EMPLOYMENT INJURY SCHEME

Employment Injury Scheme provides protection to an employee against accident or an occupational disease arising out of and in the course of his employment. The protection under this scheme covers the following:

THE ACCIDENT WHILE DOING ITS JOB

Accidents are encountered while at work or while on a business day.

COMMUTING ACCIDENT
  • On a route between his place of residence or stay and his place of work
  • On a journey made for any reason which is directly connected to his employment
  • On a journey between his place of work and the place where he takes his meal during any authorized recess

Note : An accident that occurs during any interruption or deviation shall not be deemed to arise out of and in the course of his employment.

ACCIDENT DURING EMERGENCY

Accident which occurs during an emergency at the employer’s premises while in the course of assisting, rescuing, or protecting other people from disaster or danger during an emergency.

OCCUPATIONAL DISEASES

Diseases resulted from his occupation as described in the Fifth Schedule of Employees’ Social Security Act 1969.

Amongst the occupational diseases include:

  • Loss of hearing due to continuous excessive noise exposure
  • Occupational asthma due to work involving constant exposure to the inhalation of dust or harmful chemical and etc

BENEFITS UNDER THE EMPLOYMENT INJURY SCHEME

MEDICAL BENEFIT

Employees suffering from employment injuries or occupational diseases may receive free medical treatment at SOCSO’s panel clinic or Government clinic / hospital until they are fully recovered.

For serious injuries, medical care may be obtained from the Government hospital and the employee is eligible for second class ward treatment. Specialist treatment will be provided, if required.

Reimbursement 
Employers or employees can claim for reimbursement of expenses incurred in respect of medical treatment at SOCSO’s non-panel clinic. Application can be made to SOCSO and the reimbursement is subject to such condition as determined by the Organisation or according to Fees Act 1951.

TEMPORARY DISABLEMENT BENEFIT

Period of Temporary Disablement
Temporary Disablement Benefit is paid for the period the employee is on medical leave certified by a doctor for not less than 4 days including the day of accident. However, Temporary Disablement Benefit will NOT be paid for the days for which the employee works and earns wages during this period.

Rate of Temporary Disablement Benefit
The daily rate of Temporary Disablement Benefit is 80% of the employee’s average assumed daily wage. The minimum rate is RM30.00 per day while the maximum rate is RM105.33 per day. 

PERMANENT DISABLEMENT BENEFIT

Employees who suffer from permanent disability due to employment injury can apply for this benefit. 

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

Claim Period
Claim must be made within 12 months from the last date of the temporary disablement.

Assessment and Payment
Assessment and Payment Claims will be referred to the Medical Board for permanent disability assessment

  • If the assessment does not exceed 20%, payment can be made in the form of lump sum
  • If the assessment exceeds 20%, the employee is given an option to commute 1/5 of daily rate of the benefit into a lump sum payment while the balance will be paid monthly for whole life
CONSTANT-ATTENDANCE ALLOWANCE

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

The allowance is fixed at RM500 per month.

FACILITIES FOR PHYSICAL OR VOCATIONAL REHABILITATION

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

i. Physical rehabilitation that includes: 

  • Physiotherapy 
  • Occupational therapy  
  • Reconstructive surgery
  • Supply of prosthetics, orthotics and other appliances
  • Supply of orthopedics apparatus such as wheelchair, crutches, hearing aid, spectacles, special shoes and others

ii. Vocational rehabilitation that includes:

  • Training in courses such as electrical, sewing, radio/TV repair, typing and others. All expenses incurred for the above rehabilitation facilities will be borne by SOCSO based on stipulated rates, terms and conditions.

 All expenses incurred for the above rehabilitation facilities will be borne by SOCSO based on stipulated rates, terms and conditions.

DEPENDANTS' BENEFIT

If an employee dies as a result of an employment injury, his dependants are entitled to this benefit.

Rate of Daily Benefit To Be Paid
Daily rate is 90% of the average assumed daily wage subject to a minimum of RM30.00 per day and a maximum of RM118.50 per day.

Dependants and Daily Rate Share
i. The daily rate share for for Dependants’ Benefit is based on the following priorities:

Dependants Share Of Daily Rate Details

 

Widow / widower

 

3/5

Receives benefit for life even though widow or widower remarries (on or after 1 May 2005)

Child

 

An eligible child includes biological, dependant step-child, adopted child, or an illegitimate child is entitled to receive benefit

2/5

(If the widow or widower dies, the child's share becomes 3/5)

  • Eligible to receives benefit up to age 21 or marriage (whichever occurs earlier)
  • If the child is currently studying in an institute of higher learning, he/she will receive benefit until the completion of the first degree or marriage (whichever occurs earlier)
  • If a child is mentally retarded or physically incapacitated and is incapable of supporting him/herself, the benefit will be paid as long as the child is unable to support him/herself

 

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

Dependants Share of daily rate
Details
Parents 4/10
  • Eligible receives benefit for life
Brother / Sister 3/10
  • Eligible receives benefit up to age 21 or marriage (whichever occurs earlier)
Grandparents
(If parent passed away)
4/10
  • Receives benefit for life
FUNERAL BENEFIT

Funeral Benefit will be paid to the eligible person if the employee dies as a result of employment injury or while he/she is in receipt of Permanent Disablement Benefit. In the absence of such person, the benefit will be paid to the person who actually incurs the funeral expenditure.

The amount paid will be the actual amount incurred or RM2,000 whichever is lower.

EDUCATION BENEFIT

This benefit is in the form of loans may be provided to a dependant child of an insured person who:

  • Dies as a result of employment injury
  • Is in receipt of periodical payments for Permanent Disablement Benefit

Service Charge SOCSO Education Loan

Effective 1st January 2013, service charge education loan for all borrowers who received education loan offered before 1st January 2009 has been reduced from 4% to 2%. Meanwhile, for new borrowers who received education loan offered after 1st January 2009, services charged still remain at 2%.

 Note: Application is subjected to terms and conditions specified by SOCSO.

Forms related to benefit claims can be download at the link below :


[Disclaimer] -SOCSO is not responsible for any damage or loss caused by using the information in this website. Screen Resolution: 1024 x 768 | Browser : Mozilla Firefox  and Google Chrome.  Website updated on 27 November 2020.

Copyright 2020 © Social Security Organisation | All rights reserved