NSITF administers Nigeria's Employee Compensation Scheme (ECS), which pays compensation to workers injured, disabled, or killed in work-related accidents. Employers must register and pay monthly contributions of 1% of payroll.
The Nigeria Social Insurance Trust Fund is established under the NSITF Act and administers the Employee Compensation Scheme (ECS) under the Employee Compensation Act, 2010. The ECS provides no-fault compensation to employees (or their dependants) for injuries, diseases, or death arising from or in the course of employment. Key points: - **Employer contribution**: 1% of total monthly payroll, remitted to NSITF. - **No-fault**: An injured worker does not need to prove employer negligence — only that the injury arose in the course of employment. - **Benefits**: Medical treatment costs, temporary total disability payments (90% of earnings), permanent disability lump sum, death/survivors' benefits. - **Coverage**: All private sector and some public sector employees. To claim, an employee must notify their employer within 8 days of injury, get medical treatment at an accredited facility, and complete NSITF claim forms. Claims are processed by the NSITF regional office. An employer who fails to register or remit contributions faces prosecution.
A construction worker falls from scaffolding and fractures his leg. His employer is registered with NSITF. He files a claim through NSITF and receives payment for medical bills and temporary disability allowance while he recovers.
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