CHAPTER 8 SOCSO
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Transcript CHAPTER 8 SOCSO
PERTUBUHAN
KESELAMATAN SOSIAL
ESTABLISHMENT
Set up in 1971
Enforce Employees’ Social Security Act
1969
Protection:
Medical care
Cash benefits
Rehabilitation
Concept on socso
Employers Liability
Who employs one or
more employees –
required to register &
contribute monthly for
all employees
Employee
Earns a monthly wage
RM3,000 or less
More than RM3,000:
Previously registered,
must compulsorily
continue
Not previously
registered, can opt to
do so.
Concept on socso
Coverage:
All employee
irrespective of the
emplyment status,
permanent, temporary
etc
Exemption:
Government
employees
Domestic servants
Self employed persons
Foreign workers
Concept on socso
AGE:
Must register
irrespective of age
55 and above wiil
continue to be
protected (EIS-e’yer)
CONTRIBUTION
Employees – 0.5%
(IPS)
Employers – 1.75%
(EIS & IPS)
COVERAGE
EMPLOYMENT INJURY
SCHEME
Protection for accidents:
While traveling
Arising out and in the
course of employment
Occupational disease
INVALIDITY PENSION
SCHEME
Serious disablement or
morbid condition of a
permanent nature that is
either incurable
Unable to earn at least 1/3
of normal person
24 hours coverage
Against invalidity or death
due to any cause not
connected with his
employment
BENEFITS
EIS
Medical benefit
Temporary disablement
benefit
Permanent disablement
benefit
Constant attendance
allowance
Dependant’s benefit
Funeral benefit
Rehabilitation benefit
IPS
Invalidity pension
Invalidity grant
Constant attendance
allowance
Survivors pension
Funeral benefits
Rehabilitation
Educational loan
Employment Injury Scheme
Medical benefits
Occupational disease
Treatment at SOCSO
panel clinic @
government
Hospital/clinic
Free – socso
Serious injury –
to nearest government
hospital
2nd class ward-inpatient
Temporary
disablement benefit
Unfit for work not less
than 4 days
Only during medical
leave
Daily rate = 80% of
daily wage or min
RM10 and max RM52
Employment Injury Scheme
Permanent disablement
benefit
Cash – certified of
permanent disablement
Loss 100% = 90% daily @
min RM10
Loss 20% or less = lump
sum payment
Exceed 20% = 1/5 daily
rate into lump sum and
balance = monthly pension
Can continue work
Constant attendance
allowance
Permanent total
disablement (100% loss0
Severely incapacitated &
requires personal
attendance of another
person
40% of rate total
disablement, max RM500
Employment Injury Scheme
Dependant’s benefit
If employees dies
90% of the daily wage
Employment Injury Scheme
Widow
3/5
For life until re-marriage wce
Children
Widower
2/5 @
3/5
3/5
Natural/step/adopted/out of wedlock –
up to age 21 or marriage. 1st degree
Wholly depend on wife until
remarriage or can support himself wce
Parents
4/10
For life
Grandpare 4/10
nts
For life
Brothers & 3/10
sisters
Up to age 21 or marriage wce
Employment Injury Scheme
Funeral benefit
RM1,500
As resulted of EI or
while receiving
disablement benefits
Next of kin @ person
WIL
Rehabilitation benefit
Facilities for vocational
& physical
rehabilitation
training
Invalidity Pension Scheme
Qualifying condition
• Has not completed age 55
• Certified by medical board
• Fulfilled the qualifying condition contribution
Full qualifying condition
At least 24 months within
40 consecutive months
2/3 = at least 24
50% - 65% of monthly
salary
Reduced qualifying
condition
Minimum RM 250
1/3 = at least 24
50%
Invalidity Pension Scheme
Invalidity grant
Paid for those who are
not qualified for
Invalidity pension
At least 12 months
amount of the total
contributions
Outright payment
Constant attendance
allowance
Recipient of invalidity
pension
40% of the rate
invalidity pension
Max RM500 per month
Invalidity Pension Scheme
Survivor’s pension
Only if employee dies
irrespective of the
cause of death
While receiving
invalidity pension
Not more than 55 years
Rate:
Invalidity pension =
equal
If not = 50% - 65%
Funeral benefits
While receiving
invalidity pension
Before 55 age
As EIS
CHALLENGES
Increasing cost
Investment issues
Efficiency in processing claims
Pressures from mass media
Pressures from NGOs
Migrant workers
Fraudulent claims