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Rates of Sickness and Maternity Benefits
Insured persons who are under the age of 60 and certified as an invalid by a medical practitioner, and who have made any of the following mix of contributions to the system:- 1. Made a minimum of 150 contributions, 50 of which must have been made during the 3 years immediately preceding the start of incapacity; or 2. Made 250 contributions in the 7 years immediately preceding the start of incapacity; or 3. Made 750 contributions or more. Complete the application for Invalidity Benefit Form N.I. 38 and return to the NIBTT Service Centre most convenient to you. There, one of our customer service representatives will accept your claim for processing. To complete the form you must: - · complete Section A of the Form N.I. 38 · take the form to your medical practitioner who must complete Section B · take the completed form together with supporting documents to the Service Centre. · Your Birth certificate if not previously submitted · Any supporting affidavit or Deed Poll (to support your given or acquired name). · Marriage Certificate is required for a married woman whose name has changed since her registration with the National Insurance System. · A Decree Absolute from a divorced woman where necessary · Foreign medicals will only be accepted where the duration, start date of illness and ailment are clearly stated and the attending doctor signs, dates and stamps the form. Such medicals must be accompanied by a letter of authentication from a Trinidad and Tobago High Commission or Embassy in the country in which the treatment was received. The responsibility for authenticating the status of the attending doctor rests with the insured. Alternative Evidence of Date of Birth Where you are unable to submit your Birth Certificate, the Board may in special circumstances accept, as alternative evidence of age, documents for which the presentation of a Birth Certificate maybe a requirement for issue. These will include: - a. A valid passport b. A valid driver’s permit c. A valid Electoral Identification Card d. Naturalisation records e. Baptismal certificate (registered within 1 year of birth) f. Religious records g. School Records h. Armed Forces discharge record i. Self-sworn affidavit (as a last resort) Alternative Evidence of Employment Where contributions may be outstanding on your behalf, you may be asked to supply alternative evidence of employment such as:
You must apply for the benefit within 3 months of the first day of being certified as being an invalid by your doctor. You must apply on time to ensure that you receive your benefit. Failure to submit your claim to the Board within 6 months of the start of your illness or loss of income can result in you losing your all or part of your benefit. You may lose any period that is more than 6 months earlier than the date on which the Board receives your claim unless you can show there was good cause for the delay in submission. Your explanation must be submitted in writing. Even with good cause you may still lose your benefit. Even with good cause, if your claim is made more than 12 months after the start of your illness or loss of earnings, the benefit shall be forfeited. The value of your Invalidity Benefit will be determined by the average rate of all the contributions you have paid based on the contribution requirements outlined in the section Who Can Claim. The earnings class to which this average rate corresponds is the class in which your benefit will be paid. Where you have paid more than 750 contributions, one increment will be added to the basic invalidity pension for every block of 25 additional contributions paid in excess of 750. If your invalidity has not ceased by the time you have reached 60 years, you may apply for the retirement pension at age 60 whether or not you have made 750 contributions. Where you have made less than 750 contributions, including benefit credits, the Retirement Pension will be paid at the same rate as the Invalidity Pension. Where you have made more than 750 contributions, including benefit credits, your Retirement Pension will be calculated and paid in accordance with the NI Act, and the basic Retirement Pension will be enhanced by increments as applicable. Where you may have qualified for Invalidity Benefit prior to May 3, 1999 and your incapacity does not cease at age 60 years, you will be paid Retirement Pension, from age 60, in the same amount paid as Invalidity Pension. While you are receiving the Invalidity Benefit you will receive benefit credits from the National Insurance Board as if you were on the job and contributing to the system. These contributions will be awarded in the same earnings class in which your benefit is paid. The benefit credits will help to ensure that your loss of earnings does not affect your entitlement to the retirement pension. Once you begin to receive an Invalidity Pension you must complete the Life Certificate process in June and December of every year to ensure that there is no disruption in your payments. To do this you must: a. Complete and return a Life Certificate Form to your Service Centre, either by hand or by mail. b. Or visit your Service Centre with a valid form of identification to complete the life certificate process. Should you submit your Life Certificate late your payment will be stopped temporarily until you come in or submit one. Once submitted, you will suffer no loss of income. Your benefit will be reinstated and paid.
Weekly and Monthly Rates of Retirement And Invalidity Benefit Pension
Maternity Allowance and Maternity Grant Insured women who are between 16 and 65 years of age, who are pregnant for a period of 26 weeks and who will be away from the job due to their delivery up to a maximum of 13 weeks can claim both the allowance and the grant. To qualify for either benefit you must have been employed and paying contributions for ten out of thirteen weeks prior to the start of your maternity period (this period begins 6 weeks before you are expected to have your baby) You will also qualify for Maternity Benefit if you were in receipt of a Sickness or an Employment Injury Benefit immediately before your maternity period. Complete the Application Form NI 12 (Maternity Benefit Claims Form) and submit it together with support documentation to the NIBTT Service Centre most convenient to you. There, one of our customer service representatives will accept your claim for processing. Please remember to have the doctor/registered midwife complete Section B of the form, not earlier than the 11th week prior to expected date of delivery. Section C of the form is to be completed by the insured’s employer. · Your Birth Certificate if not previously submitted · Any supporting affidavit or Deed Poll (where necessary) · A Marriage Certificate is required for a married woman whose name has changed since her registration. · Decree Absolute from divorced women. · Alternative evidence of confinement, e.g. Birth Certificate of baby; letter from attending doctor or registered midwife will be accepted. · Foreign medical certificates must be accompanied by a letter of authentication in respect of the doctor’s status from a member of a Trinidad and Tobago High Commission in the country where medical attention was sought. The responsibility for authenticating the status of the attending doctor rests with the insured. You may apply for this benefit not earlier than the 27th week of pregnancy. However, you must apply within 3 months of the actual date of delivery. You must apply on time to ensure that you receive your benefit. Failure to submit your claim to the Board within 3 months of the birth of your child can result in you losing your all or part of your benefit. You may lose any period that is more than 6 months earlier than the date on which the Board receives your claim unless you can show there was good cause for the delay in submission. Your explanation must be submitted in writing. Even with good cause you may still lose your benefit. Even with good cause, if your claim is made more than 12 months after the birth of your child the benefit shall be forfeited. With effect from January 7, 2008 the Maternity Grant is $2,500.00. The value of the maternity allowance will be determined by the average of the 10 highest contributions in the 13 weeks immediately preceding the start of your maternity period. The maternity period begins 6 weeks before your expected week of delivery (E.W.D.). 13 weeks + 6 weeks + E.W.D. The earnings class to which this average relates is the class in which your benefit will be paid.
SPECIAL MATERNITY GRANT
What is the Special Maternity Grant?
Who Can Claim? To quality for the benefit the spouse (the insured man) must satisfy the insurability and contribution requirements just as an insured woman who is eligible for the maternity benefit in her own right. The contributions of the insured man are used to qualify his spouse for the maternity grant. The woman must be the legal spouse or be deemed the common law spouse of the insured man.
Forms to be completed -
Other Documents
Time Frames:
3-12 Months
12 Months and over
Weekly and Monthly Rates of
Injury Benefit
Constant Care and Attendance Allowance
The Disablement Benefit is compensation paid to an insured person for the loss of physical or mental faculties including disfigurement, whether or not it is accompanied by loss of faculties, caused by an accident on the job. Such an accident on the job must arise out of or in the course of your employment, or through a prescribed industrial disease caused by the nature of your job. This Benefit is paid whether you return to your job or not. The Disablement Benefit consists of two categories: a) The Disablement Pension — This benefit is paid until the disability ceases. b) The Disablement Grant — This grant is paid as one lump-sum payment.
An insured person who has been injured on the job and/or has received the Injury Benefit for any period, up to a maximum of 52 weeks, and is medically assessed as having suffered a disability or loss of faculties based on an injury on the job. NI 119 Disablement Benefit Claim FormYou must apply for the benefit within 3 months of the date of the last Injury Benefit payment or from the date on which the accident occurred. You must apply on time to ensure that you receive your benefit. Failure to submit your claim to the Board within 3 months of the start of your disability can result in you losing your all or part of your benefit. You may lose any period that is more than 3 months earlier than the date on which the Board receives your claim unless you can show there was good cause for the delay in submission. Your explanation must be submitted in writing. Even with good cause you may still lose your benefit. The loss of benefit will be as follows:-
You will receive a disablement pension if your doctor assesses the extent of loss of faculties or disability as 20% and over. Where your assessment is a multiple of five, for example 25%, it will be treated as the next highest percentage that is a multiple of 10, in this case 30%. Similarly, where your assessment is not a multiple of five it will be treated as the nearer percentage which is a multiple of 10. For example, an assessment of 28% will be treated as 30% but an assessment of 24% will be treated as 20%. If you are receiving a Disablement Pension and are hospitalised for necessary care, your disablement will be assessed as 100% during the period of hospitalisation. Submit your claim to the NIBTT Service Centre most convenient to you. There, one of our customer service representatives will accept your claim for processing. You will be paid a percentage of the Injury Benefit you were receiving based on your Earnings Class. The percentage paid will be the percentage of disability assessed by your doctor. For How Long Will Disablement Pension Be Paid? You will receive your benefit for as long as the disability continues. The Board may review a medical assessment of disablement and pay that later assessment if it is different from the earlier one. This benefit is one lump-sum payment made where the extent of disablement is assessed at less than 20%. Where your disablement is assessed at 3% or less, 3% will be paid. How much will be paid? The lump-sum payment will be paid. The formula for calculating the Disablement Grant is: -% Disablement x number of weeks of Disability not exceeding 365 weeks x half the assumed earnings. If you are already in receipt of Disablement Benefit and submit a subsequent claim for Disablement arising out of a new injury for which you are assessed at 20% or more, you shall be required to be re-assessed to establish a total permanent partial disability taking into account all injuries suffered and the current Disability Benefit revised to reflect the new assessment. Once you begin to receive a Disablement Pension you must complete the Life Certificate process in June and December of every year to ensure that there is no disruption in your payments. To do this you must: · Complete and return a copy of the Life Certificate and return it to your Service Centre, either by hand or by mail. · Or visit your Service Centre with a valid form of identification to complete the life certificate process. Should you submit your Life Certificate late your payment will be stopped temporarily until your Life Certificate is submitted. Once submitted, you will suffer no loss of income. Your benefit will be reinstated and paid. Medical Expenses are paid to an insured person who incurs the cost of medical treatment for the personal injury or prescribed industrial disease up to a maximum of $22,500 per injury. Prior to March 01 2004, the maximum amount payable was $15,000. Medical Expenses include the following: - a. Doctor’s Fees b. The cost of drugs & dressings c. Hospital Expenses d. Operations e. The cost of necessary para-medical treatment e.g. physiotherapy, appliances f. The cost of travel incidental to an insured person receiving care and treatment. g. Constant care and Attendance Allowance (regular or periodic care as recommended by the attending doctor). Who Can Claim? Required Documentation When to apply? Late Applications How to Apply? How Much Will be paid? Rates of Medical Expenses Reimbursements You may make a claim for medical expenses where, as an insured person, you are eligible to receive Employment Injury Benefit. Medical Expenses are payable for as long as you can produce evidence from the doctor that you are under treatment for the particular injury and/or disease. Medical Expenses will not be paid in circumstances where the employer has met such costs. N.I. 114 Application for Medical Expenses From the 1st March 2004, the NIBTT will accept a certificate from a Paramedical Practitioner for Employment Injury Benefit (EIB) claims only if the insured was referred by a medical practitioner with a written proof of referral. The expenses must relate to medical attention you received for injuries caused by an accident arising out of and in the course of your employment or for a prescribed industrial disease. The following documents must be submitted to support your claim: Bills and receipts for any of the medical expenses identified above. 1. Foreign medical certificates must be accompanied by a letter of authentication in respect of the doctor’s status from a Notary Public in the country where medical attention was sought or a member of a Trinidad and Tobago High Commission. The responsibility for authenticating the status of the attending doctor rests with the insured. 2. Any referral letters to specialist or Paramedical Practitioner for foreign treatment. 3. The following information must be shown on the receipt from pharmacy:
4. Para-medical treatment/equipment: a. A letter of referral from the attending doctor recommending treatment and/or equipment to be provided by a particular person/institution MUST be produced. b. Where the attending doctor himself administers such para- medical treatment or provides para-medical equipment, a letter of referral is not required. c. Where expenses are incurred for para-medical treatment/equipment provided while the claimant is hospitalised, such expenses must be considered. a. The full name of the claimant should be written on each bill/receipt in addition to Vehicle Registration Number, Date and Amount. b. The normal route-taxi fares are to be applied in normal circumstances. c. Where you use your own car, reimbursement in relation to route-taxi fares will be paid. d. If there is doubt whether hired transport should have been used, the claimant may be asked to obtain a statement from his doctor to this effect. e. Where under Travelling Expenses a claim is made for the travelling expense of an escort, the claimant must submit a letter from the attending doctor certifying that there was a need for an escort. Where an escort is used on the day of the injury to accompany the claimant to the doctor’s office/hospital, then the above will be waived for that day only, depending on the nature and extent of the injury. 6. Constant Care and Attendance Allowance: a. A certificate from the attending doctor, advising that constant care and attendance is required, and the period for which same is required. b. A statement from the person or institution (e.g. convalescent home) providing the care, indicating the period(s) for which the services were rendered. c. A Paramedical Practitioner means a person who is not a Medical Practitioner but supplements and supports medical work and includes a Chiropractor, Physiotherapist, Dental Technician or Psychologist. You must apply for the benefit within 3 months of the date on which the expenses were incurred. You must apply on time to ensure that you receive your benefit. Failure to submit your claim to the Board within 3 months of incurring the medical expense can result in you losing all or part of your benefit. You may lose benefit for any expense incurred that is more than 3 months earlier than the date on which the Board receives your claim unless you can show there was good cause for the delay in submission. Your explanation must be submitted in writing. Even with good cause you may still lose your benefit. Even with good cause, if your claim is made more than 12 months after incurring the expense the benefit shall be forfeited. Submit your claim to the NIBTT Service Centre most convenient to you. There, one of our customer service representatives will accept your claim for processing. The rates of payment for the categories of Medical Expenses are described below with the exception of (e), (f) and (g). There are limits in each category with the maximum amount payable as medical expenses for an injury being $22,500.00.
Rates Of Medical Expenses Reimbursements
Rates Of Constant Attendance and Care Allowances
What is Death Benefit? The Death Benefit is a payment or periodical payments made to specific survivors of a deceased insured person who died as a result of an accident or of a prescribed industrial disease arising out of or in the course of employment. Employer’s ResponsibilityThe employer must certify that death occurred as a result of the accident/prescribed industrial disease.
For how long will the Injury Death Benefit be paid? Remarriage Grant Life Certificate You can claim the Death Benefit if you are one of the following five types of dependants:- 1. Widow—legal/common law 2. Widower—legal/common law 3. Children 4. Orphans 5. Dependent parent (s) In order to qualify the dependents must provide documentary evidence to prove their relationship to the deceased insured person. Widow/Widower The benefit is paid to the lawful spouse of the Insured person (the spouse is lawful even if separated from the Insured person). Common-Law SpouseAs a Common-Law Spouse you will be paid the benefit if both you and the Insured person were legally single persons, living together as husband and wife up to the date of death of the insured person for a minimum of 3 years. A single person is one who was never married or, if married, was released from the marriage due to death of the Insured person or a decree of divorce absolute. A Common Law spouse may be either nominated or not nominated as beneficiary by the insured prior to his or her death. The official Nomination of Beneficiary form is Form NI 42. Where you were not nominated as beneficiary you must provide alternative evidence of nomination and evidence of cohabitation for 3 years prior to the death of the insured person. N.I. 117 Employment Injury Death Benefit Claim Form · Death Certificate of deceased insured person · Birth Certificate of widow and eligible children · Medical Certificate for mentally or physically disabled child · Medical Certificate for pregnant spouse, certifying pregnancy and expected date of confinement. · N.I. Registration Card of deceased and · Marriage Certificate for Legally Married Persons
The following are some examples of documents you may use as alternative evidence of nomination. a. Will - claimant is indicated as spouse/beneficiary. b. Employer’s Pension Plan - claimant recorded as spouse/beneficiary. c. Life Insurance Policy - claimant indicated as spouse/beneficiary. d. Credit Union document - claimant indicated as spouse/beneficiary. e. Deed - in both parties names. f. Birth Certificate of child - both parties named. g. Joint Account – Statement in both parties names h. Statutory Declarations from 3 prominent people in the community to attest to knowledge of common law relationship In addition, such claims will be advertised in the newspaper once per week for three consecutive weeks. If no objection is lodged by a spouse of either party and all other qualifying conditions are met, you will be paid the benefit as the widow/widower of the deceased insured. Alternative Evidence of Paternity for Child AllowanceThe following are some examples of documents you may use as alternative Evidence of Paternity when the father’s name is not inserted on the Birth Certificate of the child. a. Marriage Certificate of Parents b. Paternity order given by a court c. Adoption Certificate where child is adopted d. Evidence of pregnancy at date of death of insured father and birth certificate when child is born You must apply for the benefit within 12 months of the date of death of the insured person. You must apply on time to ensure that you receive your benefit. Failure to submit your claim to the Board within 12 months from the date of death of the insured person may result in the benefit being paid from the date it was received by the Board, unless you can show there was good cause for the delay in submission. Your explanation must be submitted in writing. Submit your claim to the NIBTT Service Centre most convenient to you. There, one of our customer service representatives will accept your claim for processing.
Children must be legally single (unmarried). A stepchild is a child of the surviving spouse who was resident in the home at the time of the death of the insured person and who was wholly or partially maintained by the insured person. The benefit will also be paid to a child who was in the mother’s womb at the time of the father’s death. You will receive an allowance for that child from the first day of the contribution week of date of his or her birth. The dependant parent will be paid for life or until he or she remarries. In cases where the benefit is paid to both parents and one parent dies, the total benefit will be paid to the surviving parent. Should you remarry while still receiving your payment as the surviving spouse of a deceased insured person you will be paid a Remarriage Grant. You will no longer receive a pension for yourself but you will continue to receive payments for any dependent children who are still eligible for a child allowance. The Remarriage Grant for persons in receipt of the Death Benefit is equal to 52 weeks of Benefit. Once you begin to receive a Death Benefit you must complete the Life Certificate process in June and December of every year to ensure that there is no disruption in your payments. To do this you must: - a. Complete and return a copy of the Life Certificate and return it to your Service Centre, either by hand or by mail. b. Or visit your Service Centre with a valid form of identification to complete the life certificate process. Should you submit your Life Certificate late your payment will be stopped temporarily until you come in or submit one. Once submitted, you will suffer no loss of income. Your benefit will be reinstated and paid. What Is The Retirement Benefit? The National Insurance Retirement Benefit is designed to supplement the income of individuals after retirement. Every employee who has paid National Insurance contributions is entitled to a Retirement Benefit. You qualify for the Retirement Benefit at any time between the ages of 60 and 65 if you are retired or at age 65 whether you retire or not. The Benefit may be either: a. A Retirement Pension payable for life to persons who have 750 contributions or more - the minimum requirement for a basic pension, or b. A Retirement Grant which is a lump sum payment, subject to a minimum sum of $200.00 paid to persons who have made less than 750 weekly contributions the minimum requirement for a basic pension.
Anyone who is insured under the system and who has attained age 60 years and has retired or at any age between 60 and 65 years that he or she retires; or who is aged 65 whether retired or not. What Are The Qualifying Conditions? Retirement Pension You must:
N.I. 82 Retirement Benefit Claim Form · Birth Certificate · Any supporting Affidavit or Deed Poll where necessary · Marriage Certificate for Married /Divorced Women · A Decree Absolute from Divorced Women · Late Claim Letter giving exceptional circumstances why claim is being made late Alternative Evidence of Date of Birth Where you are unable to submit your birth certificate the National Insurance Board of Trinidad and Tobago (NIBTT) may, in special circumstances, accept as alternative evidence of age, documents for which the presentation of a birth certificate is a requirement for issue. These will include: a) A valid passport b) A valid driver’s permit c) Naturalization Records d) Baptismal Certificate (registered within 1 year of birth) e) Religious Records f) School Records. g) Armed Forces Discharge Record h) Self-Sworn Affidavit (as a last resort) Alternative Evidence Of Employment Where contributions may be outstanding on your behalf you may be asked to supply alternative evidence of employment such as:
A Claim to Retirement Benefit may be submitted about three months before: - · Your 65th Birthday if you are not retired · Your 60th Birthday if you retire at age 60 or before · The date on which you plan to retire if you are between 60 and 65 years of age and still employed · Your Claim must be submitted no later than 12 MONTHS from your date of retirement if you are between 60 and 65 years of age or your 65th birthday whether retired or not. Retirement Pension An average rate of contribution is calculated by considering all the contributions paid. The earnings class to which this average rate corresponds is the class in which the benefit will be paid. Where the insured person was in receipt of the Retirement Pension prior to the appointed day, benefit rates were converted as described in the table overleaf. Remember: For every block of 25 contributions paid in excess of 750 one increment is added to the basic pension rate. Notwithstanding the benefit rates in respect of retirement pension the board shall pay with effect from October 1st 2003 the sum of $1,000. monthly, as a pension to each person qualifying for a Retirement Pension of less than $1,000. The Retirement Grant
Please Note:
For How Long Will The Benefit Be Paid? Retirement Pension Payment of Retirement Pension will start from the Monday of the week in which Retirement Age was reached and continues on a monthly basis for life. Payment for each month will be deposited to the claimant’s bank account on the 16th day of the preceding month. Retirement Grant Retirement Grant is one lump-sum payment. There will be no further payments to the insured. What Happens If I Return To Work After Retirement? Persons who are in receipt of a retirement benefit and who returned to work on or after March 1, 2004 will continue to receive their Retirement Pension entitlement. Life CertificatesOnce you begin to receive a Retirement Pension you must complete the Life Certificate process in December and June of every year to ensure that there is no disruption in your payments. To do this you must complete and return a copy of the Life Certificate and return it to your Service Centre, either by hand or visit your Service Centre with a valid form of identification to complete the life certificate process. Should you submit your Life certificate late your payment will be stopped temporarily until you come in or submit one. Once submitted, you will suffer no loss of income. Your benefit will be reinstated and paid.
The National Insurance Survivors' Benefit is a periodical payment made to specific dependents of an insured person who dies otherwise than by way of employment injury.
Who Can ClaimA widow or widower - whether legally married or Common Law, child/step-child or adopted child, orphan, or dependent parent of a deceased insured who has made a minimum of 50 contributions to the system. Common-Law Spouse As a Common-Law Spouse you will be paid the benefit if both of you were both legally single persons living together as husband and wife up to the date of death of the insured person. A Common Law spouse should be nominated as beneficiary by the insured prior to his or her death. The official Nomination of Beneficiary form is Form NI 42. Where you were not nominated as beneficiary you must provide alternative evidence of nomination and evidence of cohabitation for 3 years prior to the death of the insured person. N.I. 51 - Survivors' Benefit Claim Form · Death Certificate of deceased insured person · Medical Certificate for mentally or physically disabled child · Medical Certificate for pregnant spouse, certifying pregnancy and expected date of confinement. · N.I. Registration Card of deceased · Birth Certificate of Widow and Eligible Children · For Legally Married Persons a Marriage Certificate · For Common Law (Nominated) § Decree Absolute or relevant Death Certificate where one or both of the parties was/were previously married · For Common-Law Situations (Not Nominated) § Evidence of marital status of claimant and deceased § Evidence of common-law relationship, i.e. evidence of three years of cohabitation up to the time of death § Decree Absolute where one or both of the parties was/were previously married · For Dependent Parents§ Evidence of support of dependent parent(s) by the insured person § Birth Certificate of the deceased insured person Alternative Evidence of Nomination for Common Law SpouseThe following are some examples of documents you may use as alternative evidence of nomination. You must supply three (3) affidavits from reputable persons in the community attesting to the fact that you both lived a common law situation for 3 years or more. These may be supported by: · Will - claimant is indicated as spouse/beneficiary. · Employer’s Pension Plan - claimant recorded as spouse/beneficiary. · Life Insurance Policy - claimant indicated as spouse/beneficiary. · Credit Union document - claimant indicated as spouse/beneficiary. · Deed - in both parties names. · Birth Certificate of child - both parties names. · Joint Account Statement in both parties names. In addition, such claims will be advertised in the newspaper once per week for three consecutive weeks. If no objection is lodged by a spouse of either party or by the immediate family of the deceased insured and all other qualifying conditions are met, you will be paid your benefit. Alternative Evidence for Child AllowanceThe following are some examples of documents you may use as alternative Evidence of Paternity when the father’s name is not inserted on the Birth Certificate of the child. · Marriage Certificate of Parents · Birth Certificate of child · Paternity Order · Adoption Certificate where child is adopted · Evidence of pregnancy at date of death of insured father and birth certificate when child is born · Statutory Declaration from a relative of the deceased for example the mother You must apply for the benefit within 12 months of the date of death of the insured person. You must apply on time to ensure that you receive your benefit. Failure to submit your claim to the Board within 12 months of the date of death of the insured person can result in you losing your benefit for any period earlier than 12 months before the date on which the Board receives your claim unless you can show there was good cause for the delay in submission. Your explanation must be submitted in writing. Submit your claim to the NIBTT Service Centre most convenient to you. There, one of our Customers Service Representatives will accept your claim for processing. Payments are made in the following categories · Widow Or Widower’s Pension to a surviving spouse · A Child Allowance to a dependent child/step-child, adopted child of the deceased insured person. With effect from January 07, 2008 a child will receive a minimum of $400.00 per month. Where both parents were insured persons and are deceased the child will receive no less than $640 per month. · A Dependent Parent Allowance to a parent who was wholly or mainly maintained by the deceased insured. The rate of survivors benefit paid based on the death of an insured person will be determined by the earnings class of the average of all the contributions paid by the insured person. This benefit rate is shared between all the survivors in a ratio established in the regulations as follows – 60 % for the surviving spouse (Widow/Widower) and the rest is shared among any dependant children and/or parent. Not withstanding this, a child will receive a minimum of $400.00 per month. For How Long Will The Benefit Be Paid
Children must be legally single A stepchild is a child of the surviving spouse who was resident in the home at the time of the death of the insured person and who was wholly or partially maintained by the insured person. The benefit will also be paid to a child who was in the mother’s womb at the time of the father’s death. You will receive an allowance for that child from the Monday of the date of his or her birth. The dependant parent will be paid for life or until he or she remarries Should you remarry while still receiving your payment as the surviving spouse of a deceased insured person you will be paid a Remarriage Grant. You will no longer receive a pension for yourself but you will continue to receive payments for any dependent children who are still eligible for a child allowance. Once you begin to receive a Survivors Pension you must complete the Life Certificate process in June and December of every year to ensure that there is no disruption in your payments.To do this you must: - · Complete and return a copy of the Life Certificate and return it to your Service Centre, either by hand or by mail. · Or visit your Service Centre with a valid form of identification to complete the life certificate process. Should you submit your Life Certificate late your payment will be stopped temporarily until you come in or submit one. Once submitted, you will suffer no loss of income. Your benefit will be reinstated and paid. The National Insurance Funeral Grant is a lump-sum payment made to the person who met the cost of Funeral Expenses of a deceased insured person.
A spouse, a relative, a friend, or the administrator of the estate of the insured person, employer.
The Funeral
Grant will be paid only if the insured person:
made 25 contributions to the system while engaged in insurable employment; or
was in receipt of
Employment Injury Benefit
at the time of death: or
would have been entitled to receive Employment Injury
Benefit but for the fact of death N.I. 8 Funeral Grant Claim Form
Supporting Documentation
· The Death Certificate· Bills/receipts for funeral expenses· National Insurance Registration Card of the deceasedThe claim must be submitted to the Service Centre within 3 months of the date of death of the insured person. You must apply on time to ensure that you receive your benefit. Failure to submit your claim to the Board within 3 months of the date of death of the insured person can result in you losing all or part of your benefit. You may lose any period that is more than 3 months earlier than the date on which the Board receives your claim unless you can show there was good cause for the delay in submission. Your explanation must be submitted in writing. Even with good cause you may still lose your benefit. Even with good cause, if your claim is made more than 12 months after the death of the insured, the benefit shall be forfeited. Submit your claim to the NIBTT Service Centre most convenient to you. There one of our customer service representatives will accept your claim for processing. Copyright © 2009 National Insurance Board |
