Work Injury Benefit Act/Employer’s Liability Insurance

The Work Injury Benefit Act (WIBA) Insurance aims to cover all employees against work related injuries. This is a mandatory cover and all employers must obtain and maintain an insurance policy.

The Act provides for compensation to employees for work related injuries and diseases contracted in the course of their employment and for connected purposes.

Benefits

Death Benefit: Payable to beneficiaries in the event the insured dies due to the injury.
Temporary Total/Partial Disablement Benefit: This is given to employees who suffer temporary or total disablement that incapacitates him/her for three or more days.
Medical Expenses Benefit: The employee is compensated for any expenses reasonably incurred in an accident and covers dental, hospital treatment, surgical dressings, drugs, skilled nursing services, travelling and subsistence as well as supply, maintenance and replacement of artificial limbs, clutches and others.
Funeral Expenses Benefit: The employer is liable to pay for reasonable funeral expenses.

In the event of any settlement/compensation under the above mentioned act leaves the injured employee/claimant dissatisfied, the employer may be sued to claim further compensation.  In such an event, the employer’s liability insurance shall defend the suit and bear all the legal expenses the employer may incur including indemnifying for any liability attaching to the insured subsequently.