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Here it is: The one question COID will ask you about injuries on duty

by , 09 September 2014
If your employee has an injury, he'll need compensation to cover his injuries. That's where COID comes in. It'll ensure your employee gets the compensation he needs.

But this is only if it considers your employee's injury an 'injury on duty' (IOD). This isn't a simple definition. There are things you need to consider when it comes to determining if your employee's injury is an IOD or not.

How will you know? Well that's why COID will ask you this question...

 

Here's the most important question COID will ask to determine if your employee's injury is an IOD

 
COID will only pay compensation for injuries that come from your employee's work. That's why the most important question they'll ask is:
 
'Was your employee acting in terms of his employment?'
 
What this means is, was he doing something that either, you, as his boss, told him to do, or is part of his job?
 
If he was, COID will classify this as an IOD. If not, your employee won't get any workmen's compensation.
 
Here's an example to illustrate what I mean...
 
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Do you know when to claim from COID? Shocking survey reveals 5 out of 7 managers don't! 
 
 
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This example will show you what 'acting in terms of his employment' really means

 
If, for example, your employee has to drive to clients for meetings as part of his job, he's acting in terms of his employment when he's driving around.
 
 
If, on the other hand, your employee is just driving home after work, he's not acting in terms of his employment and COID won't cover any accidents that happen then. 
 
Even if your employee is on your premise and has an accident while he isn't acting in terms of his employment (such as slipping down the stairs as he's leaving work) COID won't pay.
 
If you can honestly tell COID your employee's injury happened when he was acting in terms of his employment, he'll get compensation.


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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