Disablement Benefit

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:

  • The Disablement Pension — This benefit is paid until the disability ceases.
  • The Disablement Grant — This grant is paid as one lump-sum payment.
     

Who Can Claim?

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 calendar weeks, and is medically assessed as having suffered a disability or loss of faculties based on an injury on the job.

Forms To Be Completed

NI119 Disablement Benefit Claim Form

All of these forms are available FREE of charge at any National Insurance Service Centre or are downloadable.



 

Time Frames

You 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.

  • 0-3 - Months Claim on time and can be accepted
  • 3-12 - Months Claim late and may be accepted with good cause
  • 12 - Months & Over Claim late and shall be disallowed
     

You must apply on time to ensure that you receive your benefit.  Failure to submit your claim to the NIBTT within 3 months of the start of your disability 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 NIBTT 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:-

In the case of Disablement Grant

The entire Grant, unless the claimant can show that, throughout the period between the effective date of the contingency and the date on which the NIBTT received the claim, good cause existed for delay in submission of the claim.

In the case of Disablement Pension

The loss of benefit for any period more than 6 months from the date on which the NIBTT receives the claim. Even with good cause you may still lose your benefit. If your claim is made more than 12 months after the start of your disablement, you shall lose the benefit.

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National Insurance Board of Trinidad and Tobago (NIBTT)