The National Insurance BoardOf Trinidad and Tobago1
The National Insurance Boardof Trinidad and TobagoWhat is National InsuranceWhat is National InsuranceEmployer Obligations...
The National Insurance Boardof Trinidad and TobagoWhat is Social Security?“…the protection which society provides for itsm...
The National Insurance Boardof Trinidad and TobagoWhat is National Insurance inTrinidad and Tobago?
The National Insurance Boardof Trinidad and Tobago» It provides retirement income, sicknessand disability coverage for eli...
The National Insurance Boardof Trinidad and TobagoWho MustRegister?Under the National Insurance Act, Chapter 32:01asamende...
The National Insurance Boardof Trinidad and TobagoImportant Terms• Employee• Employer• InsurableEmployment
The National Insurance Boardof Trinidad and TobagoWho is anEmployee?Employed person – a person in receipt ofearnings in re...
The National Insurance Boardof Trinidad and TobagoWho is anEmployer?EMPLOYERS under the NationalInsurance Act, are persons...
The National Insurance BoardOf Trinidad and TobagoEmployerObligations10
The National Insurance Boardof Trinidad and Tobago• Ensure that your company and all your existingemployees are registered...
The National Insurance Boardof Trinidad and Tobago• Every employer must beregistered includingthose who employ only domest...
The National Insurance Boardof Trinidad and TobagoWho is an InsurableEmployee?A person who earnsat least $150 per week,is ...
The National Insurance Boardof Trinidad and TobagoRegistration - Where• Registration should take place at any NationalInsu...
The National Insurance Boardof Trinidad and TobagoWhat AreContributions?•  A contribution is a weekly payment fixedin rela...
The National Insurance Boardof Trinidad and TobagoEarningsFor National Insurancepurposes, earningsincludemorethan thebasic...
The National Insurance Boardof Trinidad and TobagoContribution Rates
The National Insurance Boardof Trinidad and TobagoEmployers are required by Law to paycontributions on behalf of all emplo...
The National Insurance Boardof Trinidad and TobagoImportantContributions for all employees and unpaidapprentices, are due ...
The National Insurance Boardof Trinidad and TobagoMultipleEmploymentWhere an employee has multiple employment allemployers...
The National Insurance Boardof Trinidad and TobagoContributions• Make the appropriate deductions from youremployees’ wages...
The National Insurance Boardof Trinidad and TobagoContributionsAn employed person who:• Isunder 16 yrsold• Over 65 yrs• In...
The National Insurance BoardOf Trinidad and TobagoGuide toBenefits23
The National Insurance Boardof Trinidad and TobagoBenefits provided under the NISLong Term Short Term Employment InjuryRet...
The National Insurance BoardOf Trinidad and TobagoEmployment InjuryBenefits25
The National Insurance Boardof Trinidad and TobagoA uniquetypeof benefit paid to:• An insured person who is rendered incap...
The National Insurance Boardof Trinidad and TobagoDeathBenefitEmployment Injury BenefitsInjury Disable-mentMedicalExpenses
The National Insurance Boardof Trinidad and TobagoInjuryAn insured person who is rendered incapableof work through:• perso...
The National Insurance Boardof Trinidad and TobagoWho can Apply?An insured person who is away from the jobfor no less than...
The National Insurance Boardof Trinidad and TobagoMaking theApplicationForm to becompleted:• Form NI 19– Application for I...
The National Insurance Boardof Trinidad and TobagoBENEFIT DISQUALIFICATIONEmployment Injury Benefit disqualification myocc...
The National Insurance Boardof Trinidad and TobagoWhen to Apply?• The Application must be made within 14 daysof the date o...
The National Insurance Boardof Trinidad and TobagoHow Muchwill be Paid?The benefit payment is determined by usingthe class...
The National Insurance Boardof Trinidad and TobagoBenefit RatesEarnings Class Injury Pension Weekly PaymentsInjury Pension...
The National Insurance Boardof Trinidad and TobagoHow long will theBenefit be Paid?Thebenefit ispaid for amaximum of52 cal...
The National Insurance Boardof Trinidad and TobagoDisablement Benefit• The Disablement Pension — This benefit ispaid until...
The National Insurance Boardof Trinidad and TobagoQualifyingConditionsDisablement Pension ispaid:• Where the insured is as...
The National Insurance Boardof Trinidad and TobagoMaking theApplication• Formsto BeCompleted– NI 119 - Disablement Benefit...
The National Insurance Boardof Trinidad and TobagoLate Applications• Failure to submit your claim to the Board within 3mon...
The National Insurance Boardof Trinidad and TobagoHow muchwill be paid?Disablement Grant• Onelump-sum payment will bemade.
The National Insurance Boardof Trinidad and TobagoHow muchwill be paid?Disablement Pension:• You will be paid a percentage...
The National Insurance Boardof Trinidad and TobagoHow muchwill be paid?• If you are already in receipt of Disablement Bene...
The National Insurance Boardof Trinidad and TobagoLife Certificates• Once you begin to receive a Disablement Pension you m...
The National Insurance Boardof Trinidad and TobagoMedical ExpensesMedical Expensesarepaid to :• an insured person who incu...
The National Insurance Boardof Trinidad and TobagoMedical Expenses• Medical expenses are paid up to a maximumof $33,750.00...
The National Insurance Boardof Trinidad and TobagoMedical Expenses• Medical expensesIncludetheFollowing:• a. DoctorsFees• ...
The National Insurance Boardof Trinidad and TobagoQualifyingConditionsThe expenses must relate to medical attentionreceive...
The National Insurance Boardof Trinidad and TobagoMaking theApplication• N.I. 114 Application for Medical Expenses• Submit...
The National Insurance Boardof Trinidad and TobagoFailureto submit your claim to theBoardwithin 12 monthsWILL result in th...
The National Insurance Boardof Trinidad and TobagoDeath Benefit• TheDeath Benefit isaperiodical payment• It is made to spe...
The National Insurance Boardof Trinidad and TobagoDeath Benefit• Survivorsinclude:– Widows– Widowers– Children– Dependent ...
The National Insurance Boardof Trinidad and TobagoQualifyingConditionsThe deceased insured person must have diedas a resul...
The National Insurance Boardof Trinidad and TobagoMaking theApplication• N.I. 117 Employment Injury Death BenefitClaim For...
The National Insurance Boardof Trinidad and TobagoSupportingDocumentation• Death Certificateof deceased insured person• Bi...
The National Insurance Boardof Trinidad and TobagoMaking theApplicationWhen To Apply?• You must apply for the benefit with...
The National Insurance Boardof Trinidad and TobagoHow Muchwill be paid?The value of the Death Benefit will bedetermined by...
The National Insurance Boardof Trinidad and TobagoHow Long will theBenefit be paid?• Spouse/Dependent Parent– Thebenefit i...
The National Insurance Boardof Trinidad and TobagoLife Certificates• A recipient of the Death Benefit must submit a LifeCe...
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Employment injury & benefits ni b representative

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  • The existence of social security is supported by the institutions of most of the world’s nations. Social security was recognized as a fundamental right of the human being by the universal declaration of human rights adopted by the united nations general assembly in 1948 Not surprisingly, the interpretation of the term”social security” varies from country to country,however, according to ILO guidelines, social security can be taken to mean: However by law, in Trinidad and Tobago we are required to cover only retirement benefits… The decision was taken to cover other long-term and include short term benefits.
  • National Insurance the Social Security system of Trinidad and Tobago that covers most of the nations’ work force. Now take a breath.. Let’s simplify that. By describing the national Insurance system of T&T We are not to be confused with Social welfare, a fully government funded relief program
  • National Insurance the Social Security system of Trinidad and Tobago that covers most of the nations’ work force. Now take a breath.. Let’s simplify that. By describing the national Insurance system of T&T We are not to be confused with Social welfare, a fully government funded relief program
  • National Insurance Act (Chapter 32:01) as amended Section 2 (1) “ employed person” means a paid apprentice, a self employed person or anyone under a contract of service.
  • National Insurance Act (Chapter 32:01) as amended Section 2 (1)”employer” means a person who employs at least one person under a contract of service or to whom another is apprentices;” Section 29 (2) “A person employed in any of the following employments shall be regarded as being engaged in uninsurable employment and shall not be registered for the purposes of this Act: (a) employment in respect of which remuneration is less than one hundred and fifty dollars a week;”
  • National Insurance Act (Chapter 32:01) as amended Section 30 (1) “Subject to this section, every employer shall make an application in the form determined by the Board – for registration as an employer within fourteen days of employing his first employee for registration of each employed person including a domestic worker or casual agricultural worker and each unpaid apprentice of whom he is the employer within fourteen days of employment if such employed person or unpaid apprentice does not provide a National Insurance Registration Number within seven days of employment.” National Insurance Contributions) Regulations 5 (1)’ An employer shall keep at his place of business a record showing the following particulars in respect of each employed person and unpaid apprentice in his employ: (a) his full name; (b) his national insurance number; (c ) his salary or wage and the period to which the salary or wage relates; (d) the contribution paid for each week of the period to which his salary relates; and (e) the total contributions paid to which his salary or wages relates, and such record shall be available for inspection during normal working hours. (2) An employer who contravenes subregulation (1) commits an offence, and is liable on summary conviction to a fine of five hundred dollars and to imprisonment for three months.
  • National Insurance Act (Chapter 32:01) as amended Section 29 (1) Every employer and subject to subsection (2) every employed person and every unpaid apprentice, shall be registered for the purposes of the system of National Insurance Subsection (2) relates to insurable persons must earn >$150.00 Notes: insurable employee – paid employee or paid or unpaid apprentice who earns more than $150 per week
  • being engaged in uninsurable employment and shall not be registered for the purposes of this Act: (a) employment in respect of which remuneration is less than one hundred and fifty dollars a week;” Section 29 (2) “A person employed in any of the following employments shall be regarded as being engaged in uninsurable employment and shall not be registered for the purposes of this Act: (a) employment in respect of which remuneration is less than one hundred and fifty dollars a week;”
  • The payment of National Insurance contributions is compulsory for  employees and unpaid apprentices who are registered or eligible to be registered under the system.
  • National Insurance Act 32:01 Section 36 and NI (Contributions) Regulations 6
  • “ Where an employee is employed by more than one person or where his earnings are paid jointly by more than one person during any contribution year in which a contribution is payable or where such employee works under the control and management of some person other than his immediate employer, the NIB shall total all contributions paid for the employee in that year and place the employee in the highest earnings class that such total contributions would permit for the number of weeks worked.”     “ Where an employee is employed by more than one person or where his earnings are paid jointly by more than one person during any contribution year in which a contribution is payable or where such employee works under the control and management of some person other than his immediate employer, the NIB shall total all contributions paid for the employee in that year and place the employee in the highest earnings class that such total contributions would permit for the number of weeks worked.” National Insurance Act 32:01 Section 45    
  • Earnings in excess of $150 per week except those who earn less than $150 per week. NI Act Section 32:01 Section 36 (2) “An employed person who has not yet attained the age of sixteen years or who has attained the age of sixty-five years shall not be insured against any contingency other than employment injury
  • Cost of this benefit is borne solely by the employer The rates of payment are the highest of all benefits The only benefit for which medical expenses are paid Pensioners 60 years and over who return to work and unpaid apprentices are covered for this benefit NI Act 32:01 Sect 37 (1), Sect 46 (3) and Sect 47 (Industrial Disease)
  • Cost of this benefit is borne solely by the employer The rates of payment are the highest of all benefits The only benefit for which medical expenses are paid Pensioners 60 years and over who return to work and unpaid apprentices are covered for this benefit
  • Cost of this benefit is borne solely by the employer The rates of payment are the highest of all benefits The only benefit for which medical expenses are paid Pensioners 60 years and over who return to work and unpaid apprentices are covered for this benefit NI (Benefits) Regulation 4. (1) 4 (2) (a) (i)
  • NI (Bens) Regs 7 (2) and 28
  • Cost of this benefit is borne solely by the employer The rates of payment are the highest of all benefits The only benefit for which medical expenses are paid Pensioners 60 years and over who return to work and unpaid apprentices are covered for this benefit NI (Bens) Regs 7 1 (e)
  • Cost of this benefit is borne solely by the employer The rates of payment are the highest of all benefits The only benefit for which medical expenses are paid Pensioners 60 years and over who return to work and unpaid apprentices are covered for this benefit NI (Bens) Regs. 36 (2)
  • NI (Bens) Regs. 14 (f) i
  • Rates are fixed by the Minister of Finance NI (Bens) Regs. 29 and 30
  • Rates are fixed by the Minister of Finance NI (Bens) Regs. 30 (4)
  • Ni (Bens) Regs. 7 (1) (f)
  • Good Cause NI (Bens) Regs. 7 (2)
  • NI (Bens) Rrgs. 31
  • NI (Bens) Rrgs. 29
  • NI (Bens) Regs. 31 (4)
  • National Insurance Act 32:01 informs Section 46 (5)
  • NI (ME) Regs. 3
  • Rates are fixed by the Minister of Finance
  • Rates are fixed by the Minister of Finance
  • Rates are fixed by the Minister of Finance
  • NI (Bens) Regs. 7 (4)
  • NI Act 32:01 Section 46 (3) (c )
  • We’ll go through details of application in Survivorship benefits
  • We’ll go through details of application in Survivorship benefits
  • NI (Bens) Regs. 36 (1)
  • Employment injury & benefits ni b representative

    1. 1. The National Insurance BoardOf Trinidad and Tobago1
    2. 2. The National Insurance Boardof Trinidad and TobagoWhat is National InsuranceWhat is National InsuranceEmployer ObligationsEmployer ObligationsNational Insurance BenefitsNational Insurance Benefits
    3. 3. The National Insurance Boardof Trinidad and TobagoWhat is Social Security?“…the protection which society provides for itsmembers…against the economic and social distress…resulting from• Sickness,• Maternity,• Employment Injury• Invalidity• Old ageand• Death…”Excerpt from ILO 1984a definition of Social Security)
    4. 4. The National Insurance Boardof Trinidad and TobagoWhat is National Insurance inTrinidad and Tobago?
    5. 5. The National Insurance Boardof Trinidad and Tobago» It provides retirement income, sicknessand disability coverage for eligibleworkersand their dependents.» “Premiums” are a combination ofcontributions made by the employee andtheemployer» Benefits are based on the contributions anindividual makes during his or herlifetime.
    6. 6. The National Insurance Boardof Trinidad and TobagoWho MustRegister?Under the National Insurance Act, Chapter 32:01asamended:– all employers– their employees and unpaid apprentices, except thoseexemptedundersection29:01and  29:02of theAct,must register with theNIB. 
    7. 7. The National Insurance Boardof Trinidad and TobagoImportant Terms• Employee• Employer• InsurableEmployment
    8. 8. The National Insurance Boardof Trinidad and TobagoWho is anEmployee?Employed person – a person in receipt ofearnings in respect of employment andincludes domestics, casual agriculturalworkersand paid apprenticesNational InsuranceAct 9 of 1999
    9. 9. The National Insurance Boardof Trinidad and TobagoWho is anEmployer?EMPLOYERS under the NationalInsurance Act, are persons or organisationswho employ the following types ofpersons: -– persons earning $150.00 or more perweek– paid and/or unpaid apprentices
    10. 10. The National Insurance BoardOf Trinidad and TobagoEmployerObligations10
    11. 11. The National Insurance Boardof Trinidad and Tobago• Ensure that your company and all your existingemployees are registered with the National InsuranceBoard• Register yourself and your employees within fourteendaysof hiring your first employee• Register new employees within fourteen days ofhiring them• Prepareand maintain accuratepay records
    12. 12. The National Insurance Boardof Trinidad and Tobago• Every employer must beregistered includingthose who employ only domestic and casualworkers• All insurable emplo yees must beregistered
    13. 13. The National Insurance Boardof Trinidad and TobagoWho is an InsurableEmployee?A person who earnsat least $150 per week,is considered to be in insurableemployment and therefore eligible forcoverage under the National Insurance Act(Chapter 32:01)
    14. 14. The National Insurance Boardof Trinidad and TobagoRegistration - Where• Registration should take place at any NationalInsuranceServiceCentre• Registration formsarealso availableonlineatwww.nibtt.co.tt
    15. 15. The National Insurance Boardof Trinidad and TobagoWhat AreContributions?•  A contribution is a weekly payment fixedin relation to the wages/salaries of theinsured person.• Salaries and wages are structured into 16earnings classes each of which carries anassumed averageweekly earning.
    16. 16. The National Insurance Boardof Trinidad and TobagoEarningsFor National Insurancepurposes, earningsincludemorethan thebasic wageor salary. Earningsalso includebut isnot limited to:• Acting Allowances• Overtimepayments• Cost of living allowances• Commission on Sales• Production or efficiency bonuses• Danger or dirt money• Paymentsfor standby duty• Allowancesfor dependents
    17. 17. The National Insurance Boardof Trinidad and TobagoContribution Rates
    18. 18. The National Insurance Boardof Trinidad and TobagoEmployers are required by Law to paycontributions on behalf of all employeesand unpaid apprenticesand ;submit a monthly statement ofcontributions due and paid for allemployed persons.
    19. 19. The National Insurance Boardof Trinidad and TobagoImportantContributions for all employees and unpaidapprentices, are due from the start of theiremployment, apprenticeship or probationaryperiod.
    20. 20. The National Insurance Boardof Trinidad and TobagoMultipleEmploymentWhere an employee has multiple employment allemployers must pay contributions on behalf of theemployee. 
    21. 21. The National Insurance Boardof Trinidad and TobagoContributions• Make the appropriate deductions from youremployees’ wagesat source• Remit the whole of the combined deduction to theNational InsuranceBoard Service Centre on or beforethelast working day of themonth• Ensure that the required information relating to theemployees for which thecontributions arebeing paidis remitted to the NIB at the time that suchcontributionsarebeing paid
    22. 22. The National Insurance Boardof Trinidad and TobagoContributionsAn employed person who:• Isunder 16 yrsold• Over 65 yrs• In receipt of a Retirement Benefit and returns to insurableemploymentshall only be insured for the injury benefit. The contributionshall bepaid only by theemployer in classZ:
    23. 23. The National Insurance BoardOf Trinidad and TobagoGuide toBenefits23
    24. 24. The National Insurance Boardof Trinidad and TobagoBenefits provided under the NISLong Term Short Term Employment InjuryRetirement- Pension- GrantInvaliditySurvivors- Widow/Widower- Child / Orphan- Dependant ParentsSicknessFuneral GrantMaternity- Grant- AllowanceSpecial Maternity GrantInjury AllowanceMedical ExpensesDisablement- Pension- GrantDeath Benefit- Widow/Widower- Child- Dependant Parents
    25. 25. The National Insurance BoardOf Trinidad and TobagoEmployment InjuryBenefits25
    26. 26. The National Insurance Boardof Trinidad and TobagoA uniquetypeof benefit paid to:• An insured person who is rendered incapableof work through personal injury or mentalincapacity which arises out of and in thecourseof employment or• through the development of a prescribedindustrial disease caused by the nature of thejob
    27. 27. The National Insurance Boardof Trinidad and TobagoDeathBenefitEmployment Injury BenefitsInjury Disable-mentMedicalExpenses
    28. 28. The National Insurance Boardof Trinidad and TobagoInjuryAn insured person who is rendered incapableof work through:• personal injury or mental incapacity whicharises out of and in the course of employmentor• through the development a prescribedindustrial disease caused by the nature of thejobEmployment Injury Benefits
    29. 29. The National Insurance Boardof Trinidad and TobagoWho can Apply?An insured person who is away from the jobfor no less than 3 days as a result of injuryarising out of and during the course of hisemployment.
    30. 30. The National Insurance Boardof Trinidad and TobagoMaking theApplicationForm to becompleted:• Form NI 19– Application for Injury Benefitand or• NI19A – Medical Certificate for continuinginjury/diseaseThe relevant section of the forms must becompleted by aregistered medical practitoner.
    31. 31. The National Insurance Boardof Trinidad and TobagoBENEFIT DISQUALIFICATIONEmployment Injury Benefit disqualification myoccur where:o Incapacity resulted from their own seriousand willfulmisconduct.o Without reasonablecausebehavesin amanner likely to retardtheir recovery.o Engagesin work for which remuneration isor wouldordinarily bepayable.o Refusesto respond to reasonableenquiriesfrom theNIBTT
    32. 32. The National Insurance Boardof Trinidad and TobagoWhen to Apply?• The Application must be made within 14 daysof the date of the accident/prescribed diseaseor thestart dateof incapacity.• Late submission of the claim can result in thelossof thebenefit
    33. 33. The National Insurance Boardof Trinidad and TobagoHow Muchwill be Paid?The benefit payment is determined by usingthe class of contribution paid or due for theweek of the accident or the week prior to theaccident, whichever ishigher
    34. 34. The National Insurance Boardof Trinidad and TobagoBenefit RatesEarnings Class Injury Pension Weekly PaymentsInjury Pension MonthlyPaymentsClass I 133.33 577.76Class II 193.33 837.76Class III 260.00 1,126.67Class IV 336.67 1,458.90Class V 413.33 1,791.10Class VI 500.00 2,166.67Class VII 593.33 2,571.10Class VIII 686.67 2,975.57Class IX 786.67 3,408.90Class X 890.00 3,856.67Class XI 993.33 4,304.43Class XII 1,106.67 4,795.57Class XIII 1,226.67 5,315.57Class XIV 1,360.00 5,893.33Class XV 1,486.00 6,439.33
    35. 35. The National Insurance Boardof Trinidad and TobagoHow long will theBenefit be Paid?Thebenefit ispaid for amaximum of52 calendar weeksIf the incapacity continues beyond 52 weeks,the insured can be assessed to determine his orher entitlement for a Disablement benefit
    36. 36. The National Insurance Boardof Trinidad and TobagoDisablement Benefit• The Disablement Pension — This benefit ispaid until thedisability ceases.• The Disablement Grant — This grant is paidasonelump-sum
    37. 37. The National Insurance Boardof Trinidad and TobagoQualifyingConditionsDisablement Pension ispaid:• Where the insured is assessed as having a loss of faculty of20% and moreDisablement Grant isPaid:• Where theinsured isassessed ashaving lessthan 20% lossoffaculty or disability• Where disablement is assessed at less than 1%, the insuredshall bedeemed assuffering no lossof faculty.
    38. 38. The National Insurance Boardof Trinidad and TobagoMaking theApplication• Formsto BeCompleted– NI 119 - Disablement Benefit Claim Form• You must apply for the benefit within 3 months fromtheend dateof theInjury Benefit Period.
    39. 39. The National Insurance Boardof Trinidad and TobagoLate Applications• Failure to submit your claim to the Board within 3months 3 months from the end date of the InjuryBenefit Period may result in lossof benefit.• A letter explaining thelatesubmission isrequired.EmploymentInjuryBenefits
    40. 40. The National Insurance Boardof Trinidad and TobagoHow muchwill be paid?Disablement Grant• Onelump-sum payment will bemade.
    41. 41. The National Insurance Boardof Trinidad and TobagoHow muchwill be paid?Disablement Pension:• You will be paid a percentage of the Injury Benefit asaDisablement Pension.
    42. 42. The National Insurance Boardof Trinidad and TobagoHow muchwill be paid?• If you are already in receipt of Disablement Benefitand submit a subsequent claim for Disablementarising out of anew injury for which you areassessedat 20% or more…• You shall be required to be re-assessed to establish atotal permanent /partial disability and the currentDisability Benefit revised to reflect the newassessment.
    43. 43. The National Insurance Boardof Trinidad and TobagoLife Certificates• Once you begin to receive a Disablement Pension you mustsubmit aLifeCertificatein themonths of July and January ofevery year. This is to ensure that there is no disruption inyour payments.• To do thisyou must:– Complete a copy of the Life Certificate and return it to the ServiceCentre.
    44. 44. The National Insurance Boardof Trinidad and TobagoMedical ExpensesMedical Expensesarepaid to :• an insured person who incurs the cost ofmedical treatment for the personal injury orprescribed industrial disease arising out of andin thecourseof employment
    45. 45. The National Insurance Boardof Trinidad and TobagoMedical Expenses• Medical expenses are paid up to a maximumof $33,750.00 per injury
    46. 46. The National Insurance Boardof Trinidad and TobagoMedical Expenses• Medical expensesIncludetheFollowing:• a. DoctorsFees• b. Thecost of drugsand dressings• c. Hospital Expenses• d. Operations• e. The cost of necessary Para-medical treatment e.g.physiotherapy, appliances• f. The cost of travel incidental to an insured person receivingcareand treatment.• g. Constant Careand AttendanceAllowance
    47. 47. The National Insurance Boardof Trinidad and TobagoQualifyingConditionsThe expenses must relate to medical attentionreceived for injuries caused by an accidentarising out of and in the course ofemployment or for a prescribed industrialdisease
    48. 48. The National Insurance Boardof Trinidad and TobagoMaking theApplication• N.I. 114 Application for Medical Expenses• Submit the completed application form toany of our Service Centres within threemonths of the date on which the expenseswereincurred
    49. 49. The National Insurance Boardof Trinidad and TobagoFailureto submit your claim to theBoardwithin 12 monthsWILL result in thelossofyour benefit.EmploymentInjury Benefits
    50. 50. The National Insurance Boardof Trinidad and TobagoDeath Benefit• TheDeath Benefit isaperiodical payment• It is made to specific survivors of a deceasedinsured person who died as a result of an accidentor of a prescribed industrial disease arising out ofor in thecourseof employment.
    51. 51. The National Insurance Boardof Trinidad and TobagoDeath Benefit• Survivorsinclude:– Widows– Widowers– Children– Dependent parents
    52. 52. The National Insurance Boardof Trinidad and TobagoQualifyingConditionsThe deceased insured person must have diedas a result of an injury arising out of and in thecourseof hisor her employment
    53. 53. The National Insurance Boardof Trinidad and TobagoMaking theApplication• N.I. 117 Employment Injury Death BenefitClaim Form• Copy of :– birth certificate,– marriagecertificateand– death certificate
    54. 54. The National Insurance Boardof Trinidad and TobagoSupportingDocumentation• Death Certificateof deceased insured person• Birth Certificateof widow and eligiblechildren• Medical Certificatefor mentally or physically disabled child• Medical Certificate for pregnant spouse, certifying pregnancyand expected dateof confinement.• MarriageCertificatefor Legally Married Persons
    55. 55. The National Insurance Boardof Trinidad and TobagoMaking theApplicationWhen To Apply?• You must apply for the benefit within 12months of the date of death of the insuredperson.• Failure to submit the application on time canresult in thelossof all or part of thebenefit
    56. 56. The National Insurance Boardof Trinidad and TobagoHow Muchwill be paid?The value of the Death Benefit will bedetermined by the rate of contribution paid ordue for thedeceased insured in theweek of orthe week prior to the date of death whicheverisgreater.
    57. 57. The National Insurance Boardof Trinidad and TobagoHow Long will theBenefit be paid?• Spouse/Dependent Parent– Thebenefit ispaid for lifeor until remarriage• Dependent child:– Thebenefit ispaid until age19– Marriage– Cessor of incapacity for an invalid child
    58. 58. The National Insurance Boardof Trinidad and TobagoLife Certificates• A recipient of the Death Benefit must submit a LifeCertificateat intervalsidentified by theBoard.• Where a Life Certificate is not received by the duedate, thepayment will besuspended.• Upon receipt of the completed Life Certificate, thepayment will bereinstated.• No lossof payment will occur.

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