1. The National Insurance Board
Of Trinidad and Tobago
1

2. The National Insurance Board
of Trinidad and Tobago
What is National InsuranceWhat is National Insurance
Employer ObligationsEmployer Obligations
National Insurance BenefitsNational Insurance Benefits

3. The National Insurance Board
of Trinidad and Tobago
What is Social Security?
“…the protection which society provides for its
members…against the economic and social distress…
resulting from
• Sickness,
• Maternity,
• Employment Injury
• Invalidity
• Old ageand
• Death…”
Excerpt from ILO 1984a definition of Social Security)

4. The National Insurance Board
of Trinidad and Tobago
What is National Insurance in
Trinidad and Tobago?

5. The National Insurance Board
of Trinidad and Tobago
» It provides retirement income, sickness
and disability coverage for eligible
workersand their dependents.
» “Premiums” are a combination of
contributions made by the employee and
theemployer
» Benefits are based on the contributions an
individual makes during his or her
lifetime.

6. The National Insurance Board
of Trinidad and Tobago
Who Must
Register?
Under the National Insurance Act, Chapter 32:01
asamended:
– all employers
– their employees and unpaid apprentices, except those
exemptedundersection29:01and 29:02of theAct,
must register with theNIB.

7. The National Insurance Board
of Trinidad and Tobago
Important Terms
• Employee
• Employer
• InsurableEmployment

8. The National Insurance Board
of Trinidad and Tobago
Who is an
Employee?
Employed person – a person in receipt of
earnings in respect of employment and
includes domestics, casual agricultural
workersand paid apprentices
National InsuranceAct 9 of 1999

9. The National Insurance Board
of Trinidad and Tobago
Who is an
Employer?
EMPLOYERS under the National
Insurance Act, are persons or organisations
who employ the following types of
persons: -
– persons earning $150.00 or more per
week
– paid and/or unpaid apprentices

10. The National Insurance Board
Of Trinidad and Tobago
Employer
Obligations
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11. The National Insurance Board
of Trinidad and Tobago
• Ensure that your company and all your existing
employees are registered with the National Insurance
Board
• Register yourself and your employees within fourteen
daysof hiring your first employee
• Register new employees within fourteen days of
hiring them
• Prepareand maintain accuratepay records

12. The National Insurance Board
of Trinidad and Tobago
• Every employer must beregistered including
those who employ only domestic and casual
workers
• All insurable emplo yees must beregistered

13. The National Insurance Board
of Trinidad and Tobago
Who is an Insurable
Employee?
A person who earnsat least $150 per week,
is considered to be in insurable
employment and therefore eligible for
coverage under the National Insurance Act
(Chapter 32:01)

14. The National Insurance Board
of Trinidad and Tobago
Registration - Where
• Registration should take place at any National
InsuranceServiceCentre
• Registration formsarealso availableonlineat
www.nibtt.co.tt

15. The National Insurance Board
of Trinidad and Tobago
What Are
Contributions?
• A contribution is a weekly payment fixed
in relation to the wages/salaries of the
insured person.
• Salaries and wages are structured into 16
earnings classes each of which carries an
assumed averageweekly earning.

16. The National Insurance Board
of Trinidad and Tobago
Earnings
For National Insurancepurposes, earningsincludemorethan thebasic wage
or salary. Earningsalso includebut isnot limited to:
• Acting Allowances
• Overtimepayments
• Cost of living allowances
• Commission on Sales
• Production or efficiency bonuses
• Danger or dirt money
• Paymentsfor standby duty
• Allowancesfor dependents

17. The National Insurance Board
of Trinidad and Tobago
Contribution Rates

18. The National Insurance Board
of Trinidad and Tobago
Employers are required by Law to pay
contributions on behalf of all employees
and unpaid apprenticesand ;
submit a monthly statement of
contributions due and paid for all
employed persons.

19. The National Insurance Board
of Trinidad and Tobago
Important
Contributions for all employees and unpaid
apprentices, are due from the start of their
employment, apprenticeship or probationary
period.

20. The National Insurance Board
of Trinidad and Tobago
MultipleEmployment
Where an employee has multiple employment all
employers must pay contributions on behalf of the
employee.

21. The National Insurance Board
of Trinidad and Tobago
Contributions
• Make the appropriate deductions from your
employees’ wagesat source
• Remit the whole of the combined deduction to the
National InsuranceBoard Service Centre on or before
thelast working day of themonth
• Ensure that the required information relating to the
employees for which thecontributions arebeing paid
is remitted to the NIB at the time that such
contributionsarebeing paid

22. The National Insurance Board
of Trinidad and Tobago
Contributions
An employed person who:
• Isunder 16 yrsold
• Over 65 yrs
• In receipt of a Retirement Benefit and returns to insurable
employment
shall only be insured for the injury benefit. The contribution
shall bepaid only by theemployer in classZ:

23. The National Insurance Board
Of Trinidad and Tobago
Guide to
Benefits
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24. The National Insurance Board
of Trinidad and Tobago
Benefits provided under the NIS
Long Term Short Term Employment Injury
Retirement
- Pension
- Grant
Invalidity
Survivors
- Widow/Widower
- Child / Orphan
- Dependant Parents
Sickness
Funeral Grant
Maternity
- Grant
- Allowance
Special Maternity Grant
Injury Allowance
Medical Expenses
Disablement
- Pension
- Grant
Death Benefit
- Widow/Widower
- Child
- Dependant Parents

25. The National Insurance Board
Of Trinidad and Tobago
Employment Injury
Benefits
25

26. The National Insurance Board
of Trinidad and Tobago
A uniquetypeof benefit paid to:
• An insured person who is rendered incapable
of work through personal injury or mental
incapacity which arises out of and in the
courseof employment or
• through the development of a prescribed
industrial disease caused by the nature of the
job

27. The National Insurance Board
of Trinidad and Tobago
Death
Benefit
Employment Injury Benefits
Injury Disable
-ment
Medical
Expenses

28. The National Insurance Board
of Trinidad and Tobago
Injury
An insured person who is rendered incapable
of work through:
• personal injury or mental incapacity which
arises out of and in the course of employment
or
• through the development a prescribed
industrial disease caused by the nature of the
job
Employment Injury Benefits

29. The National Insurance Board
of Trinidad and Tobago
Who can Apply?
An insured person who is away from the job
for no less than 3 days as a result of injury
arising out of and during the course of his
employment.

30. The National Insurance Board
of Trinidad and Tobago
Making the
Application
Form to becompleted:
• Form NI 19– Application for Injury Benefit
and or
• NI19A – Medical Certificate for continuing
injury/disease
The relevant section of the forms must be
completed by aregistered medical practitoner.

31. The National Insurance Board
of Trinidad and Tobago
BENEFIT DISQUALIFICATION
Employment Injury Benefit disqualification my
occur where:
o Incapacity resulted from their own seriousand willful
misconduct.
o Without reasonablecausebehavesin amanner likely to retard
their recovery.
o Engagesin work for which remuneration isor would
ordinarily bepayable.
o Refusesto respond to reasonableenquiriesfrom theNIBTT

32. The National Insurance Board
of Trinidad and Tobago
When to Apply?
• The Application must be made within 14 days
of the date of the accident/prescribed disease
or thestart dateof incapacity.
• Late submission of the claim can result in the
lossof thebenefit

33. The National Insurance Board
of Trinidad and Tobago
How Much
will be Paid?
The benefit payment is determined by using
the class of contribution paid or due for the
week of the accident or the week prior to the
accident, whichever ishigher

34. The National Insurance Board
of Trinidad and Tobago
Benefit Rates
Earnings Class Injury Pension Weekly Payments
Injury Pension Monthly
Payments
Class I 133.33 577.76
Class II 193.33 837.76
Class III 260.00 1,126.67
Class IV 336.67 1,458.90
Class V 413.33 1,791.10
Class VI 500.00 2,166.67
Class VII 593.33 2,571.10
Class VIII 686.67 2,975.57
Class IX 786.67 3,408.90
Class X 890.00 3,856.67
Class XI 993.33 4,304.43
Class XII 1,106.67 4,795.57
Class XIII 1,226.67 5,315.57
Class XIV 1,360.00 5,893.33
Class XV 1,486.00 6,439.33

35. The National Insurance Board
of Trinidad and Tobago
How long will the
Benefit be Paid?
Thebenefit ispaid for amaximum of
52 calendar weeks
If the incapacity continues beyond 52 weeks,
the insured can be assessed to determine his or
her entitlement for a Disablement benefit

36. The National Insurance Board
of Trinidad and Tobago
Disablement Benefit
• The Disablement Pension — This benefit is
paid until thedisability ceases.
• The Disablement Grant — This grant is paid
asonelump-sum

37. The National Insurance Board
of Trinidad and Tobago
Qualifying
Conditions
Disablement Pension ispaid:
• Where the insured is assessed as having a loss of faculty of
20% and more
Disablement Grant isPaid:
• Where theinsured isassessed ashaving lessthan 20% lossof
faculty or disability
• Where disablement is assessed at less than 1%, the insured
shall bedeemed assuffering no lossof faculty.

38. The National Insurance Board
of Trinidad and Tobago
Making the
Application
• Formsto BeCompleted
– NI 119 - Disablement Benefit Claim Form
• You must apply for the benefit within 3 months from
theend dateof theInjury Benefit Period.

39. The National Insurance Board
of Trinidad and Tobago
Late Applications
• Failure to submit your claim to the Board within 3
months 3 months from the end date of the Injury
Benefit Period may result in lossof benefit.
• A letter explaining thelatesubmission isrequired.
Employment
Injury
Benefits

40. The National Insurance Board
of Trinidad and Tobago
How much
will be paid?
Disablement Grant
• Onelump-sum payment will bemade.

41. The National Insurance Board
of Trinidad and Tobago
How much
will be paid?
Disablement Pension:
• You will be paid a percentage of the Injury Benefit as
aDisablement Pension.

42. The National Insurance Board
of Trinidad and Tobago
How much
will be paid?
• If you are already in receipt of Disablement Benefit
and submit a subsequent claim for Disablement
arising out of anew injury for which you areassessed
at 20% or more…
• You shall be required to be re-assessed to establish a
total permanent /partial disability and the current
Disability Benefit revised to reflect the new
assessment.

43. The National Insurance Board
of Trinidad and Tobago
Life Certificates
• Once you begin to receive a Disablement Pension you must
submit aLifeCertificatein themonths of July and January of
every year. This is to ensure that there is no disruption in
your payments.
• To do thisyou must:
– Complete a copy of the Life Certificate and return it to the Service
Centre.

44. The National Insurance Board
of Trinidad and Tobago
Medical Expenses
Medical Expensesarepaid to :
• an insured person who incurs the cost of
medical treatment for the personal injury or
prescribed industrial disease arising out of and
in thecourseof employment

45. The National Insurance Board
of Trinidad and Tobago
Medical Expenses
• Medical expenses are paid up to a maximum
of $33,750.00 per injury

46. The National Insurance Board
of Trinidad and Tobago
Medical Expenses
• Medical expensesIncludetheFollowing:
• a. Doctor'sFees
• b. Thecost of drugsand dressings
• c. Hospital Expenses
• d. Operations
• e. The cost of necessary Para-medical treatment e.g.
physiotherapy, appliances
• f. The cost of travel incidental to an insured person receiving
careand treatment.
• g. Constant Careand AttendanceAllowance

47. The National Insurance Board
of Trinidad and Tobago
Qualifying
Conditions
The expenses must relate to medical attention
received for injuries caused by an accident
arising out of and in the course of
employment or for a prescribed industrial
disease

48. The National Insurance Board
of Trinidad and Tobago
Making the
Application
• N.I. 114 Application for Medical Expenses
• Submit the completed application form to
any of our Service Centres within three
months of the date on which the expenses
wereincurred

49. The National Insurance Board
of Trinidad and Tobago
Failureto submit your claim to theBoard
within 12 monthsWILL result in thelossof
your benefit.
Employment
Injury Benefits

50. The National Insurance Board
of Trinidad and Tobago
Death Benefit
• TheDeath Benefit isaperiodical payment
• It is made to specific survivors of a deceased
insured person who died as a result of an accident
or of a prescribed industrial disease arising out of
or in thecourseof employment.

51. The National Insurance Board
of Trinidad and Tobago
Death Benefit
• Survivorsinclude:
– Widows
– Widowers
– Children
– Dependent parents

52. The National Insurance Board
of Trinidad and Tobago
Qualifying
Conditions
The deceased insured person must have died
as a result of an injury arising out of and in the
courseof hisor her employment

53. The National Insurance Board
of Trinidad and Tobago
Making the
Application
• N.I. 117 Employment Injury Death Benefit
Claim Form
• Copy of :
– birth certificate,
– marriagecertificateand
– death certificate

54. The National Insurance Board
of Trinidad and Tobago
Supporting
Documentation
• Death Certificateof deceased insured person
• Birth Certificateof widow and eligiblechildren
• Medical Certificatefor mentally or physically disabled child
• Medical Certificate for pregnant spouse, certifying pregnancy
and expected dateof confinement.
• MarriageCertificatefor Legally Married Persons

55. The National Insurance Board
of Trinidad and Tobago
Making the
Application
When To Apply?
• You must apply for the benefit within 12
months of the date of death of the insured
person.
• Failure to submit the application on time can
result in thelossof all or part of thebenefit

56. The National Insurance Board
of Trinidad and Tobago
How Much
will be paid?
The value of the Death Benefit will be
determined by the rate of contribution paid or
due for thedeceased insured in theweek of or
the week prior to the date of death whichever
isgreater.

57. The National Insurance Board
of Trinidad and Tobago
How Long will the
Benefit be paid?
• Spouse/Dependent Parent
– Thebenefit ispaid for lifeor until remarriage
• Dependent child:
– Thebenefit ispaid until age19
– Marriage
– Cessor of incapacity for an invalid child

58. The National Insurance Board
of Trinidad and Tobago
Life Certificates
• A recipient of the Death Benefit must submit a Life
Certificateat intervalsidentified by theBoard.
• Where a Life Certificate is not received by the due
date, thepayment will besuspended.
• Upon receipt of the completed Life Certificate, the
payment will bereinstated.
• No lossof payment will occur.