Benefits

NSSF provides compensation, known as benefit, to all NSSF members who suffer occupational accident. The benefits are categorized as followings: medical treatment benefit, temporary disablement benefit, nursing benefit, permanent disablement benefit, constant attendance benefit and survivors’ benefit. The claiming for all benefits is made on the prescribed forms and submitted to NSSF within the prescribed time. It is vital that all necessary documents be submitted along with the forms in order to support the claim.

Injured employee is provided with medical treatment benefits including medical care and transportation. Temporary cash will be provided for the period of temporary disablement on the second day after the accident at a rate of 70% of the daily contributory average wage, but it lasts only 180 days. Daily contributory average wage is the division of average assumed wage (of the last 6 months prior to the accident) by 30 days. In serious case, the patient may need a care taker. In this case, allowance for the care taker is 50% of the temporary cash of the victim. In case the accident results in permanent disablement, the employee will receive a lifetime pension based on the loss of earning capacity, assessed by the medical board guided by a list of loss of earning capacity developed by the medical profession. In the case of completely loss of earning capacity, the beneficiary may require a person to take care. Subsequently, the benefit is also supplemented by a constant attendance benefit which equals to 50% of the beneficiary’s pension. Compensation for loss of working ability is calculated based on the formula below.

P = DCAW x 70% x (LEC x 1/5 LEC) x APV

Assumed Wage List:

Monthly Wage (Riel) Assumed Wage (Riel)
Below 200,000 200,000
200,001-250,000 225,000
250,001-300,000 275,000
300,001-350,000 325,000
350,001-400,000 375,000
400,001-450,000 425,000
459,001-500,000 475,000
500,001-550,000 525,000
550,001-600,000 575,000
600,001-650,000 625,000
650,001-700,000 675,000
700,001-750,000 725,000
750,001-800,000 775,000
800,001-850,000 825,000
850,001-900,000 875,000
900,001-950,000 925,000
950,001-1,000,000 975,000
1,000,001 up 1,000,000

Lost of Earning Capacity

No. Description of Injury Percentage of Loss of Earning Capacity
1 Loss of both hands or amputation at higher sites 100
2 Loss of a hand and a foot 100
3 Double amputation through leg or thigh, or amputation through leg or thigh on one side and loss of other foot 100
4 Loss of sight to such an extent as to render the claimant unable to perform any work for which eyesight is essential 100
5 Very severe facial disfigurement 100
6 Absolute deafness 100
Amputation-upper limbs (either arm) cases
1 Amputation through shoulder joint 90
2 Amputation below shoulder with stump less than 8” from tip of acromion 80
3 Amputation from 8” from tip of acromion to less than 4Vi’’ below tip of olecranon 70
4 Loss of a hand or of the thumb and four fingers of one hand or amputation from 41/2” below tip of olecranon 60
5 Loss of thumb 30
6 Loss of thumb and its metacarpal bone 40
7 Loss of four fingers of one hand 50
8 Loss of three fingers of one hand 30
9 Loss of two fingers of one hand 20
10 Loss of terminal phalanx of thumb 20
Amputation –Lower Limbs Cases
11 Amputation of both feet resulting in end-bearing stumps 90
12 Amputation through both feet proximal to the metatarso-phalangeal joint 80
13 Loss of all toes of both feet through the metatarso-phalangeal joints 40
14 Loss of all toes of both feet proximal to the proximal inter-phalange joint 30
15 Loss of all toes of both feet distal to the proximal inter-phalangeal joint 20
16 Amputation at hip 90
17 Amputation below hip with stump not exceeding 5’’ in length measured from tip of great trenchanter 80
18 Amputation below hip with stump exceeding 5’’ in length measured from tip of great trenchanter but not beyond middle thigh 70
19 Amputation below middle thigh to 3’/2 below knee 60
20 Amputation below knee with stump exceeding 3  1/2” but not exceeding 5” 50
21 Amputation below knees with stump exceeding 5” 40
22 Amputation of one foot resulting in end-bearing 30
23 Amputation through one foot proximal to the meta torso phalangeal joint 30
24 Loss of all toes of one foot through the meta torso phalangeal joint 20
25 Loss of one eye, without complications, the other being normal 40
26 Loss of vision of one-eye without complications or disfigurement of eye-ball, the other being normal 30
27 Permanent total loss of hearing in one ear loss of 20
A. Fingers of right or left hand
28 Whole 14
29 Two phalanges 11
30 One phalanx 9
31 Guillotine amputation of tip without loss of bone 5
Middle Finger
32 Whole 12
33 Two phalanges 9
34 One phalanx 7
35 Guillotine amputation of tip without loss of bone 4
Ring or Little Finger
36 Whole 7
37 Two phalanges 6
38 One phalanx 5
39 Guillotine amputation of tip without loss of bone 2
B. Toes of right or left foot
Great toe
40 Through metatarso-phalangeal joint 14
41 Part, with some loss of bone 3
Any other toe
42 Through metatarso-phalangeal joint 3
43 Part, with some loss of bone 1
Two toes of one foot, excluding great toe
44 Through metatarso- phalangeal joint 5
45 Part, with some loss of bone 2
Three toes of one foot, excluding great toe
46 Through metatarso-phalangeal joint 6
47 Through metatarso-phalangeal joint 3
Four toes of one foot, excluding great toe
48 Through metatarso-phalangeal joint 9
49 Through metatarso-phalangeal joint 3

APV List:

If the loss of earnings is less than 20%, the employee will be awarded lump-sum payment instead of pension. The lump-sum is calculated based on the formula below.

LS = DCAW x 70% x LEC x 20% x APV

If the injury results in death, the dependants of the employee including legal spouse; natural, adopted, or step-children; and parents will obtain survivors’ benefit. The parents receive the benefit for lifetime, while the benefit is allocated to the spouse until death or remarriage and to the children until the age of 18 (or 21 if they continue their tertiary education) or until marriage. The disabled children receive the lifetime benefits as long as they remain mentally or physically disabled. A funeral allowance of 1,000,000 Riel is also provided to cover the expenditure of the funeral arrangement. The survivor’s benefit for the dependants is planned based on the prescription below.