According to regulations, employees working under labor contracts have the right to be paid occupational accident and occupational disease insurance by the employer.
Can construction supervision engineers participate in occupational accident insurance?
Workers need to participate in occupational accident insurance, especially those working in dangerous environments.
Recently, Dan Tri newspaper received many questions about participating in occupational accident and occupational disease insurance. Specifically, reader Nguyen Tien An (33 years old, from Ninh Binh) said: "I am an engineer supervising construction works, can I pay occupational accident and occupational disease insurance? If I pay, when does it happen? I have an accident, what do I get?".
Reader Tran The My (28 years old, living in An Giang) asked: "I am a sanitation worker, often exposed to harmful emissions, should I pay occupational accident insurance?, premium how?".
Responding to the above question, Lawyer Nguyen Huu Thuan (Ho Chi Minh City Bar Association) said that all employees need to participate in occupational accident insurance to prevent accidents, which will reduce the economic burden. during treatment. In particular, employees who often work in dangerous environments need to participate in occupational accident and occupational disease insurance.
If an employee suffers an occupational accident or an occupational disease that is not due to the employee's fault and has a decrease in working capacity of 5% or more, the entire cost of medicine and medical treatment will be free of charge. (Photo: Linh Son).
According to the provisions of Article 43 of the Law on Occupational Safety and Health 2015, if an employee works under an indefinite term labor contract and a labor contract with a term of 3 months or more, and the employee under a labor contract with a term from full one month to less than three months, they will be required to participate in occupational accident insurance.
According to Point C, Clause 1, Article 6 of the Law on Occupational Safety and Health, employees working under labor contracts have the right to be paid occupational accident and occupational disease insurance by their employers.
According to the provisions of Article 44 of the Law on Occupational Safety and Health, the employer must pay a maximum of 1% of the salary every month as the basis for payment of social insurance premiums of the employees specified in Article 43 of the Law. This will go to the Insurance Fund for occupational accidents and diseases.
If an employee suffers an occupational accident or an occupational disease that is not due to the employee's fault and has a decrease in working capacity of 5% or more, the entire cost of medicine and medical treatment will be free of charge. . Specifically, health insurance will pay 80%, and 20% will be paid by the company.
In addition, the enterprise will pay the entire salary from the time of the accident to the time of stable treatment of the injury. According to the provisions of Articles 48 and 49 of the 2015 Law on Occupational Safety and Health: Employees with a working capacity decrease of 5-30% are entitled to a one-time allowance.
