Frequently Asked Questions
Workers' Compensation is a wage loss replacement benefit for expenses arising out of an accident or illness that occurs while working for an employer. In other words, job-related injuries and illnesses.
Bermuda has legislated benefits under the Workers’ Compensation Act (1965) together with subsequent amendments that hold employers liable to compensate their employees for loss of income and medical expenses. However, for most industries, insurance is not mandatory and the employer can choose either to self-insure against such expenses or purchase a workers’ compensation policy from an insurer.
All employees, aged 16 or above, of the Employer as defined by the Employment Act of 2000 and subsequent amendments, who are Bermuda residents and work for the Employer in connection with the Employer’s Business.
Eligible classes of employees can include:
- Part-time employees working less than 15 hours per week for the Employer,
- Temporary employees working less than three months per year for the Employer,
- Students working for the Employer on weekends, public holidays and /or vacation periods.
Please note eligible classes of employees can vary from plan to plan.
Workers' Compensation loss of income benefits can be based on the current legislated benefit of $170.00 per week or a percentage of salary.
There are five components paid under our Workers' Compensation Plans. These components are (1) death benefit, (2) permanent total incapacity, (3) wage loss replacement, (4) medical expenses and (5) employers’ liability.
No. To qualify for Workers’ Compensation benefits an employee must be disabled due to a work-related accident or occupational disease as defined in the Workers' Compensation legislation and unable to work.