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Do you know how COID works if an accident leaves your employee permanently disabled?

by , 29 April 2014
You probably know how the Compensation for Occupational Injuries and Diseases Fund (COID) works when an employee is injured while working outside of South Africa. But, do you know how COID works when an employee is permanently disabled on the job? It may not be something you want to think of, but it's vital you know what to do. Read on to find out so you'll know how to handle these situations.

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Discover how to get COID to award every incident your company claims for...

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COID works as follows in instances where an employee is permanently disabled

The Health & Safety Advisor says if an employee is seriously disabled (loses a leg or arm) or dies as a result of a work accident and his dependants are financially dependent on him, the Commissioner will pay compensation.

For example, if John breaks his legs in an accident at work; his wife and children will be compensated, if:

John is the sole bread winner;
His children are underage or still in school, college or university and he's paying their fees; and
His wife isn't working or can't work.

But things are a little different if your employee is temporarily disabled.

If your employee is temporarily disabled, (including total or partial disablement) and the disablement lasts for three days or less, he won't receive periodical payments from the Commissioner.

For example, Zack's employee trips on the stairs and hurts his ankle but it heals within three days. In this case, the Commissioner will make a once-off compensation payment to Zack.

But there's one more crucial COID point you need to know about....

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Do you want to be fined, jailed or have a criminal record for life?

If an accident occurs in your workplace, and the person dies, you could be charged with culpable homicide, charged penalties of R100 000 or 2 years in jail! The CEO or Owner of a company is personally accountable for health and safety at work.

Click here for the three things you must prove to establish your innocence.

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If your employee is injured because of his own negligent actions, the Commissioner won't compensate him

If, for example, your employee jumps down a flight of stairs instead of walking down, don't expect COID to pay out. It considers this misbehavior and there will be no compensation. But you must still report the incident.

Now that you know how COID works when an employee dies or is permanently disabled, make sure you meet all your COID requirements. Remember that COID only pays out when your company is compliant with the COID Act.

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