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Industrial Accident Compensation Insurance

01 Industrial Accidents

The Industrial Accident Compensation Insurance claims a premium from the business owners to protectworkers from industrial disasters, and the fund is paid to employees instead of the owner. In principle,it applies to all businesses and companies that hire workers. If a worker is injured in the course of work,he or she must apply to the Korea Labor Welfare Corporation, and accident compensation wages maybe provided following a review.

Korea Workers’ Compensation & Welfare Service website – Media room – Brochure - for foreigners – Comwel working for workers

(1) Tips to Remember in the Event of an Industrial Accident

To apply for industrial accident compensation, the worker must apply directly to the Korea Worker'sCompensation and Welfare Service (☎1588-0075) or visit a counseling organization for help.
Early treatment is very important if an industrial accident occurs. Victims must consult with an expertfor diagnosis and treatment. In the event of finger loss, the victim must visit a hospital that providesfingertip joining operation services.
A worker may still apply for compensation for an industrial accident caused by his or her own error,provided that the accident occurred while he or she was working.
Accident insurance premium can be transferred only to the account in the name of the very person.So workers who receive treatment after an industrial accident must immediately open a bank accountif they have not done so already
During treatment for an industrial accident, a company cannot fire a worker or force deportation.There are cases in which foreigners are illegally deported or the family of a victim of an industrialaccident is not properly compensated due to foreign workers’ unfamiliarity with the law. Victims ofindustrial accidents must immediately consult with a counseling organization so that they are fullyinformed of their rights.

(2) Qualifications

Businesses or employees of affiliated businesses governed by the Industrial Accident Compensation InsuranceAct can apply for compensation in the case of injury, illness, disability, or death while on the job.

(3) Preparation of Documents

When filling out the application form for medical care expenses, you should record the content anddate of accidents in detail and correctly. If the worker gets treated at a medical institution for industrialaccidents, the medical institution can prepare the documents on his or her behalf.

(4) Compensation Procedure

Accident
Transfer to the Hospital
Issuance of Medical Certificate
Preparation of the Initial
Application for Medical Care
Submission to the Service
Review of Course of Accident,
Injury or Illness
Medical Advice (if necessary)
Deliberation and Decision
Notification of Decision
(Applications, Businesses and Medical sinesses and Medical Organizations)

(5) Types of Compensation for Industrial Accidents

Types of Compensation for Industrial Accidents
Items	Descriptions
Medical care expenses	Cash benefits for treatment of diseases or injury provided through a medical organization untilthe victim has recovered
Temporary incapacity benefits	70% of the average income is provided daily to protect the livelihood of injured workers andtheir families during the recovery period
Injury and disease compensation pension	If a worker receiving medical care expenses has grade 1 to 3 of grave medical condition andhas been under medical treatment for 2 years or more, this pension is provided instead of leavepayment.
Disability allowance	Allowances paid according to the severity of disability when a disability occurs as a result of anindustrial accident/treatment for an industrial accident
Personal care benefits	Benefits paid to those qualified for sick leave benefits who used medically necessary personalcare services after treatment
Occupational rehabilitation benefits	Benefits for employers who maintain employment or conduct rehabilitation training oradaptation training for beneficiaries of disability benefits, individuals who require occupationaltraining when they have a grade 1 to grade 12 disability and are getting treated, or who have agrade 1 to grade 12 disability and are receiving disability benefits
Allowances to surviving family·funeral service expenses	Funeral service expenses and allowances provided to surviving family for the basic living securityof the surviving family in the event of the death of an employee

02 Basic Safety Rules

The first step for the prevention of industrial accidents is to keep your work space and surrounding areasclean and organized. Hallways should be kept clear, and floors should be checked on a regular basis toensure they are not slippery. The following are basic safety rules that can be applied to every workplace.

Work after considering the risk factors in the related work.
Turn off the power before cleaning, or any repair, and maintenance work.
Wear working clothes while working; do not smoke or eat on the work site.
Do not wear cotton gloves when working with a rotating machine.
Wear protective gear, such as safety hat and shoes.
Wear protective glasses when working in an area with particulates and dust during cutting, using machines, etc.
Harmful materials should be classified and stored in a designated location by type.
Wear a protective mask (gas mask) when using organic solvents like cleansers and adhesives.
Always be aware of the location of the nearest exit.
Always be aware of the location of the first-aid kit and the fire extinguisher.
Check all safety and hygiene messages such as prohibition·warning·instruction·information, etc.
Wash your hands before eating.