Did you know that apart from the SSS and PhilHealth, we also have the Employees’ Compensation Program? This is a government-funded program that is implemented to provide financial and medical support in case we get sick or meet an accident while at work or while performing our duties as workers. Not a lot of people know this so I thought it would be good to write about it to serve as our reference.
All these information are lifted from the ecc.gov.ph website.
- What is the Employees’ Compensation Program (ECP)?
The Employees’ Compensation Program is a government program designed to provide a compensation package to public and private employees and/or their dependents in the event of work-related sickness, injury, or death.
- Who is covered by the ECP?
- Private sector workers who are compulsory members of the SSS
- Sea-based Overseas Filipino Workers
- Government sector employees who are compulsory members of the GSIS
- Uniformed personnel of the AFP, PNP, Bureau of Jail Management and Penology, Bureau of Fire Protection, and Philippine Coast Guard.
- When shall coverage of the employees under the Employees’ Compensation Program start?
All mentioned covered employees above are given protection under the ECP starting from the FIRST DAY OF EMPLOYMENT.
- Who pays the EC Contribution?
The employer shall pay for the EC contribution of his/her employees.
|Range of Compensation||Amount of Employers’ Contribution per month|
|P 1,000 – P 14,749.99||P10.00|
|P 14,750.00 and above||P30.00|
For the public sector – P100 regardless of the range of monthly compensation.
- What contingencies are compensable under the ECP?
Any work-connected INJURY or SICKNESS, resulting in DISABILITY or DEATH of covered employee is compensable under the ECP.
- When is a sickness compensable under the Employees’ Compensation Program?
A sickness is considered compensable if the same is included in the ECC’s List of Occupational Diseases and the conditions for its compensability are met. If the conditions were not satisfied and/or the claimed ailment is not included in the list, proof must be shown that the risk of contracting the disease is increased by the working conditions. This is known as the increased-risk theory.
- When is an injury compensable under the Employees’ Compensation Program?
An injury is considered compensable when the same takes place within the period of employment, at a place where the employee may reasonably be in the performance of his duties, and while he is fulfilling those duties or engaged in doing something incidental thereto, or where he is engaged in the furtherance of the employer’s business.
- When is an accident considered to have “risen out of and in the course of employment”?
An accident may be considered to have arisen out of and in the course of employment when it happened:
- At the workplace;
- While performing official functions;
- Outside of the workplace, but performing an order/instruction of the employer;
- When going to or coming home from work;
- While ministering to personal comfort;
- While in a company shuttle bus; or
- During a company-sponsored activity.
- What are the benefits under the ECP?
- Loss of income benefit or cash benefit is given to a worker to compensate for the loss of income due to inability to work. The three types of loss of income benefits are:
- Temporary Total Disability (TTD)
- Permanent Total Disability (PTD)
- Permanent Partial Disability (PPD)
- Medical benefits – reimbursement of the cost of medicine for the illness or injury, payment to providers of medical care, hospital care, surgical expenses, and the costs of appliances and supplies.
- Rehabilitation Services – provision of remedial treatment, vocational assessment, and preparation which is designed to meet the individual needs of each handicapped employee to restore him to suitable employment.
Rehabilitation services may be in the form of any of the following:
- Medical-surgical management;
- Necessary appliances and supplies;
- Physical restoration;
- Psychosocial counseling;
- Psychiatric evaluation;
- Skills training;
- Entrepreneur training;
- Hearing impairment evaluation;
- Visual impairment evaluation; and
- Job referral.
- Carer’s allowance – is provided to an employee who suffers from a permanent partial or permanent total disability as a result of a work-related contingency arising out of employment; and
- Death benefits – which include funeral and EC death pension granted to beneficiaries of an employee who died as a result of compensable sickness or injury.
Who are entitled as beneficiaries of an employee covered by the ECP? I will feature that in my next blog, so make sure to drop by again.
See you again!