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Here's how COID determines how much money your permanently disabled employee will get

by , 29 September 2014
When it comes to permanent disabilities, COID will give your employee compensation. But he'll either get it as a lump sum or a monthly pension. This depends on something COID calls 'disability percentage'.

The Compensation Commissioner, with a panel of doctors, will determine your employee's disability percentage.

But what does this percentage represent?

Today we're revealing exactly what that percentage means so you and your employee can understand the Commissioner's decision...


Here's what a disability percentage represents

A disability percentage ranges from 1% (not serious) to 100% (extremely serious). The Commissioner and his panel will use the doctor's report and other supporting documents to decide the percentage.
So what does it actually mean? 
The percentage represents two things:
- The damage to your employees body; and
- How it will affect his life and ability to work.
For example, a 1% disability could be the loss of a toe (not the big toe though). And a 100% could be full blindness or the loss of both limbs.
So if the Commissioner rates your employee's disability as, let's say 10%, it means it may be an inconvenience but it won't greatly affect his quality of life or ability to work.
On the other hand, if he rates it 80%, for example, it means the disability has a great impact on your employee's body and life. 
Here's what this percentage means for your employee's compensation.
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This is how the disability percentage affects your employee's compensation

If the Commissioner decides the disability is 30% or lower, your employee will get a once off lump sum.
If it's 31% or higher the Commissioner will pay him a monthly pension.
The Commissioner is fair when it comes to evaluating disability percentages and the doctors are there to ensure his decision is accurate.
Now that you know what this percentage means you and your employee will understand the Commissioners judgment better. 

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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