The Occupational Health and Safety Act (OHSA) – previously call Workmans Compensation Act – ACT – are in place to protect workers from being injured at work. However, often the ideal system envisaged by the OHSA breaks down and diseases or injuries occur. When this happens, the compensation system, established by the Compensation for Occupational Injuries and Diseases Act (COIDA) is intended to assist workers. COID is like a large insurance policy. Companies pay premiums based on their industry classification. It exists to prevent workers having to go to a civil court (and pay large legal costs) to sue their employers when injured or diseased.
What is COID?
COID (Compensation for Occupational Injuries and Diseases) is a government body that compensates workers who have been injured at work or who have contracted a disease (schedule 3 of COID Act) at work. Since August 2014 the reporting system to COID changed to an online system called Umehluko.
All businesses need to understand the logistical processes, how COID operates, how the registration system works, and the applicable tariffs. COID is there to safeguard workers when they are injured and to make sure that businesses support their compensation by paying their tariffs.
The Compensation for Occupational Injuries and Diseases Act (COIDA) 130 of 1993 sets out the legal requirements for tariffs, compensation and the limitations for claims for workers who are injured, or who contract diseases while they’re at work.
According to the Act, workers who suffer from a work-related disease or injury, have the following rights:
- The right to full free medical attention, including free transport to the hospital.
- Compensation for loss of income due to workplace injury or disease (temporary disability).
- Compensation for permanent loss of normal body functioning following a workplace injury or disease (permanent disability).
- Benefits payable to family in the case of the death of a worker due to workplace injury or disease.
- Increased compensation should the cause of the workplace injury or disease has arisen out of negligence on the part of the employer or fellow employee.
- Compensation is also payable if the workplace injury or disease was caused by a third party, but arose during the course of the duties of the employee.
There are numerous benefits to having your COID Administration managed by Incon Health for both employees and employers.
Benefits to the Employer:
- Assistance in the claiming, registering and administration of claims
- Assistance with Assessment
- Apply for a rate reduction on behalf of the employee
- Apply for rebates every 3 years (‘COID Outbonus’)
- Assist with legal requirements and compliance
- Assistance with re-opening of claims
- Assist with the administrative process – Reimbursement from Compensation Commissioner
- Assistance with Audits on old cases
- Identification of problem cases
- Alleviate Case Management workload that is time and admin intensive
- Communication with the employee regarding the progress of the claim
- Ongoing reporting and feedback
Benefits to the Employee:
- Free Medical treatment (Reasonable costs)
- Continue to receive 75% of salary/wages (while the case is open up a maximum of 2 years)
- Does not use ‘sick leave’ – COID falls under ‘other’ leave
- Assistance with the COID claims process
- Pension to spouse and dependents in case of death
- Funeral costs
- Function loss payment
- Peace of mind – ‘my case is managed by a capable team’
INCON HEALTH offers a comprehensive service providing assistance with all injuries and diseases contracted while on duty. We will assist with the administration process, documentation and liaise with the Compensation Commissioner with regards to COID claims.
We will also apply for reductions and rebates. Incon Health further assists in the claiming back of temporary disablement (75% of salary up to limit) as well as the function loss assessment payout (permanent disability) to the employee.
COID Solutions® is an integrated platform providing management information regarding Injuries or Diseases.
For any further information and a free quote please contact Incon Health on 021 975 2694.
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