Since I had a few queries from business owners on Work Injury Compensation, decided to do up this post today. Most of the following answers are from the MOM website.
1.What is Work Injury Compensation Act?
- The Work Injury Compensation Act (WICA) lets employees make claims for work-related injuries or diseases, without having to take legal action.
2. Who needs to be insured under the Work Injury Compensation Act?
If you are an employer, you are required to buy work injury compensation insurance for:
- All employees doing manual work, regardless of salary level.
- All employees doing non-manual work, earning less than $1,600 a month.You must have insurance for both local and foreign employees. Failure to provide adequate insurance is an offence carrying a fine of up to $10,000 or jail of up to 12 months, or both.For other employees, you have the flexibility to decide whether to buy insurance for them. However, if those employees make a valid claim, you will have to compensate them regardless of whether they are insured.
3. Scenarios covered under WICA
You are covered under WICA if you:
Work in a wood factory and injure your finger while building a cupboard.
Get into an accident while taking a company vehicle to or from work.
Get into an accident while taking any vehicle to a work-related engagement (meeting, site visit etc.).
Injure yourself while working on a Singapore registered vessel, anywhere in the world.
Are employed by a Singaporean company, live in Singapore and get injured while on an overseas work assignment.
Injure yourself when you slip and fall at work.
Injure yourself in a work-related fight where you were a victim and did not participate in the fight, were acting in self-defence or were instructed to break up the fight.
4. Scenarios not covered under WICA
You are not covered under WICA if you:
Work in a wood factory and injure your finger while building a cupboard for yourself during your free time at work.
Get into an accident while taking your own vehicle, a friend’s car or public transportation to or from work.
Get into an accident while taking any vehicle to a work-related engagement, but you took a detour to run a personal errand.
Injure yourself if you slip and fall at work while under the influence of alcohol or drugs.
Deliberately injure yourself.
Injure yourself during a fight with a co-worker.
5. What can you claim from WICA?
Under the Work Injury Compensation Act (WICA), you can claim for the following types of compensation benefits:
- Medical leave wages for days you were issued with medical leave due to the work injury or disease. Only for working days covered by doctor-granted MC or hospitalisation leave.
- Medical expenses, including your hospital bills, medication and other charges, due to the work injury.
- Lump sum compensation for permanent incapacity or death.
For more information on WICA, MOM has a brochure which is super useful for business owners.
Check out this link for the brochure: http://www.mom.gov.sg/~/media/mom/documents/safety-health/publications/wic-guide-for-employers-english.pdf?la=en
Hope this post will help more business owners in understanding more about Work Injury Compensation Act.
For a quote for WICA, feel free to contact me at 81029976.
Have a lovely week! ♥
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