What is WICA?
The Work Injury Compensation Act (WICA) is a law in Singapore that helps employees claim compensation if they get injured or fall sick due to their work.
It provides a simple and faster alternative to filing a lawsuit, so workers can receive compensation without going through lengthy legal processes.
WICA is regulated by the Ministry of Manpower (MOM).
Who is Covered Under WICA?
WICA covers most employees, including:
Local and foreign workers
Full-time and part-time employees
Contract workers
Mandatory Coverage:
Employers must insure:
All manual workers (regardless of salary)
Non-manual workers earning $2,600 or less per month
👉 Important Note:
All manual labor workers are fully covered regardless of salary.
For non-manual workers, mandatory coverage applies only if they earn $2,600 or less per month (those earning above this may not be mandatorily covered).
What Does WICA Cover?
WICA provides compensation for the following:
1. Medical Expenses
Covers treatment costs such as:
Doctor consultations
Hospitalization
Surgeries
Medication
👉 Subject to limits set by MOM.
2. Lost Income (Medical Leave Wages)
If an employee cannot work due to injury:
Employer must pay medical leave wages
Based on number of days certified by a doctor
3. Permanent Incapacity Compensation
If the injury leads to permanent disability:
Compensation is calculated based on:
Severity of injury
Age
Monthly earnings
4. Death Compensation
If a worker dies due to a work-related accident:
Compensation is paid to dependents (family members)
Types of Injuries Covered
WICA applies to:
Workplace accidents (e.g., machinery, falls)
Occupational diseases (e.g., chemical exposure)
Injuries during work-related activities
👉 Includes accidents that happen:
At the workplace
During work duties
While traveling for work (in some cases)
What is NOT Covered?
WICA does NOT cover injuries caused by:
Self-inflicted harm
Misconduct or negligence
Being under the influence of drugs or alcohol
Benefits of WICA
✔ No need to hire a lawyer
✔ Faster claim process
✔ Lower cost compared to lawsuits
✔ Clear compensation framework
When Should You File a WICA Claim?
You should file a claim if:
The injury requires medical leave or hospitalization
The injury results in permanent disability
The accident leads to death
Conclusion
The Work Injury Compensation Act (WICA) plays a crucial role in protecting employees by ensuring they receive fair compensation for work-related injuries or illnesses. It simplifies the claims process and provides financial security to workers and their families.