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:
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 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.
Diseases resulted from his occupation as described in the Fifth Schedule of Employees’ Social Security Act 1969.
Amongst the occupational diseases include:
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.
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.
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 RM132 per day.
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 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
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.
These facilities are given to eligible employees in the form of:
i. Physical rehabilitation that includes:
ii. Vocational rehabilitation that includes:
All expenses incurred for the above rehabilitation facilities will be borne by SOCSO based on stipulated rates, terms and conditions.
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 RM148.50 per day.
Dependants and Daily Rate Share
i. The daily rate share for for Dependants’ Benefit is based on the following priorities:
|Share Of Daily Rate
Widow / widower
|Receives benefit for life even though widow or widower remarries (on or after 1 May 2005)
(If the widow or widower dies, the child's share becomes 3/5)
ii. If an employee dies and does not leave any widow or widower or children, the Dependants’ Benefit will be paid to:
|Share of daily rate
|Brother / Sister
(If parent passed away)
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.
This benefit is in the form of loans may be provided to a dependant child of an insured person who:
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.