Assistance Benefits At-a-Glance - NIB Bahamas

1 This leaflet is intended merely to giveyou information- At-a-Glance on thebenefits and assistances available underthe national Insurance you need more detailed informationon anything contained in this leaflet,contact your nearest Local Office,or refer to the national InsuranceAct & Regulations, , plus a one-time person may return to work and continue to receiveDisablement Medical Care: national Insurance will pay for 40 weeksall reasonable medical expenses of a person who suffers ajob-related injury, or contracts a job-related illness, unlessthe degree of disablement assessed is more than 25 percent,in which case medical care can continue for two care may be obtained in The Bahamas at a facilityof one s own choosing. Persons seeking medical attentionoutside of The Bahamas , must first obtain approval fromthe national Insurance , persons with 100 percent disablement,who require constant care and attendance, receive an addi-tional 20 percent of the Disablement Benefit each BenefitDeath BenefitDeath BenefitDeath BenefitDeath Benefit is a one-time cash payment that is identical toSurvivors Benefit.

2 It is paid to the dependents of a workerwho died as a result of a job-related accident or benefit is paid as a monthly pension to dependentsin the following priority order: widow/widower;unmarried children; orphans; and of Payment for widows, widowers or parents, is50 percent of the rate of the deceased worker s Injury Ben-efit entitlement. The rate for dependent children is 10percent of the Injury Benefit Funeral Benefit: national Insurance pays a cashgrant of $1,500, without any contribution conditionsattached, to assist with the funeral expenses of a personwho dies as a result of a job-related accident or illness. Thiscash payment is made to whomever pays for, or is liable topay for the funeral of the deceased PaymentsOld Age Non-Contributory Pension,Old Age Non-Contributory Pension,Old Age Non-Contributory Pension,Old Age Non-Contributory Pension,Old Age Non-Contributory Pension, commonly called Old Age Pension, is a payment of $200,made monthly to needy Bahamianresidents age 65 years or older, whodo not meet the contribution condi-tions for Retirement AssistanceSurvivors AssistanceSurvivors AssistanceSurvivors AssistanceSurvivors Assistance a monthly payment made to the needysurviving dependents of an uninsured deceased breadwin-ner.

3 It is paid in the same priority order as Survivors AssistanceInvalidity AssistanceInvalidity AssistanceInvalidity AssistanceInvalidity Assistance is a monthly payment of $200 made to anindividual who has been certified by a medical practitionerto be permanently incapable of work due to AssistanceSickness AssistanceSickness AssistanceSickness AssistanceSickness Assistance is a weekly benefit paid to an individualwho:i. is temporarily unable to work due to illness; andii. has paid at least one contribution, but not enough toqualify for Sickness the case of all assistances, applicants must satisfy a strin-gent test-of-resources in order to & AssistanceAt-a-GlanceHotline numbers: 325-4655/325-4656or toll-free from the Family Islands: 1-242-300-1394 Website: : Publication of thePublic Relations Department - 2008 General BenefitsSickness Benefit - A weekly payment madeto eligible insured persons while theyare temporarily unable to work due :60% of average insuredwagesPeriod:Up to 40 Qualify:Claimant must have contributions in the 26 weeks immedi-ately before the week the illness started;ORii.

4 26 contributions in the 52 weeks immedi-ately before the week the illness started;ORiii. 26 contributions in the immediate preced-ing contribution Benefit Maternity Benefit Maternity Benefit Maternity Benefit Maternity Benefit - A weekly payment made to eligible in-sured women while they remain at home during late preg-nancy and of average insured wages/incomePeriod:Up to 13 weeks (could be increased under spe-cial, specified circumstances).To Qualify:Claimant must have contributions in the 40 weeks immedi-ately before the week she either stopswork or has the baby; ORiii. 26 contributions in the immediate preced-ing contribution Benefit - A monthly payment made to eligible in-sured persons who have been medically certified to be per-manently unable to work as a result of :A range of 15 - 60% of average insured wagesor Qualify:Must be younger than 65 years and have paidat least 150 weeks of Benefit - A monthly payment made to insuredpersons who have retired from gainful employment or whohave attained age 70 :A range of 15 - 60% of average insured wagesor income depending on number of contri-butions paid and or Qualify:Must have paid at least 150 weeks of contri-butions.

5 Full benefit is paid from age 65 years,but persons have the option of retiring fromas early as 60 years with a reduced BenefitFuneral BenefitFuneral BenefitFuneral BenefitFuneral Benefit - A one-time payment made to the personwho has paid or is responsible to pay the funeral expensesof a deceased insured :$1, Qualify:Either the deceased person or his/her spousemust have paid at least 50 weeks of ' Benefit - A monthly payment made to the depen-dent survivors of a deceased insured :Payable in varying amounts to qualifying de-pendents in priority order:i)widow/widowerii)dependent children under age 16, or under age 21 ifstill in full-time school;iii)unmarried children who are not children of the de-ceased person, but who were dependent upon him/her, under age 16, or under age 21 if still in full-timeschool; or who are invalids;iv)unmarried orphans under age 16, or under age 21 ifstill in full-time school; andv) the parents of the BenefitsInjury Benefit Injury Benefit Injury Benefit Injury Benefit Injury Benefit is a weekly payment made toan employed person, or a self-employedperson in Class B , who suffers a job-related injury or contracts a job-relateddisease, and as a result of that injury ordisease, is unable to :It is paid at a weekly rate of 66 2/3 percent ofthe worker s average insured Qualify:There are no contribution conditions.

6 If aperson is injured before he or she was able topay contributions, then the average weeklyinsurable wage used to determine the benefitrate, would be that of a person in a similarjob and wage/income :Can be paid for up to 40 BenefitDisablement BenefitDisablement BenefitDisablement BenefitDisablement Benefit is paid to a worker who suffers a loss ofphysical or mental faculty as a result of a job-relatedaccident or disease. This loss is medically determined bycomparing the specific loss of ability with the ability of a normal healthy person of the same age and sex. The lossis then expressed as a percentage from one to assessment of one to 24 percent is paid as a one-timegrant; assessment of 25 percent or more is paid as a monthly