Service Injury Compensation for RSD
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Dear EAC,
Dear all who can help.
I just attended my Permanent Disability Board.
I am PES C2L2 for RSD
My condition is Reflex Sympathetic Dystrophy on my right foot.
doctor told me the best they could give me was 1% disability compensation.
but seriously? 1%?
my underneath of my feet hurts when i walk.
i have to be on medication for the pain to reduce or go away.
constant pain when walking and i was given only 1% .
reason being doctor said there is no medical science to prove this case, something like that. so according to guidelines can only give that much.
i factured my foot, after recovering from the fractures, i have been feeling pain for 2 years underneath my feet.
so, is 1% really enough as compensation?
i didnt argue because i knew it'd be useless to do so.
so instead i just agreed.
he told me HR will contact me.
my question is:
1) can i still fight my case? 1% i feel is too little for a constant hurting feet
2) how to fight for my case? i have ORD afew months back.
3) if i have no choice but to accept the 1%, can i proceed to claim from Aviva ? since i was covered under Aviva also during the time of injury. and how to go about doing this.
Thanks all. please help. i am confused whether to accept the 1% which is like few k? or fight again.
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Compensations for Service Injuries
Service injuries are injuries sustained while serving NS.
This also includes injuries sustained when reporting for duty or going home after duty.
You will get free medical treatment for such injuries even after ORD for lifetime.
Remember to first report your injury to your unit MO. Also remember to collect and keep all documents relating to your injury and your treatment. These will help when you submit the injury report and seek claims.Source: http://iprep.ns.sg
(A) Service Injuries
If you sustained an injury during your NS training, it may be considered as attributable to service only when service is the cause of injury. If you sustained an injury during ICT, you are required to report immediately to your unit’s Medical Officer and unit S1. This is so that your unit can arrange to attend to your injury, and document your injury sustained in your medical docket.
Before MINDEF determines that an injury is attributable to service, you are responsible for bearing all medical expenses. Treatment for your injury must be sought at government or restructured hospitals at your eligible ward and referred to by a government or SAF Medical Officer.
In the case of permanent disablement due to service injury, a medical board will be convened. Eligibility for disability compensation will be based on the degree of residual permanent disability as endorsed by the SAF Medical Board.
If your service injury requires continuous medical or hospitalisation leave beyond your ICT period, you are eligible for a stepped-down compensation as a form of ex-gratia payment. Compensation will be based on your civilian pay or an equivalent regular serviceman’s pay (whichever is higher) if you do not receive any income from your employers. This ex-gratia payment is compensation for your loss of income during this period. Payment will cease when you are no longer on medical/hospitalisation leave or when disability compensation is paid, whichever is earlier.How does an injured serviceman make a claim for the medical costs incurred for service injury?
The PMC (Personnel Management Centre) will issue all serviceman with the SI (Service Injury) Card if their injuries have been approved as attributable to service by the Pensions / Awards Officer. The serviceman must produce this card to be eligible for fully-subsidised medical treatment at the government / restructured hospitals.
If the SI Card is not produced when seeking treatment, the serviceman will have to pay for all the medical cost first and seek reimbursement via the respective PMCs with the following documents:
a. the original medical bills and payment receipts
b. a memorandum from the attending doctor to prove that the treatment received was for his service injury.
The serviceman is required to notify his PMC immediately when he loses his SI Card. There will be an administrative charge of $15 for each replacement of lost or defaced SI Card. He will need to make the payment via MINDEF Cashier / Internet and submit the receipt to the unit PMC before he will be issued a new SI Card.
While waiting for the SI Card to be issued or replaced, the serviceman may approach the respective PMCs for the issuance of the SI Memo (a temporary identification document) for the fully-subsidised medical treatment.Source:www.mindef.gov.sg/imindef/press_room/faqs.html
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Please submit the hospital specialist memo to the camp doctor to assess and process.
As usual, please refer to this guideline:
http://sgforums.com/forums/1390/topics/392446 -
dear EAC,
As i mentioned, i have already attended the medical board for permanent disability at MMI and was given a 1% disability.
my question is:
1) can i still fight my case? 1% i feel is too little for a constant hurting feet
2) how to fight for my case? i have ORD afew months back.
3) if i have no choice but to accept the 1%, can i proceed to claim from Aviva ? since i was covered under Aviva also during the time of injury. and how to go about doing this.
Thank you
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NSF/ NSman Group Life Insurance
The Group Life Insurance in the Uniformed Services is specially arranged and it is offered at a discount. NSFs are automatically covered for a sum insured of $100,000 unless they choose to opt out (for SAF servicemen only). NSFs will receive a $20 increase in their monthly allowance with effect from 1 Jan 2009 to help pay for their insurance coverage.
> More Details (iMINDEF)With effect from 15 Oct 2012, the maximum insurance coverage under the SAF Group Term Life Insurance has been increased to S$1 million.
> More Details (AVIVA Ltd)SAF Insurance
Aviva appreciates the work SAF personnel do for our country, and in return we have you covered. SAF Group Term Life (“GTL”) Insurance is a product designed especially for you as a SAF or MINDEF personnel (including NSmen) and your spouse and children too. The SAF GTL insurance plan helps expand and extend existing SAF benefits with additional coverage options. Enjoy a range of comprehensive and affordable coverage up to age 65, hassle-free, with SAF GTL insurance plan.
Please read our FAQs to find out more about SAF insurance.SAF Group Life Insurance
Specially created in recognition of our National Servicemen, this is a plan that gives you high protection at an affordable cost. For as little as S$4.21* per day, you will be protected for a sum of S$1 million.
What's more, we offer you additional riders at less than S$1 a day to supplement your protection cover. These riders provide you with additional financial assistance to help you tide over the difficulties while you seek medical treatment for any of the common major illness or an accident that causes total and permanent disability*.
* Terms & conditions apply.The Aviva SAF Insurance Online is a one-stop gateway for our insured members to view and access their insurance details anytime worldwide. It provides services and information to our insured members with a suite of Aviva SAF insurance related online services.
Just log in to Aviva SAF Insurance Online secured web portal from the Aviva Singapore website and enjoy the following benefits:
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Thank you for exploring Aviva SAF Insurance Online and we wish you a pleasant experience.
SAFOnline
Login to Aviva SAF Insurance Online portal to view your policy details or upgrade your coverage. -
The Ministry of Defence (MINDEF) is enhancing its insurance coverage scheme aimed at encouraging its employees and Singapore Armed Forces (SAF) active servicemen to secure a minimum level of insurance protection for themselves. This initiative, which takes effect from 1 January 2009, will be extended to all MINDEF employees and SAF regulars who are 45 years old and below, and full-time National Servicemen (NSFs). The scheme will provide insurance protection against personal accidents in daily life.
This opt-out insurance coverage plan rides on the existing SAF Group Term Life insurance scheme, which has been available to SAF personnel since 1983. For a monthly premium of $12.80, MINDEF employees and SAF personnel who are eligible will be insured for a sum of $100,000, unless they opt out of the scheme. To help full-time National Servicemen (NSFs) pay for the monthly premium, all NSFs will receive a $20 increase in their monthly allowance from 1 January 2009 onwards.With effect from 1 January 2009, all MINDEF employees and Singapore Armed Forces (SAF) active servicemen will be automatically insured for $100,000. This initiative, which rides on the existing SAF Group Term Life (GTL) Insurance scheme, is aimed at encouraging them to have a minimum level of insurance protection for themselves.
For a monthly premium of $12.80, all eligible MINDEF employees, regular servicemen who are 45 years old and below, and full-time National Servicemen (NSFs), who do not opt out of the scheme will be insured for the sum of $100,000. The insurance coverage will provide protection against personal accidents in daily life.
SAF GTL Insurance Scheme
The SAF GTL insurance scheme is a voluntary life and personal accident insurance scheme that has been available to SAF active servicemen and Operationally Ready National Servicemen (NSmen) since 1983.
Features of the SAF GTL include:
â—� Low cost and affordability. MINDEF/SAF is able to leverage on its large population base to negotiate the best terms and rates for its employees and personnel.
â—� Portability. MINDEF and SAF personnel can continue to enjoy the coverage even after they leave service, as long as they pay their premiums. Insurance coverage will continue up to age 65 based on the prevailing premium. From age 66-70, the premium will be based on a different prevailing rate every year.
Increase in NSF allowance
With the introduction of the SAF GTL opt-out $100,000 insurance coverage, MINDEF will increase the monthly allowance of NSFs by $20 to help them pay for the monthly premium. The increase in NSF allowance takes effect from 1 January 2009. -
Contact Us
AVIVA Customer Service Centre
4 Shenton Way
#01-01 SGX Centre 2
Singapore 068807
(Our Customer Service Centre is conveniently located between Lau Pa Sat and OUE Downtown 2)
Mainline: +65 6827 7988
If you would like to visit your Aviva Advisor,
please call 6827 9933 to make an appointment.
Our Operating Hours:
Mondays - Fridays 8.45am - 5.30pm
Closed on Saturdays, Sundays and Public Holidays
Public Transport Nearest To Our Office:
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SBS Buses: 10, 70, 97, 100, 107, 130, 131, 162, 186, 196
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Parking is available at SGX Centre 2.
Carpark Charges:
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5.00pm - 11.00pm $2.50 per entry -
FYI, PES is http://en.wikipedia.org/wiki/PULHHEEMS.
1) Go to Public Hospital / Private Specialist.Note: You will be classified as a subsidised patient if your first visit is via:
- Referral letter from a Government Restructured Hospital under subsidised status, A&E, Polyclinic or SAF, without specifying a specialist by name.
- Discharge from inpatient class B2 or C without
specifying a specialist by
name.
2) Consult specialist, and do whatever medical check ups required. E.g. physical exam, blood test, x-ray, CT scan, MRI scan.3) Specialist gave a finalised clinical diagnosis.
4) Get the specialist to write you a memo which is to be given to SAF MO. Those who can and are willing to spend some more money can get him/her to write you a specialist report, which is more precise and detailed.
Note: For not to waste time and money, please be more direct yet humble. Request the specialist to write about reviewing of PES and medical board / anything specific such as any excuses to your conditions.5) Book an medical review appointment using the eHealth module @ www.ns.sg (for NSman Reservists).
Just go down to your camp medical centre (for NSFs).
Call CMPB @ 6373 1340 to request another PES review (for Pre-Enlistees after CMPB Checkup).6) Make a trip down to the respective unit camp medical centre. Give the MO whatever supporting documents you have in hand. E.g. Specialist memo/report (most usually the case and highly recommended), x-ray films, CT/MRI scan report, blood investigation lab report... etc.
7) MO will decide whether you are deemed eligible for KIV downgrade, according to the criterias set in the "PES Bible" directive. E.g. Diagnosis, Extent of Diagnosis, Degree of Diagnosis/Injury/Illness/Disease...etc.
8) If deemed so, you will sign an acknowledgement notice of Medical Board, whereby your case statement is prepared for review discussion at the monthly medical board meet (usually at the Formation/Division HQ) with another NSF CPT MO and the Chairman (SAF Regular Medical Doctor of MAJOR rank or above). Your Medical Board result will be post mailed to you by your respective NSHRC (Formation NS Hub).
Time and time again, the questions for Medical Review (Downgrade) is repetitive. Therefore, this serves as a general SOP for Medical Board.
Extract from www.mindef.gov.sg/nsmen:
NSmen must update their NS HRCs if they should develop any new medical condition or if their existing medical condition has worsened which might affect their ability to perform their duties during ICT. Arrangements will then be made for them to attend a medical review at the SAF medical centre to assess their fitness for NS.
The NSmen MUST bring along all investigation results and memorandums from his external physician/specialist during the medical review. Depending on the outcome of the medical review, the NSman may be given a medical certificate to defer him from ICT, be scheduled for a medical board to downgrade him if his medical condition is significant, or referred to a restructured hospital for further investigation. In the event that the medical officer determines that the NSman’s medical condition will not affect his ability to participate in the ICT, he will allow the NSman to attend the ICT. -
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Anyone has other opinions? T.T
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Please call the 24/7 NS hotline at 1800-3676767 to speak to a customer service officer.