Workmen's Compensation Insurance
Workmen's Compensation Insurance is designed to protect the employer against their liabilities to employees in respect of injuries suffered by them in the course of their employment as per Labour Law/Workmen's Compensation Ordinance. In the UAE, compensation is governed by Chapter 8 of Federal Law No. 1980.
The Main Benefits Are as Follows:
1. **Occupational Death**
24 months of the worker's last remuneration before the death, subject to a minimum of Dhs. 18,000/- and a maximum of Dhs. 35,000/-.
2. **Permanent Disability**
Percentage of Death benefits as per the specified scale.
3. **Loss of Wages (Cash Allowance)**
- Up to the first six months, 100% of the full salary.
- For the remaining six months, 50% of the full salary.
4. **Medical Expenses**
Incurred at local Government or public medical centers are reimbursable.
In addition to the basic Workmen's Compensation cover, the employer can protect himself against the claim made by the employee under Common/Sharia Law up to a selected limit of indemnity, which generally varies from Dhs. 500,000/- to Dhs. 1 million (Employers Liability Insurance).
As an added benefit to employees, the Workmen's Compensation cover can be extended to include accidents occurring within the territorial limits but outside duty hours too, in line with the benefits payable under the Labour Law.
Please find the attached UAE law about insurance.
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Regards,
Raghu