Missing work insurance and the embassy
Missing work insurance and the embassy
A friend of mine was robbed a few days ago and broke his leg and hip afaik. He is a teacher, over 70 and an American citizen, but hasn't been back to the US in decades, has no family and no personal insurance.
He is in Calmette since a few days and the bill is already quite high and rising. When I went to see him today I was told that he has to leave the hospital soon (he can't walk and looks like the living death), but if he is unable to pay they would involve the embassy and immigration police.
I believe that since the beginning of the year employers are required to insure their employees, but his hasn't insured him as it seems.
My question is what will happen to him? Will the embassy get involved to get money from the employer? Will they put him, as fragile as he is, in immigration and deport him?
Any info is greatly appreciated.
He is in Calmette since a few days and the bill is already quite high and rising. When I went to see him today I was told that he has to leave the hospital soon (he can't walk and looks like the living death), but if he is unable to pay they would involve the embassy and immigration police.
I believe that since the beginning of the year employers are required to insure their employees, but his hasn't insured him as it seems.
My question is what will happen to him? Will the embassy get involved to get money from the employer? Will they put him, as fragile as he is, in immigration and deport him?
Any info is greatly appreciated.
- prahocalypse now
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Re: Missing work insurance and the embassy
It would help if you told us who his employer is.
- phuketrichard
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Re: Missing work insurance and the embassy
embassy wont get involved at all; not in their job description; He is going to need come up with the payment on his own ( here we go, another gofund me campaign)
at his age, if he didn't have his own insurance or backup savings ........
Something each and everyone of us living overseas have to keep in in mind
As an American over 65, he has Medicare, but its only good in the states.
If he is mobile, get him on a plane back to the states... Hopefully he still has someone or knows someone there that he can crash with.
at his age, if he didn't have his own insurance or backup savings ........
Something each and everyone of us living overseas have to keep in in mind
As an American over 65, he has Medicare, but its only good in the states.
If he is mobile, get him on a plane back to the states... Hopefully he still has someone or knows someone there that he can crash with.
In a nation run by swine, all pigs are upward-mobile and the rest of us are fucked until we can put our acts together: not necessarily to win, but mainly to keep from losing completely. HST
Re: Missing work insurance and the embassy
He is employed by one of the bigger international schools, led by a CPP-parlamentarian. Can't tell the name.
I thought it would be easier to get money from the school than from him. He doesn't have much. And yes, he should've gotten himself an insurance.
He can't really walk and looks very weak.
I thought it would be easier to get money from the school than from him. He doesn't have much. And yes, he should've gotten himself an insurance.
He can't really walk and looks very weak.
- Duncan
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Re: Missing work insurance and the embassy
I find it hard to believe that someone can work for the last 50 years of ones life and not have money/assets/friends or family to show after all that hard work.
Sorry, I just re-read that post and missed the bit about him being a teacher.
Sorry, I just re-read that post and missed the bit about him being a teacher.
Cambodia,,,, Don't fall in love with her.
Like the spoilt child she is, she will not be happy till she destroys herself from within and breaks your heart.
Like the spoilt child she is, she will not be happy till she destroys herself from within and breaks your heart.
Re: Missing work insurance and the embassy
The NSSF only covers injuries caused whilst at work, or commuting to/from work. The school won't cover his bills. At his age, living in Cambodia, he should have had his own personal insurance, sorry to hear of his situation, but no sympathy. I hope he's got family and friends that can help ...as previously mentioned, I fear another fucking go-fund me because I was too irresponsible campaign.
Law on Social Security (Royal Kram NS/RKM/0902/018) (the “Social Security Law”)_020925
Chapter 3 Occupational Risk
Article 12-
An accident is considered to be employment injury, the accident inflicted on the body of the worker, regardless of the cause, if it happens to worker working or during the working hours, whether or not the worker was fault, it is the accident inflicted on the body of the worker or an apprentice with or without wage, who is working in whatever capacity or whatever place for an employer or manager of an enterprise.
Equally, accidents happening to the worker during the direct commute from his residence to the work place and home are also considered to be employment injury as long as the as the trip was not interrupted nor detour made for a personal or non-work-related reason.
Article 14-
1- A victim caused by employment injury or commuting accident or occupational disease shall promptly inform to employer’s representative about the accident inflicted on his/her except in the event of force majeure or in complete accessibility or has other thoughtful reasons. The beneficiaries, if there is a fatal accident, shall carry out such obligation.
2- Employer shall notify to NSSF within the period of less than forty-eight hours about employment injury or commuting accident or occupational diseases inflicted on workers working in there enterprise. This notification shall be made through the modality, which determined by Joint Prakas of the Ministry in charge of Social Security Schemes and Ministry of Health as proposed by the Governing Body of NSSF.
3- The method of investigation and duty of the victim of employment injury or commuting accident or occupational diseases shall be determined by joint Prakas of the Ministry in charge of Social Security Schemes and Ministry of Health.
Article 15-
Benefit for occupational risk are:
a- Medical care services for occupational risk caused by employment injury or commuting accident or occupational diseases whether the accident interrupt the work or not.
b- Provide daily allowance for employment injury or commuting accident or occupational diseases causing temporary disability.
c- Provide disabled pension or allowance for employment injury or commuting accident or occupational diseases causing permanent disability.
d- Provide funeral benefits and survivors’ pension.
Article 16-
Medical care services are follows:
a- Medical treatment, surgery, and dentistry as well as X-ray photograph, laboratory examinations and other analysis.
b- Supplying pharmaceutical and incidental products for treatment.
c- Providing allowance for victim caring in hospital or other places.
d- Supply, maintenance and repair of prostheses limbs or orthopedic necessities that requires by a doctor designated or recognized by the NSSF or any kind of improving work rehabilitation or vocational retraining.
e- Work rehabilitation, vocational retraining, job reclassifying base on the conditions fixed by Prakas of the Minister in charge of Social Security Schemes.
f- Transport of the victim from accident site to the treatment places or his/her residence.
Re: Missing work insurance and the embassy
Go Fund Me is how medical bills of old destitute American expats are paid in 2017-2018.PSD-Kiwi wrote: ↑Fri Sep 07, 2018 1:50 pm The NSSF only covers injuries caused whilst at work, or commuting to/from work. The school won't cover his bills. At his age, living in Cambodia, he should have had his own personal insurance, sorry to hear of his situation, but no sympathy. I hope he's got family and friends that can help ...as previously mentioned, I fear another fucking go-fund me because I was too irresponsible campaign.
Prior to that, the funds would have been raised from a spaghetti dinner at Lone Star.
On a serious note, broken hips (and legs) can be really serious for 70 year old people, and he needs to get out of Calmette and to Bangkok or the USA as soon as possible. I think the embassy will help with loaning money to buy a regular plane ticket to get an American home (that's how No Joke Howard got home). But I don't think they arrange medical evacuation flights to the USA for Americans who can't pay for those.
There's nothing in the OP's post that says the injured guy doesn't have any money. Perhaps that's assumed.
Re: Missing work insurance and the embassy
"Equally, accidents happening to the worker during the direct commute from his residence to the work place and home are also considered to be employment injury as long as the as the trip was not interrupted nor detour made for a personal or non-work-related reason."
That's the decisive part I guess. It was on Sunday, so no coverage...
He has a bit of money saved up, but it's less than the bill. As he obviously can't work or pay his room he seems to be in deep shit. I absolutely agree that he was irresponsible not to have insurance himself.
Thanks for the replies.
That's the decisive part I guess. It was on Sunday, so no coverage...
He has a bit of money saved up, but it's less than the bill. As he obviously can't work or pay his room he seems to be in deep shit. I absolutely agree that he was irresponsible not to have insurance himself.
Thanks for the replies.
- that genius
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Re: Missing work insurance and the embassy
He may have been irresponsible, but he also just may not have had the ready cash to buy insurance. Last time I checked poverty was not an offence worthy of derision.
71, teaching for $12/hour, with so many holidays and no chance of Labour Department enforcing the Labour Law means he may have been unpaid for breaks and national holidays, footed the bill for his WP and visa etc.
We should not even assume he was employed full-time or on a salary.
What's the cheapest decent medical cover? Around $500 pa if you work for a firm or $800-$1000 if you apply personally.
At 71 what would it cost him? Who would insure him?
Not playing devil's advocate, just trying to be fair.
71, teaching for $12/hour, with so many holidays and no chance of Labour Department enforcing the Labour Law means he may have been unpaid for breaks and national holidays, footed the bill for his WP and visa etc.
We should not even assume he was employed full-time or on a salary.
What's the cheapest decent medical cover? Around $500 pa if you work for a firm or $800-$1000 if you apply personally.
At 71 what would it cost him? Who would insure him?
Not playing devil's advocate, just trying to be fair.
- Duncan
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Re: Missing work insurance and the embassy
At 71 years of age, it will be almost impossible to get health cover insurance, or even a loan from a bank to cover his hospital bill. I know it's a bit late in life for him to do anything now, but what the hell was he thinking when he was 31,,, 41,,,, and 51 yeas old.
Cambodia,,,, Don't fall in love with her.
Like the spoilt child she is, she will not be happy till she destroys herself from within and breaks your heart.
Like the spoilt child she is, she will not be happy till she destroys herself from within and breaks your heart.
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