The National Insurance Sickness Benefit is paid to an insured person who is incapable of working because of sickness or because he is suspected of having a contagious disease and is so certified by a Registered Medical Practitioner. This benefit is not paid if the incapacity arose from injury on the job. You may however be entitled to the Employment Injury Benefit/s if the incapacity arose from injury on the job.
Who Can Claim?
An insured person A person who is insured under the National Insurance Act Chapter 32:01 or a person in insurable employment is sick and between 16 and 65 years, who suffers a loss of earnings as a result of illness or contagious disease for 4 or more days. The insured person must have made a minimum of ten (10) contributions in the 13-weeks prior to the illness.
Forms To Be Completed
NI15 Sickness Benefit Claim Form
N15A Medical Certificate for
- Birth certificate (if not previously submitted).
- A Marriage Certificate is required for a married woman whose name has
changed since her registration, and a completed
NI 182 (Change of
Particulars of the Insured Person) where necessary.
- Foreign medicals will only be accepted where the duration,
start date of illness and nature of incapacity are clearly stated and the
attending doctor signs, dates and stamps the form. Such medicals must be
accompanied by a letter of authentication from a Trinidad and Tobago High
Commission or Embassy in the country in which the treatment was received. The
responsibility for authenticating the status of the attending doctor rests
with the insured.
When To Claim?
A claim must be submitted to the Service Centre nearest to you within three (3) months of onset of illness or loss of earnings whichever is later.
- 0 - 3 Months - Claim on time and can be accepted
- 3 - 12 Months - Claim late and may be accepted with good cause
- 12 Months and over - Claim late and shall be disallowed
How To Claim?
Submit your claim to the NIBTT Service Centre most convenient to you. There, one of our customer service representatives will accept your claim for processing.
You must apply on time to ensure that you receive your benefit. Failure to submit your claim to the NIBTT within 6 months of the start of your illness or loss of income can result in you losing all or part of your benefit. You may lose any period that is more than 6 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.
Even with good cause, if your claim is made more than 12 months after the start of your illness or loss of earnings, the benefit shall be forfeited.
How Much Will Be Paid?
The earnings class in which your benefit will be paid is determined by the average of the 10 highest contributions in the 13 weeks (3 months) immediately preceding the week in which you became ill.
The value of your benefit will be the maximum benefit rate payable in the corresponding earnings class if your loss of earnings is equal to or exceeds that benefit rate. Where loss of earnings is less than the maximum rate payable in the said class then the value of the benefit will be equal to your actual loss of earnings.
While you are receiving the Sickness Benefit no contributions are due to the Board on your behalf. You will receive benefit creditsA contribution credited to an insured person in receipt of benefit in the same earnings class in which the benefit is paid. A credit is given for each week the benefit is paid from the National Insurance Board as if you were on the job and contributing to the system. These contributions will be awarded in the same earnings class in which your benefit is paid. The benefit credits will ensure that your loss of earnings does not affect the entitlement to any further benefits.