Job Seeker Handbook

9. SOCSO

9.6 The Coverage of Employment Injury Insurance Scheme

• The Employment Injury Scheme provides coverage for accidents that occur while :
  • 9.6.1 Traveling (Commuting accident)
    • while traveling on a route between the place of residence or stay and the work place
    • while traveling between the work place and the place where the employee takes meals during any authorized recess
    • while traveling on a journey directly connected to work
    Except for accident that occurs during a stoppage or deviation done for personal reasons, all commuting accidents are considered as employment related.
  • 9.6.2 Arising out of and in the course of employment
    • Accident that happens while performing official duty at the work place which arise out of the employment.
  • 9.6.3 Occupational diseases
    • An employee contracting a disease to which he is exposed to various hazards by the nature of his duty.
    • The list of occupational diseases is found in the Fifth Schedule of the Employees' Social Security Act 1969.
• Several benefits are provided under the Employment Injury Insurance Scheme :
  • 9.6.4 Medical Benefit
    • Where an employee contracts any occupational disease or meets with an accident, he is entitled to treatment at a SOCSO Panel Clinic or any government hospital or clinic.
    • To be eligible for free treatment, a employee or his representative is required to bring along an :
      • Accident Report (Form 21) or an Identification
      • Letter from his employer or Report of Occupational Diseases Form 68 & Form 69 (whichever is relevant)
    • SOCSO will settle his medical bill on behalf by paying the medical treatment provider directly.
    • Where the employee initially receives treatment in a SOCSO Panel Clinic, treatment must be continued at the same clinic until recovery or unless he is referred to a Government Hospital.
    • In the event of serious injury, the treatment should be at the nearest government hospital.
    • Where an employee requires in-patient treatment, he is eligible for second class ward treatment at the hospital. Where an employee requires specialist treatment, such treatment can also be provided at a government hospital.
    • Reimbursement for medical expenditure incurred at a non SOCSO Panel Clinic may only be submitted for consideration.
  • 9.6.5 Temporary Disablement Benefit
    • An employee who has been certified by a doctor to be unfit for work for not less than 4 days including the day of the accident is eligible for this benefit. This benefit will be paid for the period the employee is on medical leave.
    • The daily rate of this benefit is equivalent to 80% of the average assumed daily wage. However, the employee will be paid a minimum rate of RM10 if the daily rate is below RM10. An employee whose wage exceeds RM1,900 per month will be paid a maximum rate of RM52 per day.
  • 9.6.6 Permanent Disablement Benefit
    • An employee who has been certified by a Medical Board or an Appellate Medical Board to be suffering from permanent disablement as a result of an employment injury is eligible for this benefit. Where the permanent disablement is assessed to be 100%, an employee will be paid a daily rate equivalent to 90% of the average assumed daily wage, subject to a minimum daily rate of RM10.
    • An employee can claim the benefit to be paid as a lump sum if the permanent disablement is assessed to be 20% or less.
    • However, where the assessment of the loss of earnings capacity exceeds 20%, the employee is given an option to exchange 1/5 of the daily rate of permanent disablement benefit into a lump sum payment while the balance will be paid as a monthly pension for life.
    • While receiving this benefit, an employee may continue to work.
  • 9.6.7 Constant Attendance Allowance
    • This allowance is paid to an employee who is suffering from permanent total disablement or 100% loss of earnings capacity, and is so severely incapacitated that he constantly requires the personal attendance of another person. Subject to a maximum of RM500, the allowance is equivalent to 40% of the rate of permanent total disablement benefit.
    • The Medical Board or the Appellate Medical Board will determine the eligibility for this allowance and the payment will be paid directly to the recipient of the benefit.
  • 9.6.8 Funeral Benefits
    • Where an employee dies as a result of an employment injury or while receiving disablement benefit, an amount of RM1,500 will be paid. Payment will be made to the eligible next-of-kin. Where there are no next-of-kin, the person who incurred the funeral expenditure will be paid the benefit. The maximum amount for the benefit is the actual amount incurred or RM1,500 whichever is lower.
  • 9.6.9 Rehabilitation Benefit
    • SOCSO provides facilities for vocational and physical rehabilitation to employee who suffers from permanent disablement.
    • Physical rehabilitation includes physiotherapy, occupational therapy, reconstructive surgery, as well as the supply of artificial limps such as artificial leg, hand, eye and dentures and other prosthetic appliances such as wheelchairs, hearing aids, crutches, spectacles, calipers and orthopedics shoes, including their repair and replacement.
    • An employee who is unable to find a suitable job due to his permanent disablement, can apply to undergo vocational training in courses such as radio or television repairs, metal trade, electrical wiring, repairs of refrigerator and air-conditioner, tailoring, plumbing, typing and secretarial work.
    • SOCSO will bear all expenses incurred for the purpose of vocational and physical rehabilitation based on rates and conditions determined by SOCSO.
  • 9.6.10 Dependant's Benefit
    • Where an employee dies as a result of an employment injury, the dependants are entitled to this benefit. Subject to a minimum rate of RM10 per day, the full daily rate of dependants' benefit is 90% of the average assumed daily wage.
    • Where there is no widow, widower or an eligible child, the following persons can receive the benefits if they depend wholly or partially on the employee's income at the time of his death.

  << 9.5 The Invalidity Pension Scheme Cover and The Benefits Provided | 9.7 The Rate of SOCSO Contribution >>

  Table of Contents

  1. Regulation of Employment (HTML)
     1. Hiring
        • 1.1 The Minimum Conditions Set Out For Employment
        • 1.2 The Contract of Service
        • 1.3 Understanding of Probation
        • 1.4 Payment of Wages to Employee
        • 1.5 Leave Entitlement of Employee
        • 1.6 The Maternity Right of Female Employee
        • 1.7 The Working Hours and Rest for Employee
        • 1.8 The Minimum Age of Employee
     2. Firing
        • 2.1 The Circumstances a Contract of Service be Terminated by Either Employer or Employee
        • 2.2 Notice Period Required Terminating a Contract of Service
        • 2.3 Termination without Cause Or Excuse by My Employer
        • 2.4 The Circumstances an Employee as Not Entitled to Termination or Lay-Off Benefits
        • 2.5 Actual Amount of Layoff Benefits Payable
     3. Workmen's Compensation
        • 3.1 The Compensation
        • 3.2 The Law Governing The Workmen's Compensation in Malaysia
        • 3.3 Individual Covered Under The Workmen's Compensation Act 1952
        • 3.4 Foreign Worker Insured by Employer
        • 3.5 What Should Be Done If A Worker Is Involved in an Accident
     4. Sexual Harrassment
        • 4.1 What Is Sexual Harassment?
        • 4.2 Types of Sexual Harassment
        • 4.3 The Differences Between Verbal, Non-Verbal, Visual, Psychological And Physical Harassment
        • 4.4 Law in Malaysia to Deal Specifically with Sexual Harassment
        • 4.5 Chances Of Seeing Justice Being Done
        • 4.6 What Should I Do If I Am Being Sexually Harassed?
     5. Occupational Safety and Health Act
        • 5.1 What Is Occupational Safety and Health Act?
        • 5.2 The Act Affection
        • 5.3 The Written Safety and Health Policy
     6. Dispute
        • 6.1 What Is a Dispute?
        • 6.2 The Industrial Relations Act 1967 Provides
        • 6.3 What Are the Cases That I Can Refer to Industrial Relations?
        • 6.4 Complaint to the Industrial Relations
        • 6.5 Unlawfully Dismissed
        • 6.6 Presenting in a Dispute Case
        • 6.7 Appeals against Industrial Court Decision
     7. Pension
        • 7.1 What Is Pension?
        • 7.2 The Individual Entitled To Pension Benefit
        • 7.3 Circumstances Reducing or Withholding Pension
        • 7.4 Calculation of Pension
        • 7.5 Who Is Deemed to Be A Pensionable Officer?
        • 7.6 Granted a Pension
        • 7.7 Compulsory Retirement
        • 7.8 Optional Retirement
        • 7.9 The Pension Where an Officer Dies in Service
        • 7.10 The Pension Where an Officer Dies After Retirement
        • 7.11 Cease a Pension
        • 7.12 Pension for Disabled Person In The Course Of Performing His Official Duty
        • 7.13 The Rate Payable for Disability Pension
        • 7.14 Is a Pension Assignable?
     8. EPF
        • 8.1 What is Employment Provident Fund (EPF)?
        • 8.2 Contribute Towards the Fund
        • 8.3 The Procedure to Register An Employee With The EPF
        • 8.4 When Should Employer Pay Contribution to EPF
     9. SOCSO
        • 9.1 What Is Social Security Organization (SOSCO)?
        • 9.2 Compulsory Contribute To SOCSO
        • 9.3 Wages Mean For The Purpose Of SOCSO Contribution
        • 9.4 The Coverage Provided To an Insured Person by SOCSO Under ESSA 1969
        • 9.5 The Invalidity Pension Scheme Cover and The Benefits Provided
        • 9.6 The Coverage of Employment Injury Insurance Scheme
        • 9.7 The Rate of SOCSO Contribution
        • 9.8 The Responsibilities of an Employer
        • 9.9 Interest on Contributions Due and Not Paid On Time by Employer
        • 9.10 What About An Employee With Monthly Wages Exceeding RM2,000
        • 9.11 Report an Accident and Make My Claim
        • 9.12 Processing a Claim
        • 9.13 Appeal
  2. Statutory Holiday (PDF)
  3. Salary Act (PDF)