MAGANDANG araw po sa Aksyon Line. Matagal na po akong tagasubaybay ng inyong pahayagan. Ako po ay taga-Sucat, Parañaque. Matagal ko na po na nababalitaan ang mga benepisyo tungkol sa Employees Compensation Commission. Pero gusto ko po lamang na maliwanagan ang mga benipisyo na nakapaloob dito lalo na po ang inyong EC program. Malaking tulong po na nabibigyan ng kaalaman ang tulad na isang empleyado. Ako po ay nagtatrabaho aa BPO may 1 taon na rin. Maraming salamat po.
Anebelle Domingo
Sucat, Parañaque
REPLY: Para sa iyong katanungan. Layunin ng Employees’ Compensation (EC) program na tulungan ang mga manggagawa na nakaranas ng pagkakasakit o injury na nagresulta ng disability o death ngunit kinakailangang work related o may kinalaman sa trabaho.
Ang mga empleyado sa pribado at pampublikong sektor ay maaaring makakuha ng benepisyo mula sa ECC.
Narito ang mga benepisyo sa ilalim ng EC program 1: Medical services, appliances and supplies provided to the afflicted member beginning on the first day of injury or sickness, during the subsequent period of disability, and as the progress of recovery may require.
These benefits, however, are limited to the ward services only of an accredited hospital and physician.
Ward services, consist of all the services an in-patients would ordinarily receive in a hospital.
Rehabilitation services, consisting of medical, surgical and hospital treatment.
The SSS also provides as soon as practicable, a balanced program of remedial treatment for handicapped members.
Income cash benefit for:
Temporary total disability or sickness. An income cash benefit equivalent to 90 per cent of the average daily salary credit with a minimum of P10 and a maximum of P200 (effective Nov. 1, 1996).
It is payable for a period not longer than 120 consecutive days. If the injury requires more treatment, the period may be extended up to 240 days. If it persist after this period, the injury will be considered as permanent total disability.
This benefit is advanced by the employer every regular payday. The amount legally paid by the employer is reimbursed 100 per cent by the SSS in the form of cheque or thru the bank.
Permanent total disability (loss of two limbs, permanent complete paralysis of two limbs, etc.). This benefit is a monthly pension paid for as long as the injured lives plus 10 per cent for each of the five dependent children beginning with the youngest and without substitution.
The monthly pension is guaranteed for five years but will be suspended if the employee is gainfully employed, recovers from permanent total disability, or fails to present himself/herself for examination at least once a year upon notice by the SSS or fails to submit a quarterly medical report certified by the attending physician as required under Section 5, Rule IV of the EC law. The minimum monthly income benefit is P2,000.
Beginning Jan. 1, 1991, a permanent total disability pensioner is also given a supplemental allowance in addition to the monthly pension. This allowance will provide additional financial assistance to meet the extra needs arising from the disability. Effective May 1, 1993, the supplemental allowance is P575 a month.
Upon the death of an EC permanent total or permanent partial disability pensioner,the SSS will pay to the primary beneficiaries 100 per cent of the monthly pension. In addition, the dependents will be paid the dependent’s pension. If the deceased pensioner has no primary beneficiaries, the SSS will pay to the secondary beneficiaries the remaining balance of the five-year guaranteed period, excluding the dependent’s pension.
Permanent partial disability (such as loss of one thumb, finger, leg). A monthly pension is provided to the member equivalent to the pension for permanent total disability but limited to the number of months designated by law for a particular disability. The minimum monthly pension is P2,000.
However, if the period of permanent partial disability pension is less than a year, the benefit may be paid in lump sum.
Death. A monthly pension is provided to the deceased member’s primary beneficiaries, plus 10 per cent of such benefit for each of five dependent children, subject to some limitations. In the absence of primary beneficiaries, the secondary beneficiaries are entitled to the monthly pension but not to exceed 60 months. The minimum monthly pension for the death benefit is P2,000.
Under the EC program, a funeral benefit of P10,000 will also be paid to any person who actually shouldered the burial expenses of the deceased member.
Atty. Jonathan VillaSotto
Deputy Director, ECC
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