Make sure you answer this question correctly on the accident form
On the accident claim form, there is one question you need to answer:
'Did the accident (and consequential injury) arise out of and in the course of the employment of the injured employee.'
If your employee is on lunch (and not on duty) the accident didn't arise out of or in the course of his employment. He wouldn't be able to claim in terms of the COID Act.
I would, however, advise that you submit the claim for the Compensation Commissioner to decide if they will compensate you for the injury. Just ensure that the relevant question on the claim form, referred to above, is answered clearly.
COID statistics show that the fund denies 80% of all claims outright!
For two reasons:
1. The employee either didn't report the claim properly.
2. Or the incident they reported is something the COID Fund doesn't cover.
I don't want this to happen to you...
That's why I've teamed up with four of South Africa's top health and safety experts to bring you the most accurate, useful COID compliance information out there so you'll always know your company is 100% compliant.
Find out more here
Whenever you place a claim for one of your employees with COID, the Compensation Commissioner examines your incident report in extensive detail.
And I know exactly what he looks for!
He checks that every detail of the workplace incident or occupational injury has been included along with all the details of your investigation.
Miss JUST ONE point on his checklist, and he'll delay your claim. And your employee's compensation will now be your problem!
That's why you need to make sure you conduct a thorough incident investigation the first time around.
And I'm going to give you the tips he shared with me! Have a look here