Accident Insurance

The objective of this insurance is to have employers insure their employees for the costs of medical care and loss of income as a consequence of an accident. The benefit is 100%. In the event of permanent disability, a wage substitute benefit will be paid. In the event of death as a consequence of an accident, surviving relatives will be entitled to accident pay.

1. What is an industrial accident?

An industrial accident is an accident during the performance, or in connection with the performance, of work which results in unfitness for work or the need for medical treatment. Certain illnesses are considered industrial accidents. An accident which an employee meets on his way from home to work or vice versa, is also considered to be an occupational accident (provided he/she has taken the shortest route to or from his/her work).

2. What should you do, when you are involved in an industrial accident?

You should ask your employer for an industrial accident claim form and take this form to your doctor. You should personally hand the industrial accident claim form, completed by the doctor, to the examining doctor or the SVB doctor.
3. What are you entitled to, if you were involved in an industrial accident?

Medical and hospital treatment. Artificial aid (prostheses) and expedients. Industrial injury benefit.
4. What are the persons dependent on the person involved in a fatal industrial accident entitled to?

The dependent persons are entitled to a cash benefit.

5. What is the amount of the industrial injury benefit?

100% of your daily wages during the first year . 80% of your daily wages during the subsequent years. You will receive industrial injury benefit at the rate of the unfit-for-work percentage.
6. What can you do, if you disagree with a decision made by the SVB?

By virtue of the Administrative Justice Act, you have the following possibilities if you are in disagreement with this decision. You can submit a letter of objection to the Director of the Social Insurance Bank, Pater Eeuwensweg 9, Curaçao within six weeks after the date that this decision has been issued, or in cases where it can be proven that this decision was received on a later date within the six weeks of said date. In your letter of objection clear mention must be made of the reasons of your disagreement and also of the decision which, according to you, the Social insurance Bank should take. Be sure to date your letter and please state your identification number. Please put on the envelope “letter of objection” and be sure to sign your letter.

You can also file a written appeal with the clerk of the Court. This appeal must be submitted within six weeks after the date that this decision has been issued, or in cases where it can be proven that this decision was received on a later date, within the six weeks of said date. In your appeal – that has to be submitted in duplicate- clear mention must be made of the reasons of your disagreement and also of the decision which, according to you, the Social Insurance Bank should take. As a matter of principle, a court fee will be charged when submitting an appeal to the clerk of the Court.