• Social Security & Housing Finance Corporation
  • 61 Ecowas Ave, Banjul
  • (+220) 422-2271

Industrial Injuries Compensation Fund (IICF)

Purpose

Compulsory insurance compensation for injury at the workplace

General Description

Industrial Injuries Compensation Fund is a social insurance scheme that offers protection to employees who were injured in the workplace resulting in temporary or permanent loss of income.

Type of scheme

It is an insurance scheme in which employers insure with premium or contribute to a general or global fund. From this fund compensation is paid irrespective of contribution history, however, the fund can recover such expenses from faulty or non compliant employers.

Who is eligible to be covered?

The scheme has a very wide coverage in the sense that it covers all employers in the public and private sector organisations, local government authorities, employee who have retired (retirees) or are still on contracts apprentices or trainees are all covered in the scheme. An employee who is not registered with the scheme and is involved in an accident can claim for injury compensation but, will have to formalize his/her membership with the scheme first, by going through the relevant registration process.

Who is Disqualified?

The following categories of persons are disqualified from participating in this scheme:

  1. Casual Employees that work on a piece-meal contracts.
  2. Domestic workers such as house helps, watchman, gardeners etc.not paid from company funds.
  3. Members of employers family dwelling in employers house
  4. Out workers,contracted by employer but does the work not within company premise
  5. Members of the armed forces (i.e. military)

Registration

All employers mentioned above must ensure that all their workers are covered under the scheme. Registration forms must be filled in respect of all such workers. However, there is no need to complete registration forms for workers who are already registered with either the pension fund (FPS) or provident fund (NPF) as the information required under the injuries compensation scheme is already available to SSHFC. Nevertheless, it is advisable that it be updated periodically especially when ones family circumstances change.

Who pays the contribution and how much?

The Act requires employers to pay the entire contribution each month on behalf of their employees, therefore nothing shall be deducted from the earnings of the workers. The contribution rate is 1% of Gross Salary (i.e. basic salary plus all other fixed allowances), however the ceiling for the maximum contribution is set at D15.

What benefits are paid out and how does the claims procedure work?

Survivors benefit and constant attendance allowance as well as lump sum or periodic pension depending on the nature of injury. For more information on the claims procedure Click HERE.

Who is responsible for the Administration of the IICF?

SSHFC and the Labour Department are joint administrators of the IICF with the Social Welfare and Medical and Health Department providing specialist support services and an Industrial Tribunal. Detailed below are their specific roles:

  • SSHFC: As trustees, the Corporation ensures registration, collects contributions and pays compensation.
  • LABOUR DEPARTMENT: The Labour Department has the responsibility of inspecting work sites to ensure safety and prevention of accidents as well as disease outbreaks at work. They also initiate claims by collating all information with respect to potential claimant and forward it to SSHFC for payment.
  • MEDICAL AND HEALTH DEPARTMENT: The Medical and Health Department provides treatment to injured workmen and advice on the degree of incapacity, the basis of compensation, in case of injuries unspecified in the schedule to the Act.
  • SOCIAL WELFARE DEPARTMENT: The Social Welfare Department are charged with the task of rehabilitating an injured worker who loses his/her limb(s). This includes the use of artificial limbs and retraining to become functional once more as well as offering them counseling services.
  • INDUSTRIAL TRIBUNAL: This tribunal is charged with the task of resolving disputes arising out of the administration of the fund. Aggrieved parties can make representations to the tribunal.

Regulatory Framework:

Current Act of Parliament - The Injuries Compensation Act 1990.

Overview of IICF

Compensation shall be payable to a workman who suffers an industrial injury or disease that incapacitates him for a period of at least 5 consecutive days. This includes any personal injury as a result of an accident whilst the workman is commuting to and from work within a reasonable time using the most direct route and reasonable means of transport or walking for the purpose of his employment.

Step 1: Reporting of Injury

  • When an injury or accident occurs, it is the responsibility of the workman or his supervisor to notify the employer and this has to happen within one month, however this may not be required if it is quite evident that the employer is aware of the accident.
  • The employer in turn needs to notify the Commissioner of Injuries (who also serves as the Commissioner of Labour) within 2 weeks, latest within 6 months. Again, this can be waived by the Commissioner using his discretion.

Step 2: Investigation and information gathering

The Commissioner once notified will proceed with the necessary investigation and gather all the necessary data from relevant authorities for claim assessment, following which computation of compensation is done for qualifying cases and then forwarded to SSHFC.

Step 3: Submission of claim to SSHFC

  • After assessment and computation of compensation for qualified cases, the claim is forwarded to SSHFC for review and eventual payment.

Step 4: Payment of compensation

  • Once the claim is reviewed by SSHFC and is found to be in order, SSHFC proceeds to pay accordingly, otherwise the claim is returned to the Commissioner or formally consulted for reassessment.
  • Payment can either be a one- off lump sum settlement or a periodic pension depending on the nature of injury. Those who qualify for pension would be issued with a compensation pensionís card.