Employees Compensation Program Benefits (ECP)-established to provide workers and their families with income benefits, medical and allied benefits in work-connected injury, sickness, or death.
EC is in addition to Philhealth and SSS/GSIS benefits. And the coverage or entitlement begins on the first day of employment.
What is Employees Compensation Program Benefits
Compensable Diseases/Sickness under EC Program
- Not any disease is compensable.
- Only those diseases caused by work or the working environment are compensable.
- For the disease to payable, conditions or risk factors on the job must be present.
- Other diseases not on the list may still be compensable as long as the employee can establish a causal connection with the nature of his work or the working environment.
Compensability of Injuries
The damage must be the result/effect of an accident arising out of or in line of employment for the injury and disability considered compensable.
Seven Instances where an accident or injury can be compensable:
- It happened at the workplace.
- It happened while performing official functions.
- He was executing an order/instruction of his employer Outside the workplace.
- When going to or coming from work
- While ministering personal comfort
- While in a company shuttle bus
- During a company-sponsored activity
Below are the instances when an injury, sickness, or death will not be compensable:
- Intoxication due to Drugs or Alcohol
- Notorious negligence
- A willful intent to injure oneself or another
Employees Compensation Program Benefits
Below is the list of benefits under the EC program:
- Loss of Income Benefit
- Medical Benefits
- Rehabilitation Service
- Carers Allowance
- Death Benefits
Loss of Income Benefit
A cash benefit is given to a worker to compensate for the loss of income due to the individual’s incapacity/inability to work (DISABILITY) due to illness or injury.
3 Types of Disability
- Temporary Total Disability (TTD)
- Permanent Total Disability (PTD)
- Permanent Partial Disability (PPD)
Daily Income Benefit for Total Temporary Disability
A minimum of P110.00 and a maximum of Php480.00 pesos to a qualified member.
This benefit claim may go beyond 120 days but not exceeding 240 days.
Monthly Income Benefit for Permanent Total Disability
The monthly minimum pension amount for Permanent Total Disability is Php2 000.00 plus 13th-month pay.
And the dependent minor children are entitled to a Dependents Pension equivalent to 10% of the monthly pension. Only five (5) dependents are covered, starting from the youngest.
The above monthly income benefit remains until the death of the worker and suspended for the following grounds:
- Failure to present for examination
- Failure to submit a quarterly medical report
- Complete recovery
- Upon being gainfully employed
Below is a sample of Permanent Total Disability:
- Complete loss of sight of both eyes
- Loss of 2 limbs at or above the ankle or wrist
- Permanent, complete paralysis in 2 limbs
- Brain injury resulting imbecility or insanity
Permanent Partial Disability
A worker can claim a Permanent Partial Disability if the illness or injury resulting in the loss of the use of body parts and their function.
An allocated amount as per the Employees’ Commission Schedule(lump sum/monthly pension.
Please see below Permanent Partial Disability Schedule:
Medical benefits include medicine reimbursement, hospitalization (ward service), medical care of an accredited physician, and surgical expenses.
A Php1, 000.00 monthly allowance are provided to Occupationally Disabled Workers (ODWs) who suffer from a permanent partial or permanent total disability and cannot take care of their basic personal needs.
Below is the list of services designed for persons with work-related disabilities (PWRD) to help restore them to have suitable employment and develop their mental, vocational, or social potentials.
Below is the form of Rehabilitation services provided by the EC program:
- Medical-surgical management;
- Appliances and supplies (crutches, hearing aid, wheelchairs, etc.)
- Physical restoration;
- Psychosocial counseling;
- Psychiatric evaluation;
- Skills training;
- Entrepreneur training;
- Hearing impairment evaluation;
- Visual impairment evaluation; and
- Job referral.
A Php30, 000.00 funeral benefit and EC death pension for the beneficiary of an employee who died due to work connected illness/injury.
Below are considered primary beneficiaries:
- The lawful spouse living with the employee or a legal spouse separated with the employee at the time of the employee’s death until they marry again.
- The lawful, legitimated, legally adopted, or acknowledged natural children are not single, unemployed, not over 21 years old, or above 21 years old with a physical or mental disability (congenital or acquired).
- Legitimate parents are dependent on the employee for regular support.
- The legitimate descendants and the illegitimate children who are not married, not employed, not more than 21 years old, or over 21 years of age are physically and mentally impaired, whether congenitally or acquired during childhood.
Primary beneficiaries shall have the priority in claiming the death benefits over the secondary beneficiaries. No Death benefit shall be paid to the secondary beneficiaries if Primary beneficiaries are available.
Availing the ECP Benefits
- Through SSS (private) and GSIS (government) are filing claims for the Employees’ Compensation Benefits.
- The Prescriptive period is three (3) years from when the cause of action/injury occurred.
- Fill up the required forms and attached the following supporting documents
- Certificate of employment with the job description
- Medical Records (original or certified true copy)
- Employees Compensation Company Logbook (attested valid photocopy)
For more information, please email at [email protected] or call at 889-4251 local 227, 228 / 899-4251 local 239 & 896-7837 for Public Assistance.
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