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Due to profit motive, writ large under the previous Workmen Compensation
Act, (WCA) many of the victims of workplace injuries, receive less than
humane treatment or satisfactory compensation. The Insurance Group with
the benefit of hindsight, has this legendary characteristic of persistently
attacking progressive labour because of sheer profit motive.
In 1994 during the transformation of the National Provident Fund (NPF) into
Nigeria Social Insurance Trust Fund, (NSITF) with enhanced benefit for
workers covering Invalidity Pension/grant. Retirement Pension/grant,
Survivors pension/grant and Funeral grant, the Insurance Group petitioned
Government to exempt its members supposedly “with better
pension/retirement schemes.”
However, they were unable to have their way in the face of the
overwhelming tripartite (Govt. as represented by the Ministry of Labour,
Organised Labour, NLC and Employers, NECA) that informed the
transformation of the provident fund scheme to social insurance.
The group’s full page advertorial of Tuesday 6th July 2010 expressed
disgust with the aspect of the Employees Compensation Bill that “seeks to
pay employee compensation “for the life” of the injured worker or the
dependants of deceased workers notwithstanding that the employer might
have made contribution in respect of that worker for only one year….”and
called on the people’s representatives in the National Assembly to reject it.
Apart from this solidarity feature the following are other fine distinctions
between insurance claim and employees compensation claim;
“In insurance the sum payable is limited to the insurable value of the policy
taken not necessarily to ensure that (in the case of an injured worker) the
worker recover from the injury. However, under the Employees’
Compensation Bill now passed into law, the scheme is to compensate the
worker, follow up to see that he recovers and where he does not, rehabilitate
him and where any part of his body requires artificial part support, assist him
to get it. Contrarily, under the Workmen’s Compensation, where it is made
is a one-off payment and thereafter to hell with the worker.
“In insurance, the cause of injury is relevant and assessed. If for instance the
injury results from a negligent act not covered as one of the circumstances
under which claim can be made, insurance claim for such an injury may be
defeated. Mercifully, under the Employees’ Compensation Act, the
employer contributes regularly to the fund against any form of injury at
work by any means. Thus, the cause of injury will not be relevant before
claim for injury sustained at work and in the course of work will be assessed
and paid. It is a no-fault claim.
The new Act is a Social Security Act which has no nexus with the profit
motivated private insurance. We workers are no longer available for
commercialization by the Insurance Group.