- Friday, 17 April 2015
3.0 What is the EIS?
Answer: The EIS is a Social Security Scheme available to you. Started in February 1980, the EIS is designed to provide cash and material benefits to employees who sustain injuries or become disabled as a result of job related accidents or occupational diseases or their family when they die from job-related accident.
3.1 What are job-related accidents / injuries and occupational diseases?
Answer: Job-related accidents or injuries are those injuries that you sustain when going to work, while at work, or near the place of work and/or when on your way home from work within a reasonable time frame. Occupational diseases are diseases that you might get as a result of the work you perform.
3.2 Am I required to pay contributions in order to be covered by the EIS?
Answer: Employees do not pay any contribution in order to be covered under the EIS. under the law, your employer pays to NASSCORP a monthly amount of 1.75% of your gross monthly earnings on your behalf, which is NOT deducted from your earnings. This is an example of typical EIS calculations.
Monthly Earnings Employer's Monthly Contribution $ 200.00 $ 3.50 $ 180.00 $ 3.15
3.3 What are the benefits available to me under the EIS?
Answer: You benefits under the EIS are:
- Medical Benefit (MB)
- Temporary Disablement Benefit (TDB)
- Permanent Disablement Benefit (PDB)
- Constant Attendance Allowance (CAA)
- Death Benefit (DB)
- Funeral Grant (FG)
3.4 How do the EIS benefits work?
- A. Medical Benefit (MB)
NASSCORP is responsible to pay your medical bills accumulated from treatment received as a result of job-related accident or occupational diseases. If you pay your medical bill and the receipts carry your name, you will be reimbursed by NASSCORP; if on the other hand your employer pays the bill, the employer will be reimbursed. In addition to the payment of your medical bill, NASSCORP will provide medical materials such as wheelchairs, eye glasses, prosthesis, etc. based on the nature of your injury.
- B. Temporary Disablement Benefit (TDB)
If you are unable to work for 14 days or more due to an injury from a job-related accident, you are entitled to TDB. The amount of this benefit is 65% of your last twelve months averaged earnings before the accident. If your medical treatment continues for more than 14 days, you must obtain a medical report from an accredited medical institution signed by a licensed medical practitioner and and submit it to NASSCORP for processing and payment of additional TDB to you until you return to work. If your condition remains unimproved and you are unable to return to work, you must present an updated medical report every twenty-eight days from an accredited medical institution signed by a licensed medical doctor.
- C. Permanent Disablement Benefit (PDB)
In order to qualify for PDB you must be examined by the NASSCORP Medical Board in order to determine the extent of your disability if any. if it is determined that you are in fact disabled, you will be awarded PDB which is paid to you for life. Note: If you are not immediately invited to sit for a NASSCORP Medical Board examination, you must write a letter to the nearest NASSCORP regional office requesting a Medical Board examination. your letter will be sent to the NASSCORP Medical Department which will invite you for the Medical Board examination at a time and date decided by NASSCORP management. If you live outside of Monrovia, NASSCORP will pay your transportation accommodations and meal costs to sit the Medical Board examination.
- D. Constant Attendance Allowance (CAA)
If you are permanently disabled and you cannot take care of yourself (such as would be the case if you were paralyzed from an accident), a person recommended by you will be hired by NASSCORP to server as your personal attendant.
The amount of compensation for the person serving as your personal attendant is 25% of your monthly benefit. Note: This 25% is an addition to your entitlement and is not deducted from your benefit. For example, if you are entitled to a monthly PDB of US$ 200.00, your personal attendant will receive US$ 50.00 each month, making your total monthly benefit US$ 250.00. your benefit will be calculated in the last currency in which you contributions were paid.
- E. Death Benefit (DB)
If you die as a result of a job-related injury or occupational disease, your widow/widower will receive 20% of your last twelve months average monthly earnings and your children (up to three(3) children) will receive 10% each. See the example below:
Ave. Monthly Earnings Widow /Widower Receive: Each Child Receive: $ 250.00 $ 50.00 $ 25.00 $ 100.00 $ 20.00 $10.00
If you have more than one widow, the 20% is divided among the widows equally. The widow/widower will receive this benefit for life, but the benefit will stop if she/he remarries. If you have more than three children, a maximum of 30% is divided among the children equally. The children will receive that benefit until they reach the age of 21. If there is no widow/widower and no child, then a member of the family (the mother, father, grandmother or grandfather) will receive the benefit that would have been awarded to the widow or widower. Note: If there is not widow/widower but there are children, the children will receive 100% of the benefit divided equally.
Important: To receive a Death Benefit (DB), the survivor and the employer MUST submit the following to nasscorp:
- Formal transmittal letter from employer (to confirm data of employment)
- Form B-26 (to provide accident report from employer)
- Certificate of Death /Affidavit of Death
- Certificate of Marriage (traditional or civil law)
- Group color photo (Widow/widower and child law)
- Police report in case of motor accident or
- Two eyewitness statements in case of industrial accident
- C1 Form (Bio data and earning records)
- F. Funral Grant (FG)
The Funeral Grant is a fixed amount of US$ 500.00 or its equivalent in Liberian Dollars which is given to the person who incurs funeral expenses. The grant will be paid based on the currency in which contributions were paid on the deceased's behalf when she/he was alive and working.
3.5 How do I claim my benefit under EIS?
Answer: When you sustain a job-related injury, report the matter immediately to your employer who will report it to the nearest NASSCORP regional office. Note: Your employer must report the incident to that regional office within 48 hours of the occurrence of the incident. You and your employer are required to ensure that the following are done in order to claim EIS benefits:
- Employer submits formal Employer's Transmittal letter & Form B-26
- The doctor/medical institution issues medical bills & payment receipt(s)
- You obtain police report in case of motor accident or two eyewitness statements if it is an industrial accident.
- Employer submits Form C-1 (Earning Records of Claimant)
- Employer submits all of the above mentioned to the nearest NASSCORP Regional Office for processing.
3.6 Where are the NASSCORP Regional Offices?
Answer: There are regional offices of NASSCORP located in strategic areas throughout the country. The regional offices and locations are:
Region Location Region - 1 A & B Monrovia, Montserrado County Region - 2 Buchanan, Grand Bassa & Rivercess Counties Region - 3 Tubmanburg, Bomi & Cape Mount Counties Region - 4 Kakata, Margibi County Region - 5 Gbarnga, Bong & Lofa Counties Region - 6 Ganta, Nimba County Region - 7 Zwedru, Grand Gedeh County Region - 8 Harper, Maryland & grand Kru Counties Region - 9 Greenville, Sinoe County