Work Injury Benefits
Disability / Work Injury Benefit
Work injuries include commuting accidents, accidents sustained during working hours, at the workplace, or at a place where one would not have been except for their employment. They are divided into four categories: (i) permanent total incapacity, (ii) permanent partial incapacity, (iii) temporary incapacity, and (iv) fatal injury leading to the death of a worker.
In the case of permanent total incapacity/disability, the amount payable is 70% of average daily earning is paid until full recovery or certification of a permanent disability.
In the case of permanent partial disability, the amount of compensation depends on the assessed degree of disability. If the assessed degree of disability is less than 30%, a lump-sum amount is paid. The maximum partial disability benefit is 84 times the insured person's average monthly earnings, according to the assessed degree of disability.
If the insured person requires the constant attendance of others to perform daily functions, 25% of the permanent disability benefit is paid.
In the case of temporary disability, an insured worker, after certification from the medical board, can get a temporary disability benefit as 70% of his average daily earnings immediately before the work injury occurred or the occupational disease began is paid for up to 24 months or until full recovery or certification of permanent disability. The incapacity must last at least three days after the work injury occurred or the occupational disease began.
In the case of fatal injury, dependents (widow/widower/minor children/parents) receive survivors' benefit. The widow(er) or cohabiting partner is entitled to either a monthly pension of 40% of the full permanent disability benefit the deceased would have been entitled to receive or a lump sum of two times the full permanent disability benefit. The orphan pension is 20% (40% for full orphans) of the full permanent disability benefit the deceased would have been entitled to receive is paid to those orphans younger than 18 (no age limit is observed for students and disabled).
In case, there are no other eligible survivors, 40% of the full permanent disability benefit is paid for totally dependent parents, siblings, grandparents, and grandchildren; a lump sum is paid if these survivors were partially dependent.
Source: § 39-40 of the National Social Security Fund Act 1997 ; ISSA Country Profile Tanzania
