Why You Need the Defense Base Act Insurance

1. Why You Need the Defense Base Act Insurance In order to protect workers who weren’t military men, the Defense Base Act (DBA) was enacted in 1941, and compensation plans for federal government employees were extended to ports and offshore employees. The program was first expanded to cover people working on US military bases overseas. Then, it was further extended to several federal contractors working outside the United States. With the​​Defense Base Act Insurance​, federal contractors and subcontractors provide employee compensation insurance to employees who work outside the United States. The DBA insurance is important because it covers various loss and costs including: loss of income, medical evacuation, medical expenses, rehabilitation services, and funeral costs. 1. Loss of Wages In the case of an injury to an operator working in OCONUS, the dollar is determined, and the staff receives an amount to recover lost salary in the event of not working. However, if wage and welfare losses do not meet the prior funding needs of the injured employee, the DBA will pay a portion of benefits to the worker. The loss of wage allowance is tax exempt, it can't be combined with other benefits, and the employee is paid until he is released to return to work, except for the following: - Permanent disability If an injured worker turns out, unable to return to work, the employee is paid loss wage benefit for life. As the US Department of Labor raises the weekly wage cap to keep up with rising living costs, loss of wage and allowance also increase. - Death If an employee is killed at work, and as a result, a claim for compensation occurs, the death benefit is paid to the survivor spouse. 50% of the weekly wage is paid to the surviving spouse as a death benefit until he or she remarries. And a two-year lump sum. The death benefit increases if there is more than one underage child. Underage children can receive benefits until age 18, and 23 for full-course students. The total benefit amount paid to survivors does not exceed the weekly payroll limit set by the US Labor Department. The death benefit is also raised each year to adjust the cost of living. 2. Medical Expenses The DBA insurance pays medical costs resulting from claims until the claims terminate. Injured employees have the right to choose a doctor after returning to the United States, depending on the medical services in their place of residence. However, as a second

2. opinion, DBA Insurance has the right to choose the physician to perform an independent medical examination. Also, DBA Insurance operator frequently assigns nurse supervisors to coordinate the care of injured employees. This is common if it appears that the injury is severe or has a long recovery time. 3. Medical Evacuation In the case of a severe injury and the local medical institution are unable to obtain the necessary treatment, medical evacuation may be authorized to the injured worker to be transported to the country of nationality. DBA Insurance coordinates the actual medical evacuation and pays the fee associated with it. 4. Vocational Rehabilitation If the injury obliges the worker insured to stop the type of work to which he is accustomed (for example, the work is done abroad), the US Department of Labor coordinates rehabilitation services to train an injured employee a new profession. This applies only to US citizens living in the United States. 5. Repatriation of Remains The DBA insurer will repay for the return of the deceased employee’s remains to the country of residence. The DBA policy also provides an allowance for funeral expenses of $3,000. Like US employers who are required to provide compensation to employees; providing benefits to employees traveling abroad to seek work is an integral part of contract work for the US government. Employees and their families are assured that the benefits of DBA cover the risks of working in remote parts of the world. From the above, it is obvious that the defense base act positively influence the protection of government employees. Don’t wait longer to apply for dba insurance. You can find out about the​​DBA insurance cost​ from providers.