Workmen's Compensation
Statutory Workmen's Compensation (WICA) insurance providing legally required coverage for all employees against work-related injuries and occupational diseases.
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"One of our workers suffered a back injury on site. TRS guided us through the entire WICA process and the worker received fair compensation without a single dispute."
Statutory WICA compliance
Statutory compensation for employees who suffer injury or death arising out of and in the course of employment, as prescribed under WICA.
Full medical treatment costs for injured workers including A&E, hospitalisation, specialist review, and approved physiotherapy.
Lump sum compensation calculated on a pro-rated scale for partial permanent disability, or the full WICA schedule amount for total permanent incapacity.
Covers workers who contract prescribed occupational diseases as a result of their work environment — including noise-induced hearing loss and respiratory conditions.
All employers of manual workers (regardless of salary) and non-manual workers earning S$2,600/month or less must maintain WICA insurance. Failure to do so is a criminal offence.
Injuries arising out of and in the course of employment — including accidents at the workplace, during work-related travel, and occupational diseases listed in WICA's Fifth Schedule.
For death: S$225,000 (with minimum S$76,000 for workers under 16 or over 65). For total permanent disability: S$289,000. Medical expenses: capped at S$45,000. These limits are periodically reviewed by MOM.
Disputes are referred to the Commissioner for Labour who can assess liability and quantum. TRS supports employers throughout any investigation and can recommend experienced labour law advisors if needed.
Yes. A single Workmen's Compensation policy from TRS can cover both local and foreign employees on your payroll, simplifying administration and compliance.