Disablement Benefit is paid to a worker who suffers a “loss of physical or mental faculty” as a result of a job-related accident or disease. This loss is medically determined by comparing the specific loss of ability with the ability of a “normal” healthy person of the same age and sex. The loss is then expressed as a percentage from one to 100.
An assessment of one to 24 percent is paid as a one-time grant; assessment of 25 percent or more is paid as a monthly pension, plus a one-time grant.
A person may return to work and continue to receive Disablement Benefit.
Free Medical Care: National Insurance will pay for 40 weeks all reasonable medical expenses of a person who suffers a job-related injury, or contracts a job-related illness, unless the degree of disablement assessed is more than 25 percent, in which case medical care can continue for two years. Medical care may be obtained in The Bahamas at a facility of one’s own choosing. Persons seeking medical attention outside of The Bahamas, must first obtain approval from the National Insurance Board.
Additionally, persons with 100 percent disablement, who require constant care and attendance, receive an additional 20 percent of the Disablement Benefit each month.