their meal during any authorised recess.

 

3. Accidents during emergencies

An accident that happens during an emergency at the employer's premises while helping, rescuing, or protecting other people from danger or disaster.

 

4. Occupational diseases

Diseases resulted from the employee's occupation as described in the Fifth Schedule of Employees' Social Security Act 1969.

Here are some of the occupational diseases:

  • Loss of hearing because of continuous excessive noise exposure, and

  • Occupational asthma due to work that involves constant exposure to dust or harmful chemical inhalation.

 

Benefits under the Employment Injury Scheme

1. Medical benefits

Employees who suffer from employment injuries or occupational diseases will receive free medical treatment at a Government clinic/hospital or SOCSO's panel clinic until they are fully recovered.

For serious injuries, the employee may obtain medical care from the Government hospital. They are also eligible for second-class ward treatment, and specialist treatment will be provided if needed.

Employers or employees can claim reimbursement of expenses incurred concerning medical treatment at SOCSO's non-panel clinic. They can apply with SOCSO, and the reimbursement is subject to such conditions as defined by SOCSO or according to Fees Act 1951.

 

2. Temporary disablement benefit

This benefit is paid for the period the employee is on medical leave certified by a doctor for no fewer than four days, including the day of the accident. However, SOCSO will not pay the Temporary Disablement Benefit for the days the employee works and earns wages during this period.

The Temporary Disablement Benefit's daily rate is 80% of the employee's average assumed daily wage, with an RM30.00 minimum rate per day and an RM105.33 maximum rate per day. 

employment injury scheme benefits
The benefits under the Employment Injury Scheme.

3. Permanent disablement benefit

Employees who have a permanent disability due to employment injury can apply for this benefit. 

The Permanent Disablement Benefit's daily rate is 90% of the employee's average assumed daily wage, subject to an RM30.00 minimum per day or an RM118.50 maximum per day.

SOCSO will refer the Assessment and Payment Claims to the Medical Board for permanent disability assessment:

  • If the assessment does not exceed 20%, SOCSO can make payment in the form of a lump sum,

  • If the assessment exceeds 20%, the employee can commute 1/5 of the daily benefit rate into a lump sum payment while SOCSO will pay the balance monthly for the whole life.

 

4. Constant attendance allowance

This allowance is paid to an employee suffering from total permanent disablement and is severely incapacitated as to constantly needing the personal attendance of another person. They must also be certified by the Medical Board, the Special Medical Board or the Appellate Medical Board.

The constant attendance allowance is fixed at RM500 per month.

 

5. Physical or vocational rehabilitation facilities 

These facilities are provided to eligible employees in the form of:

i. Physical rehabilitation, such as: 

  • Physiotherapy 

  • Occupational therapy 

  • Reconstructive surgery

  • Supply of prosthetics, orthotics and other appliances

  • Supply of orthopaedics apparatus such as a wheelchair, crutches, hearing aid, special shoes, spectacles, etc.

ii. Vocational rehabilitation, including:

  • Course training, such as electrical, radio/TV repair, sewing, typing and others. 

SOCSO will cover all expenses incurred for the above rehabilitation facilities based on stipulated rates, terms and conditions.

 

6. Dependant's benefit 

If an employee dies due to an employment injury, their dependants are entitled to this benefit.

The benefit's daily rate is 90% of the average assumed daily wage. It is subject to a minimum of RM30.00 per day and a maximum of RM118.50 per day.

i. The daily rate share for Dependants' Benefit is based on the following priorities:

employment injury scheme

ii. If the employee dies and does not have any widow or widower or children, the Dependants' Benefit will be paid to:

employment injury scheme

7. Funeral benefit

This benefit will be paid to the eligible person if the employee dies due to employment injury or is in receipt of Permanent Disablement Benefits. In the absence of such a person, SOCSO will pay the benefit to the person who incurs the funeral expenditure.

SOCSO will pay the actual amount incurred or RM2,000, whichever is lower.

 

8. Education benefit

The education benefit is in the form of loans that SOCSO may provide to a dependant child of an insured person who:

  • Dies as a result of employment injury

  • Receives periodical payments for Permanent Disablement Benefit

 

If you would like to learn more about Socso's eligibility requirements and assistance schemes, you can refer to the website at www.perkeso.gov.my.

For enquiries, you can contact SOCSO customer service at 1-300-22-8000 or email [email protected].

Articles that might interest you 
What You Need to Know About Program Subsidi Upah (PSU) 4.0
What You Need to Know About EPF's i-Saraan
EPF Launches Two Initiatives to Help Employers Manage Cash Flow

<