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If Paul's behaviour caused his accident, there are only two situations when COID will pay him compensation

by , 10 December 2014
We've said it over and over again: If your employees cause their own accidents, they won't get compensation from COID.

COID is very strict about this rule. The reason is, if they gave employees compensation after causing their own accident, it would be too easy for people to take advantage.

So let's say your employee Paul is acting the fool. He trips and falls against one of your machines and breaks his arm. Normally he won't get any compensation.

But this isn't always the case. There are two situations when COID will still pay out compensation, even if Paul caused his own accident.

Read on to find out what these situations are so you'll know when to help your employee or his dependants claim from COID...


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COID will pay out for an accident your employee caused in two situations

Situation 1: Your employee is permanently disabled from the accident
 
If Paul's accident leaves him with a permanent disability, like losing his arm completely, he probably won't be able to work anymore. This may leave him and his family without income.
 
The amount of compensation depends on the type of disability. When COID works out how much compensation to pay Paul, it will look at his disability percentage to determine the seriousness of the disability and how much it affects your employee.
 
For example, if Paul lost his big toe, his disability is 5%. But losing his arm is a 50% disability. This means Paul will get a monthly pension from COID even though he caused his own accident.
 
And that's not the only time COID will pay out if Paul caused his own accident.
 
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Situation 2: If Paul dies, his dependants can claim from COID

 
COIDA doesn't just protect employees, it protects their dependants too. So if Paul causes his own accident and dies, it might leave his dependants without a breadwinner.
 
Paul's dependants can claim from COID in this situation. After all, why should they suffer because of Paul's behaviour?
 
So who can actually claim these benefits?
 
If Paul has a wife, whether through cultural practice, civil law or community, she can claim these benefits.
If Paul has any children under the age of 18, they can get benefits. This is regardless of whether the child came from his marriage, out of wedlock, adoption or his partner's previous marriage.
 
Lastly, anyone, such as an ageing parent, who was financially dependant on Paul can also get these benefits.
 
To claim this compensation, you must help the dependants submit the right documents. These include documents such as:
 
  • A marriage certificate; and
  • Birth certificate.
 
To find out what other documents you need to send to COID if your employee dies, check out the COID Compliance Guide. It contains everything you need to know about your legal obligations in these two situations. 


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