Social Protections: A Basic Human Right
Social protections, also known as social security, are a fundamental human right essential for safeguarding against various life risks and social needs. These include medical assistance, unemployment insurance, workmen’s compensation, and maternity benefits. Investing in social protections not only benefits employees but also enhances the well-being of the entire community.
Understanding Unemployment Insurance
As an employer of domestic workers, it is crucial to be aware of your legal obligations regarding the Unemployment Insurance Fund (UIF). The UIF is designed to provide short-term relief to individuals who find themselves unemployed or unable to work due to illness, maternity leave, or adoption leave. Additionally, the UIF offers support to the dependents of a contributor who has passed away.
Key Facts About UIF:
- Employer Responsibility: Employers must register both themselves and their domestic workers with the UIF.
- Monthly Contributions: Each month, employers contribute 2% of the domestic worker’s wages to the UIF. This includes 1% deducted from the worker’s wages and an additional 1% paid by the employer.
- Coverage: Any domestic worker working more than 24 hours a month for an employer is covered by the UIF.
- Multiple Employers: Domestic workers employed by multiple employers can be registered for each job they hold.
- Inclusivity: Since 1 March 2018, both foreign national employees and their employers are required to contribute to the UIF.
Compensation for Occupational Injuries and Diseases
The Compensation for Occupational Injuries and Diseases Act (COIDA) provides compensation to employees who suffer injuries or contract diseases while performing their work duties. In cases of work-related deaths, COIDA ensures compensation for the employee’s dependents. As of 19 November 2020, employers of domestic workers must contribute to the Compensation Fund, enabling their employees to claim compensation for work-related injuries, illnesses, disabilities, or deaths.
Key Facts About COIDA:
- Types of Compensation:
- Temporary Disability: Payments for employees who eventually recover from their injury or illness.
- Permanent Disability: Payments for employees who do not fully recover.
- Death: Payments to the dependents of the deceased employee.
- Medical Expenses: Payments covering medical and related costs.
- Form of Compensation: Compensation can be provided as lump-sum payments, periodical payments, or monthly pension payments, depending on the circumstances.
- Employer Responsibility: Similar to the UIF, employers are responsible for registering their employees and making contributions to the Compensation Fund.
Conclusion
Understanding and complying with these regulations is essential for creating a secure and supportive working environment for domestic workers. By fulfilling your legal obligations related to social protections, unemployment insurance, and occupational injury compensation, you contribute to the overall well-being and security of your employees and the community at large.
Contact Us
Navigating these requirements can be complex, but we are here to help. Our team provides services to assist employers in meeting their obligations under UIF and COIDA. If you need support or have any questions about registering your employees and making the necessary contributions, please don’t hesitate to contact us. We’re committed to ensuring that both you and your domestic workers are protected and secure.
Contact us today to learn more about our services and how we can assist you in providing the best support for your domestic workers.
