WHAT IS THE COVERAGE PROVIDED TO AN INSURED PERSON BY SOCSO UNDER ESSA 1969 ?
An insured person or dependants will be entitled to the following benefits :
- Periodical payments in the case of invalidity
- Periodical payments in the case of disablement suffered as a result of an employment injury
- Periodical payments to the dependants of an insured person who dies as a result of an employment injury
- Payments for funeral benefit or expense on the death of an insured person as a result of an employment injury
- Periodical payments to an insured person who is in receipt of invalidity pension or disablement benefit and is so severely incapacitated or disabled as to require the personal attendance of another person
- Medical treatments for the attendance on insured persons suffering from disablement
- Periodical payments to dependants of an insured person who dies while in receipt of invalidity pension
SOCSO provides coverage to eligible employees through 2 schemes namely
- Employment Injury Insurance Scheme
- Invalidity Pension Scheme.
These schemes are classified into 2 categories :
- First Category – Employment Injury Insurance Scheme and Invalidity Pension Scheme. The contribution payment is made by both the employer and employee
- Second Category – Employment Injury Insurance Scheme Only. The contribution is paid by the employer only. An employee who is not eligible for coverage under the Invalidity Pension Scheme is protected under this category.
These schemes provide the benefits of invalidity pension, invalidity grant, survivors pension, rehabilitation, funeral benefit, constant attendance allowance and educational loan.