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COID: How does it work?

by , 10 September 2014
If your employee has an injury on duty (IOD) he can get compensation. This compensation comes from COID. Your employee must claim for this compensation, the same way you claim from insurance.

This sounds fairly straightforward, but there are rules you might not know about when it comes to COID.

To help resolve some of the confusion around claiming injury compensation from COID, we're here to tell you more about how it works...

 

Here's the information you need to understand how COID works

 
The Compensation Fund for Occupational Injuries or Diseases (COID) covers employees for injuries, diseases and death that happened because of their work. 
 
Your employee can make the claims for compensation himself or you can submit it on his behalf. 
 
However, COID doesn't allow certain employees to claim from this fund. These include:
 
- Domestic workers at a private home;
- Workers who don't work under employers; and 
- Employees who work outside of South Africa for more than 12 months at a time. 
 
Members of the South African National Defense Force and Police Services have a separate fund and can't claim from COID.
 
Now that you know that, here's how the claims process works…
 
*********** Hot off the press  ************
 
COID rejects 80% of all claims! Will it reject yours?
 
 
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Here's how COID works when it comes to injury claims

 
COID will only pay a claim if you submit it through the right procedures at the right time. You must also make a claim within 12 months of the accident. 
 
COID won't pay if the accident was your employee's fault or he's only unable to work for less than four days. Nor will your employee receive compensation if he refuses medical treatment. Remind your employees of this so they don't lose their compensation.
 
Now that you understand how COID works, help your employees claim correctly for their injuries and get the compensation they deserve.

PS: We strongly recommend you check out the COID Compliance Guide. It has everything you need to fully comply with the COID Act.

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