Chapter 8 Socso-1

7/24/2019 Chapter 8 Socso-1

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PERTUBUHANPERTUBUHANKESELAMATAN SOSIALKESELAMATAN SOSIAL



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



#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




#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




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:



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



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



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?




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//




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




'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




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*



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 ,-.




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$Ma2 &M// per mont$




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*


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*


Before a*eBefore a*e As EIS As EIS



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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Chapter 8 Socso-1