Ouch or Not so Ouch
OUCH OR NOT SO OUCH? THE PROCEDURES RELATING TO WORKMENS COMPENSATION Injuries on duty constitute the "stuff" that most employers have nightmares about. All injuries on duty or diseases contracted during the course of employment are covered by the Compensation for Occupation Injuries and Diseases Act (COIDA) of 1993 (amended in 1997) which determines how (and by whom) the fund is administered and whether employee are eligible for compensation. At this juncture…. most small employers and start-ups are asking "Does this really apply to me?" The most probable answer is yes, so step one is to take a deep breath and read the below to find out for certain: The Compensation for Occupational Injuries and Diseases Act applies to: all employers; and casual and full-time workers who, as a result of a workplace accident or work-related disease: are injured, disabled, or killed; or become ill. This Act only excludes the following employees: workers who are totally or partially disabled for less than 3 days; domestic workers; anyone receiving military training; members of – the South African National Defence Force, or the South African Police Service; any worker guilty of willful misconduct, unless they are seriously disabled or killed; anyone employed outside the RSA for 12 or more continuous months; and workers working mainly outside the RSA and only temporarily employed in the RSA. Workers who are affected by occupational injuries and diseases are entitled to compensation. Anyone who employs 1 or more workers must register with the Compensation Fund and pay annual assessment fees. A separate registration is necessary for each separate branch of a business, unless an arrangement for combined registration has been made. At this point it would be wise to calm down as the requirements for registrations are really not all that stringent and there are great advantages for you if you do register…… By registering as an employer you are protected against civil claims if a worker is injured on duty and it means that your employees who are injured on duty can claim compensation for temporary or permanent disablement. Once you have registered, you will be required to pay annual assessment fees which are calculated on a formula based on workers’ earnings and the risks associated with the type of work being done. These assessment tariffs are reviewed annually and employers fall into one of numerous classes, each with its own assessment tariff. Once you have registered (and started breathing again) you will need to know what to do in the event that an employee of yours is injured or killed on duty…. The procedure for reporting an accident is as follows: Step 1: Fill in the form Employers must fill in Part A of the W.Cl.2 form (Annexure A). You can get the form at any labour centre or on the intranet. This is the responsibility of the Employer who must ensure that the form is accurately and speedily completed. Step 2: Give the form to the doctor The Employer must tear off Part B of the W.Cl.2 form and give it to the doctor or hospital as soon as possible. In emergency/serious cases Part B must be given to the hospital immediately upon the admission of the employee. Step 3: Send the completed forms to the Compensation Commissioner The Employer must submit the completed form to the Compensation Commissioner (preferably by fax or registered mail) on the day that the forms are received and must retain proof of service. Step 4: Send follow-up forms Employers must send the First Medical Report (W.Cl.4) (Annexure B) as soon as they receive it from the doctor. If the worker stays away from work for longer than 3 (three) days, employers must get the Progress Medical Report (W.Cl.5) from the doctor and send it to the Fund every month. Step 5: Resumption of duties When the employee resumes duties, the Employer must submit the Resumption Report (W.Cl.6) (Annexure C) together with the Final Medical Report (W.Cl.5), together with supporting documentation to the Commissioner and must retain proof of service If an accident or disease causes a worker’s death, the employer must submit the following immediately: report of accident or disease; death certificate indicating the cause of death; if the worker leaves a widow/widower and children under 18 years: marriage certificate; birth/baptismal certificates or sworn statements on all children’s dates of birth; compensation claim form (W.CI.3); widow’s/widower’s statement (W.CI.32); and a specified burial account and the receipt, if paid. Hopefully these procedures are no longer so ouch and you have now been restored to a healthy small business owner who is about to journey down a compliance path well worth walking….