02 Aug 2.12. What are the benefits under COIDA?
2.12.1. Reasonable Medical Expenses
All reasonable medical expenses for services provided by a registered medical service provider that are approved by the Compensation Fund and are in the opinion of the Compensation Fund / FEM essential.
2.12.2. Temporary Total Disablement (TTD)
- 75% of an employee’s weekly earnings at the time of the accident – Section 47(1) (a), subject to the prescribed minimum and maximum amounts.
- An employer is liable for TTD payments for the first three months from the date of accident – Section 47(3)(a).
- Should the employee remain unfit for longer than three months, FEM will compensate the employee directly – Section 47(3)(b).
2.12.3. Permanent Disablement (PD)
- Means Permanent Disablement for employment, permanent injury or serious disfigurement.
- This is awarded to an employee for injuries ranging from the loss of a tooth, deafness, blindness, amputation of a limb, loss of mobility etc.
- If the PD is assessed, more than 30% compensation will take the form of a monthly pension.
- Where the degree of disablement is 30% or less, compensation will take the form of a lump sum based on 15 times the employee’s monthly earnings at the time of the accident.
- When an employee dies as a result of an injury on duty, his/her dependants may be entitled to compensation in terms of Section 54(1)(b) of the Act.
- Compensation is based on the employee’s earnings at the time of his death and the relevant wage ceiling set by the Commissioner.
- A widow will be entitled to 40% of the pension, she will receive it for life even if she remarries.
- The widow also receives a lump sum equivalent to twice the deceased employee’s monthly pension.
- The children receive a portion of the pension up to a maximum of 20% per child until the age of 18, or they die or marry before the age of 18. The total pension payable to all the children is a maximum of 60% of the pension with a maximum of 20% per child.