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Types of compensation under WICA

The Work Injury Compensation Act lets employees claim for medical leave wages, medical expenses and lump sum compensation for permanent incapacity, if any, or death. There are limits to each type of compensation.

What you can claim

Under the Work Injury Compensation Act (WICA), you can claim for the following types of compensation benefits:

Medical leave wages

Medical leave wages are payable only for working days covered by doctor-granted MC or hospitalisation leave. It is not payable for non-working days (e.g. rest days and public holidays).

WICA entitles you to medical leave wages according to the following rates and limits:

For this amount of outpatient medical leave (MC) Or this amount of hospitalisation leave Your medical leave wages are calculated based on
Up to 14 days Up to 60 days Your full average monthly earnings
15th day onwards, up to 1 year from the accident 61st day onwards, up to 1 year from the accident 2/3 of your average monthly earnings

Medical leave wages:

  • Are calculated based on your average monthly earnings (AME). AME is computed based on your earnings over the past 12 months before the accident date.
    Generally, it includes wages, allowances, overtime payments, bonuses or annual wage supplement, but excludes travelling allowances and contributions to CPF.
  • Must be paid by your employer no later than your usual payday.

If an injured worker has taken 10 days of outpatient medical leave and 71 days of hospitalisation leave, his medical leave wages will be calculated as follows:

  • For the 10 days of outpatient medical leave and the first 60 days of hospitalisation leave, it is calculated based on his full AME.
  • For the remaining 11 days of hospitalisation leave, it is calculated based on two-thirds of his AME.

Calculate your medical leave wages

Medical expenses

Your employer will be required to pay for medical expenses related to a work accident up to the maximum limit, which is $36,000 or 1 year from the date of the accident, whichever comes first.

Examples of eligible medical expenses include:

  • Medical consultation fees
  • Ward charges
  • Treatment fees
  • Medical report fees
  • Emergency medical transport charges (e.g. ambulance)
  • Cost of medicine
  • Artificial limbs
  • Surgical appliances
  • Treatments that facilitate early return to work, claimable charges include those for case management, functional capacity evaluation and worksite assessment

The following are eligible only if treatment is prescribed:

  • Physiotherapy
  • Occupational and speech therapy
  • Traditional Chinese Medicine (TCM)

Note:

  • If your medical bills exceed the maximum limit claimable under WICA, you may consider filing a civil suit instead.

Lump sum compensation

Under WICA, you or your family can claim a lump sum in the event of permanent incapacity or death.

Permanent incapacity

When a claim is payable When an injury or illness has a permanent effect on an employee's ability to work
Who receives the compensation Injured employee
How compensation is calculated

Amount payable = Employee's average monthly earnings x age multiplying factor x % permanent incapacity

Estimate compensation for permanent incapacity

Changes to compensation limits

  Accidents before 1 Jan 2016 Accidents from 1 Jan 2016
Minimum compensation $73,000 x (% permanent incapacity) $88,000 x (% permanent incapacity)
Maximum compensation $218,000 x (% permanent incapacity) $262,000 x (% permanent incapacity)

Note:

  • Permanent incapacity (% PI) is based on a doctor’s assessment after the medical condition stabilises. It is based on this assessment guide.
  • If the doctor awards 100% PI, an additional 25% will be added on top of the compensation amount.
  • A notice of assessment (NOA) will be issued to notify all parties involved of the lump sum compensation.

Death

When a claim is payable When an injury causes death
Who receives the compensation Family or dependants of employee
How compensation is calculated

Amount payable = Employee's average monthly earnings x age multiplying factor

Estimate compensation for death

Changes to compensation limits

  Accidents before 1 Jan 2016 Accidents from 1 Jan 2016
Minimum compensation $57,000 $69,000
Maximum compensation $170,000 $204,000
Last Updated: 13 February 2017