Listen to Audio of this topic (Cantonese only)
「快快樂樂上班去，平平安安回家來。」這句口號對於一些從事高危工作的人來說，就特別重要了。這一節「長者法網智多聲」，就跟大家說說，如果在工作期間受傷，有甚麼法例可以保障打工仔。
因工受傷和工傷賠償，大部分都由《僱員補償條例》監管。如果僱員因為工作遇上意外而受傷、或在執行工作期間遭遇意外而導致受傷，僱主都有責任作出補償。
僱員在某些特別情況之下，遇到意外受傷，僱主也要負上賠償責任。好像是僱員乘搭公司車輛上班期間受傷、開公司車輛由家裡上班或由上班地點回家期間受傷、又或是在八至十號風球、紅色或黑色暴雨警告生效期間，上下班時遇到意外等，僱主都可能要賠償。到外地公幹，往返香港途中出了甚麼事，僱主也可能要賠。但是，如果能夠證明僱員是因為自己嚴重和故意行為失當而受傷，又或是刻意令自己傷得更嚴重，就算申請工傷賠償，也不一定獲得賠償。
也有一些情況，僱主可能不用賠償。好像是僱員受的傷，不會令他永久喪失工作能力，也不阻礙他正常工作和賺取全數人工，那麼僱主就不一定要補償。如果僱員刻意弄傷自己、或隱瞞自己曾經受傷，往後因為這個傷害而喪失工作能力甚至死亡，又或是僱員因染上毒癮或酗酒而不能工作，這些情況下，僱主也不一定需要補償。
相信大家都有聽過職業病，《僱員補償條例》就涵蓋了46種職業病。如果打工仔因為工作，患上條例列明的這些職業病，僱主就有責任補償。而僱員一旦因為特定職業病而喪失工作能力，就等同因工受傷，可以得到賠償。
萬一很不幸，因為工作受傷而導致傷殘甚至死亡，法例已經訂明計算賠償的方法，詳情可以參考長者社區法網文字版，或向勞工處的僱員補償科查詢。除了賠償，僱主還可能要負擔殮葬費和醫療費等其他開支。
不要以為受了傷，只要你不說、我不說，就不用賠償了。因為法例規定，如果發生工業意外導致傷亡，無論是否引致賠償責任，僱主都要在指定限期內向勞工處報告，否則就是犯法，可以被罰款。員工如果發現僱主沒有呈報事件，可聯絡勞工處的僱員補償科。
另外，無論員工是全職還是兼職，老闆都要根據法例規定，為員工購買工傷保險，如果沒有這樣做，可以被罰款和監禁。還有，老闆也不可以扣減員工的薪金，用作支付工傷補償保險費，否則也屬犯法，可以被罰款及監禁。有關工傷就說到這裡，希望大家工作都安安全全啦。拜拜。
PrintWork-related accidents causing disability
In general, the nature of the disability is classified into (1) permanent incapacity or (2) temporary incapacity.
Compensation in cases of permanent total incapacity is as follows (section 7 of the Employees’ Compensation Ordinance):
For work injuries caused by accidents happening on or after 13 April 2023
|
Age of injured employee
|
Amount of compensation |
|
Under 40 |
96 months’ earnings* or $552,190, whichever is higher |
|
40 to under 56 |
72 months’ earnings* or $552,190, whichever is higher |
|
56 or above |
48 months’ earnings* or $552,190, whichever is higher |
* Monthly earnings are subject to a maximum of $36,550 for calculating compensation for permanent incapacity.
For work injuries caused by accidents happening between 15 April 2021 and 12 April 2023
|
Age of injured employee
|
Amount of compensation |
|
Under 40 |
96 months’ earnings** or $537,780, whichever is higher |
|
40 to under 56 |
72 months’ earnings** or $537,780, whichever is higher |
|
56 or above |
48 months’ earnings** or $537,780, whichever is higher |
** Monthly earnings are subject to a maximum of $35,600 for calculating compensation for permanent incapacity.
For permanent partial incapacity, the amount of compensation is as follows (section 9 of the Employees’ Compensation Ordinance):
(Amount of compensation due to permanent total incapacity) X (Percentage of loss of earning capacity)***
*** The percentage of loss of earning capacity is assessed by the Employees’ Compensation Assessment Board according to the ECO.
An employee is entitled to receive periodical payments during the period of temporary incapacity up to 24 months. When the employee’s temporary incapacity lasts more than 24 months or a further period that the Court may allow (that further period must not exceed 12 months), the employee will no longer be entitled to periodical payments, and will be regarded as having suffered permanent (total or partial) incapacity with compensation assessed accordingly.
The periodical payments should be calculated as follows (section 10 of the Employees’ Compensation Ordinance):
(Monthly earnings at the time of the accident – monthly earnings after the accident) X 4/5
For more details on the calculation of all relevant compensations, please contact the Employees’ Compensation Division of the Labour Department (telephone hotline: 27171771; e-mail: enquiry@labour.gov.hk).
**Besides the above-mentioned compensations, employers may also be liable to pay medical expense, prostheses and surgical appliances for the injured employee.