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「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 injuries and the relevant compensations
Most of the matters that relate to work-related injuries and their respective forms of compensation are governed by the Employees’ Compensation Ordinance (Cap. 282 of the Laws of Hong Kong) (“the ECO”).
Employers are liable to pay compensation for injuries that are sustained by their employees as a result of accidents that arise out of and in the course of employment.
If an employee sustains an injury in the following circumstances, then that employee is deemed to have been injured in an accident arising out of and in the course of employment, and the employer is liable to pay compensation:
- while travelling as a passenger to or from the employee’s place of work by means of transport that is operated or arranged by the employer (except as part of a public transport service);
- while travelling by a direct route between the employee’s residence and the place of work for the purpose of and in connection with employment by driving or operating a means of transport arranged or provided by the employer;
- when typhoon signal No. 8 or above or a red/black rainstorm warning is in force, while travelling from the employee’s place of residence to the place of work by a direct route within four hours before the commencement of working hours for that day, or from the place of work to the place of residence within four hours after the time of cessation of the working hours for that day; or
- while travelling, for the purpose of and in connection with the employee’s employment by any means of transport permitted by the employer, between Hong Kong and any place outside of Hong Kong or between any places outside of Hong Kong.
The ECO also applies where personal injury by accident arising out of and in the course of employment is caused to an employee outside of Hong Kong where the employee’s contract of employment is entered into in Hong Kong with an employer who is a person carrying on business in Hong Kong.
Employers are NOT liable to pay compensation in the following circumstances:
- the injury neither results in permanent incapacity nor incapacitates the employee from earning full wages at normal work;
- the injury is self-inflicted;
- the death or incapacity results from the injury (including all occupational diseases which are specified in the ECO) that the employee has falsely claimed to be free of to the employer; or
- the injury is caused by an accident that is directly attributable to the employee’s addiction to drugs or alcohol and does not result in death or serious and permanent incapacity.
In addition, in any proceedings under the ECO in which it is proved that the injury is attributable to the serious and wilful misconduct of the employee, or that an injury by accident arising out of and in the course of employment is deliberately aggravated by the employee, any compensation claimed will be disallowed.