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7/24/2019 Chapter 8 Socso-1
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PERTUBUHANPERTUBUHANKESELAMATAN SOSIALKESELAMATAN SOSIAL
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ESTABLISHMENTESTABLISHMENT
Set up in 1971Set up in 1971
Enforce Employees’ Social Security ActEnforce Employees’ Social Security Act
19691969rotection!rotection!Me"ical careMe"ical care
#as$ %enefits#as$ %enefits&e$a%ilitation&e$a%ilitation
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#oncept on socso#oncept on socso
Employers Lia%ilityEmployers Lia%ility'$o employs one or'$o employs one or
more employees (more employees (
re)uire" to re*ister +re)uire" to re*ister +contri%ute mont$ly forcontri%ute mont$ly for
all employeesall employees
EmployeeEmployee Earns a mont$ly ,a*eEarns a mont$ly ,a*e
&M-./// or less&M-./// or less
More t$an &M-.///!More t$an &M-.///!re0iously re*istere".re0iously re*istere".
must compulsorilymust compulsorily
continuecontinue
Not pre0iouslyNot pre0iously
re*istere". can opt tore*istere". can opt to"o so"o so
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#oncept on socso#oncept on socso
#o0era*e!#o0era*e! All employee All employee
irrespecti0e of t$eirrespecti0e of t$e
emplyment status.emplyment status.permanent. temporarypermanent. temporary
etcetc
E2emption!E2emption!3o0ernment3o0ernment
employeesemployees
4omestic ser0ants4omestic ser0ants Self employe" personsSelf employe" persons
5orei*n ,orers5orei*n ,orers
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#oncept on socso#oncept on socso
A3E! A3E!Must re*isterMust re*ister
irrespecti0e of a*eirrespecti0e of a*e
an" a%o0e ,iil an" a%o0e ,iilcontinue to %econtinue to %e
protecte" 8EISe’yer:protecte" 8EISe’yer:
#;NT&IB<TI;N#;NT&IB<TI;N Employees ( /=Employees ( /=
8IS:8IS:
Employers ( 17=Employers ( 17=8EIS + IS:8EIS + IS:
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COVERAGECOVERAGE
EMPLOYMENT INJURYEMPLOYMENT INJURY
SCHEMESCHEME rotection for acci"ents!rotection for acci"ents!
'$ile tra0elin*'$ile tra0elin*
Arisin* out an" in t$e Arisin* out an" in t$e
course of employmentcourse of employment
;ccupational "isease;ccupational "isease
INVALIDITY PENSIONINVALIDITY PENSION
SCHEMESCHEME Serious "isa%lement orSerious "isa%lement or
mor%i" con"ition of amor%i" con"ition of a
permanent nature t$at ispermanent nature t$at iseit$er incura%leeit$er incura%le
<na%le to earn at least 1>-<na%le to earn at least 1>-
of normal personof normal person
?@ $ours co0era*e?@ $ours co0era*e
A*ainst in0ali"ity or "eat$ A*ainst in0ali"ity or "eat$
"ue to any cause not"ue to any cause not
connecte" ,it$ $isconnecte" ,it$ $is
employmentemployment
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BENEFITSBENEFITS
EISEIS Me"ical %enefitMe"ical %enefit Temporary "isa%lementTemporary "isa%lement
%enefit%enefit ermanent "isa%lementermanent "isa%lement
%enefit%enefit #onstant atten"ance#onstant atten"ance
allo,anceallo,ance
4epen"ant’s %enefit4epen"ant’s %enefit 5uneral %enefit5uneral %enefit &e$a%ilitation %enefit&e$a%ilitation %enefit
ISIS In0ali"ity pensionIn0ali"ity pension In0ali"ity *rantIn0ali"ity *rant
#onstant atten"ance#onstant atten"anceallo,anceallo,ance Sur0i0ors pensionSur0i0ors pension 5uneral %enefits5uneral %enefits &e$a%ilitation&e$a%ilitation E"ucational loanE"ucational loan
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Employment In!"y S#$emeEmployment In!"y S#$eme
Me%&#'l (ene)&t*Me%&#'l (ene)&t*;ccupational "isease;ccupational "isease
Treatment at S;#S;Treatment at S;#S;
panel clinic panel clinic *o0ernment*o0ernment
Hospital>clinicHospital>clinic
5ree ( socso5ree ( socso
Serious inury (Serious inury ( to nearest *o0ernmentto nearest *o0ernment
$ospital$ospital
??n"n" class ,ar"inpatientclass ,ar"inpatient
Tempo"'"yTempo"'"y
%&*'(lement (ene)&t%&*'(lement (ene)&t <nfit for ,or not less<nfit for ,or not less
t$an @ "ayst$an @ "ays;nly "urin* me"ical;nly "urin* me"ical
lea0elea0e
4aily rate C D/= of4aily rate C D/= of
"aily ,a*e or min"aily ,a*e or min&M1/ an" ma2 &M?&M1/ an" ma2 &M?
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Employment In!"y S#$emeEmployment In!"y S#$eme
ermanent "isa%lementermanent "isa%lement
%enefit%enefit #as$ ( certifie" of#as$ ( certifie" of
permanent "isa%lementpermanent "isa%lement
Loss 1//= C 9/= "aily Loss 1//= C 9/= "aily min &M1/min &M1/
Loss ?/= or less C lumpLoss ?/= or less C lump
sum paymentsum payment
E2cee" ?/= C 1> "ailyE2cee" ?/= C 1> "aily
rate into lump sum an"rate into lump sum an"
%alance C mont$ly pension%alance C mont$ly pension
#an continue ,or#an continue ,or
#onstant atten"ance#onstant atten"ance
allo,anceallo,ance ermanent totalermanent total
"isa%lement 81//= loss/"isa%lement 81//= loss/
Se0erely incapacitate" +Se0erely incapacitate" +re)uires personalre)uires personal
atten"ance of anot$eratten"ance of anot$er
personperson
@/= of rate total@/= of rate total
"isa%lement. ma2 &M//"isa%lement. ma2 &M//
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Employment In!"y S#$emeEmployment In!"y S#$eme
4epen"ant’s %enefit4epen"ant’s %enefit If employees "iesIf employees "ies
9/= of t$e "aily ,a*e9/= of t$e "aily ,a*e
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Employment In!"y S#$emeEmployment In!"y S#$eme
'i"o,'i"o, ->-> 5or life until remarria*e ,ce5or life until remarria*e ,ce
#$il"ren#$il"ren ?> ?> ->->
Natural>step>a"opte">out of ,e"loc (Natural>step>a"opte">out of ,e"loc (up to a*e ?1 or marria*e 1up to a*e ?1 or marria*e 1stst "e*ree"e*ree
'i"o,er 'i"o,er ->-> '$olly "epen" on ,ife until'$olly "epen" on ,ife untilremarria*e or can support $imself ,ceremarria*e or can support $imself ,ce
arentsarents @>1/@>1/ 5or life5or life
3ran"pare3ran"parentsnts
@>1/@>1/ 5or life5or life
Brot$ers +Brot$ers +sisterssisters
->1/->1/ <p to a*e ?1 or marria*e ,ce<p to a*e ?1 or marria*e ,ce
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Employment In!"y S#$emeEmployment In!"y S#$eme
5uneral %enefit5uneral %enefit &M1.//&M1.//
As resulte" of EI or As resulte" of EI or
,$ile recei0in*,$ile recei0in*"isa%lement %enefits"isa%lement %enefits
Ne2t of in personNe2t of in person
'IL'IL
&e$a%ilitation %enefit&e$a%ilitation %enefit 5acilities for 0ocational5acilities for 0ocational
+ p$ysical+ p$ysical
re$a%ilitationre$a%ilitation trainin*trainin*
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In+'l&%&ty Pen*&on S#$emeIn+'l&%&ty Pen*&on S#$eme
5ull )ualifyin* con"ition5ull )ualifyin* con"ition At least ?@ mont$s ,it$in At least ?@ mont$s ,it$in
@/ consecuti0e mont$s@/ consecuti0e mont$s
?>- C at least ?@?>- C at least ?@
/= 6= of mont$ly/= 6= of mont$ly
salarysalary
&e"uce" )ualifyin*&e"uce" )ualifyin*
con"itioncon"ition 1>- C at least ?@1>- C at least ?@
/=/=
ualifyin* con"ition
F Has not complete" a*e
F #ertifie" %y me"ical %oar"
F 5ulfille" t$e )ualifyin* con"ition contri%ution
M&n&m!m RM ,-.
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In+'l&%&ty Pen*&on S#$emeIn+'l&%&ty Pen*&on S#$eme
In0ali"ity *rantIn0ali"ity *rant ai" for t$ose ,$o areai" for t$ose ,$o are
not )ualifie" fornot )ualifie" for
In0ali"ity pensionIn0ali"ity pension At least 1? mont$s At least 1? mont$s
amount of t$e totalamount of t$e total
contri%utionscontri%utions
;utri*$t payment;utri*$t payment
#onstant atten"ance#onstant atten"ance
allo,anceallo,ance &ecipient of in0ali"ity&ecipient of in0ali"ity
pensionpension @/= of t$e rate@/= of t$e rate
in0ali"ity pensionin0ali"ity pension
Ma2 &M// per mont$Ma2 &M// per mont$
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In+'l&%&ty Pen*&on S#$emeIn+'l&%&ty Pen*&on S#$eme
Sur0i0or’s pensionSur0i0or’s pension;nly if employee "ies;nly if employee "ies
irrespecti0e of t$eirrespecti0e of t$e
cause of "eat$cause of "eat$'$ile recei0in*'$ile recei0in*
in0ali"ity pensionin0ali"ity pension
Not more t$an yearsNot more t$an years
&ate!&ate! In0ali"ity pension CIn0ali"ity pension C
e)uale)ual
If not C /= 6=If not C /= 6=
5uneral %enefits5uneral %enefits'$ile recei0in*'$ile recei0in*
in0ali"ity pensionin0ali"ity pension
Before a*eBefore a*e As EIS As EIS
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CHALLENGESCHALLENGES
Increasin* costIncreasin* cost
In0estment issuesIn0estment issues
Efficiency in processin* claimsEfficiency in processin* claimsressures from mass me"iaressures from mass me"ia
ressures from N3;sressures from N3;s
Mi*rant ,orersMi*rant ,orers5rau"ulent claims5rau"ulent claims
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