• Medical care benefits refer to the insurance benefits paid to the workers who were injured or contracted a disease for job-related reasons.
• Medical care benefits include the diagnosis and examination expenses, drug expenses, treatment expenses, surgery expenses, hospitalization expenses, nursing expenses, transport expenses, auxiliary device expenses, etc.
• In principle, medical care benefits are offered in the form of in-kind benefits provided by medical institutions covered by industrial accident compensation insurance, with no expense paid out of the pocket of worker until recovery. As an exception, medical care benefits can be received in the form of cash payment. However, workers may have to pay out of pocket for the ineligible items not specified in the Standard for Estimation of Medical Care Benefits for Occupational Diseases.

• It refers to the insurance benefits paid to the worker who sustained injury or contracted a disease for work-related reasons for the period not worked due to medical care. The amount equal to 70/100 of average wage is paid per day.
• Shutdown benefit is designed to guarantee short-term income, paid to protect the worker and his/her family’s livelihood for the period during which no wage is paid due to occupational disease. This benefit is always conditional on medical care as the payment is made for the period unemployed due to medical care, and no medical benefits are paid upon expiration of the period of medical care. In addition, if the worker was employed and provided labor during the medical care period, no shutdown benefit is paid for the period employed.

• It refers to the insurance benefits paid to the workers with physical disability caused after recovery from occupational injury or diseases, and is designed to preserve the income of such workers who lost the ability to provide labor after recovery.
• To Claim Disability Benefits
  • The industrial accident worker's medical treatment must have ended and reached a state of recovery. In this context, recovery refers to a state where no further therapeutic effect can be expected for the injury or disease and the symptoms have become fixed.
  • The disability remaining after recovery must correspond to the disability grade standards under the Industrial Accident Compensation Insurance Act. Therefore, even if a certain state of disability remains, disability benefits will not be paid if it falls short of those standards.
• Disability grades range from Grade 1 to Grade 14, and benefits are paid as either a disability compensation pension or a lump-sum disability compensation payment according to the recipient's choice. However, workers with disability grades 1 to 3 are paid a disability compensation pension; for grades 4 to 7, they can choose between a pension or a lump sum; and for grades 8 to 14, it is paid as a lump sum.

Swipe to view the full table.

• Survivor benefits are insurance benefits paid to the bereaved family upon a worker’s death related to works. They are paid in the form of pension(if the beneficiary prefers, 50% can be paid in a lump sum and the remaining 50% can be paid in the form of pension). Survivor benefits are paid in a lump sum only if there is no beneficiary of the survivor compensation annuity.
• Survivor’s pension : An amount equal to 47/100 of 365 days’ worth of average wage + additional amount
  • Additional amount : The sum of the amount equal to 5/100 of the basic annual benefit per survivor compensation annuity recipient who was living with the worker at the time of the worker’s death,
  • which is within the range not exceeding 20/100 of such amount.
• Survivor’s lump-sum payment : 1,300 days' worth of the average wage
• Funeral service expenses are insurance benefits paid to cover the expenses incurred from funeral service upon death of a worker due to work-related causes.
  Funeral expenses are paid to the person who carried out the funeral, that is, the person who bore the funeral expenses, in the event that a worker dies due to work-related causes. This refers to the cost of supporting actual expenses for the execution of a funeral, amounting to an amount equivalent to 120 days' worth of average wages (within the range of minimum and maximum amounts).
• However, if there are no surviving family members to conduct funeral service, or if a person other than surviving family members conducts funeral service due to other unavoidable circumstances, the actual expenses incurred within the range of an amount equal to 120 days’ worth of average wage are paid to the person who conducted the funeral service.

• Sickness compensation pension is paid to a worker, a recipient of medical care benefits, if the worker has not recovered from injury or disease even after 2 years have elapsed since he/she began to receive medical care for convalescence and falls under incurable grade(Grade 1 to 3) and also paid to a worker, a recipient of disability compensation pension, who is receiving medical care again due to worsening injury or disease.

• Nursing care benefits are provided to the person who is always or frequently in need of medical nursing care after recovery. The payment is made for the day that the person actually received nursing care. Nursing care benefits are designed to facilitate patient’s return to normal life with assistance from others when the patient’s condition still leaves something to be desired physically and mentally despite completion of medical treatment.
• Persons eligible for permanent sickness benefits : Persons with grade 1 physical or mental disabilities, who are in need of constant nursing care from another person to perform activities necessary for daily life
• Persons eligible for intermittent sickness benefits: Persons with grade 2 physical or mental disabilities, who are in need of intermittent nursing care from another person to perform activities necessary for daily life.
• Exceptions to payment : If the person eligible for sickness benefits fails to pay the nursing expenses after convalescing at the institutions that provide medical care free of charge, or if the nursing expenses paid by the person evidently fall short of the amount of nursing benefits, then the nursing benefits are denied or only the amount equal to the expenses actually incurred is paid.
  No nursing benefits are provided until completion of renewed convalescence, given that the nursing benefits are provided in the form of nursing fee while the person is receiving the medical care again.

Swipe to view the full table.