Disability / Work Injury Benefit
Work injuries are divided into four categories: (i) permanent total incapacity (ii) permanent partial incapacity (iii) temporary incapacity and (iv) fatal injury leading to death of a worker.
In the case of permanent total incapacity/disability, amount of compensation paid is 75% of an insured worker's average earnings in the 12 months before disability began (this amount is 100% of the previous average wage in Punjab).
In the case of permanent partial disability, amount of compensation depends on the assessed degree of disability. Partially disabled workers are paid up to 66% of total disability benefit in accordance with a schedule provided in Provincial Employees' Social Security Ordinance.
In the case of temporary disability, 60% (100% in Punjab) of the average wage is paid after a waiting period of 3 days up to 180 days. The benefits are paid until worker's full recovery or certification of permanent disability
In the case of fatal injury, dependents (widow/widower/minor children/parents) receive survivors' benefit. A widow gets 60% of the monthly pension a deceased worker received or was entitled to receive. A needy and disabled widower is also entitled to benefit. Minor children and parents are also entitled to benefits. Orphans, younger than the age of 16 years, receive 20% of the deceased worker's disability pension. A full orphan gets 40% of the deceased worker's pension. Survivors are also eligible for a survivors grant of Rs. 200,000 under the Workmen Compensation Act, 1923 (Schedule IV)