Service Injury Compensation

[treefted]

Jul 2016 - During BMT, SOC fell down and 100% tear of ACL, partial tear MCL and Meniscus. Applied for Service Injury (SI)
Sep 2016 - ACL reconstruction surgery. Surgery covered 100% by SAF
Dec 2016 - Received SI Card
2017-2018 - down PES and all
May 2018 - I ORD
Feb 2019 - I went to MMI for a Compensation review.

So basically based on the above information and timeline, any people who had the same conditions as me knows:

1. How long will compensation take
2. How much will compensation be, considering I had a fully torn ACL (although reconstructed)

PS: When I went for the compensation review at MMI, the MO there told me that an ACL is a permanent disability.

 

[reddevil0728]

Jul 2016 - During BMT, SOC fell down and 100% tear of ACL, partial tear MCL and Meniscus. Applied for Service Injury (SI)
Sep 2016 - ACL reconstruction surgery. Surgery covered 100% by SAF
Dec 2016 - Received SI Card
2017-2018 - down PES and all
May 2018 - I ORD
Feb 2019 - I went to MMI for a Compensation review.

So basically based on the above information and timeline, any people who had the same conditions as me knows:

1. How long will compensation take
2. How much will compensation be, considering I had a fully torn ACL (although reconstructed)

PS: When I went for the compensation review at MMI, the MO there told me that an ACL is a permanent disability.

1) everybody's mileage may vary.
2) everybody's mileage may vary.

 

[cherry6]

Jul 2016 - During BMT, SOC fell down and 100% tear of ACL, partial tear MCL and Meniscus. Applied for Service Injury (SI)
Sep 2016 - ACL reconstruction surgery. Surgery covered 100% by SAF
Dec 2016 - Received SI Card
2017-2018 - down PES and all
May 2018 - I ORD
Feb 2019 - I went to MMI for a Compensation review.

So basically based on the above information and timeline, any people who had the same conditions as me knows:

1. How long will compensation take
2. How much will compensation be, considering I had a fully torn ACL (although reconstructed)

PS: When I went for the compensation review at MMI, the MO there told me that an ACL is a permanent disability.

Think it goes something like the following/ equavalent:

http://www.teamsterscare.com/msts-members-3/benefits/accidental-death-and-dismemberment/

Think u better discuss with your orthopedic surgeon what your future will be like.

Don't just take MMI MO word and accept that u are handicapped for life unless he himself has the same condition or treats patients with your condition on regular basis.

I think the compensation is quite peanuts. Better u take care of yourself and receive the best medical advice so as to achieve the best outcome for your medical condition.

 

[reddevil0728]

Think it goes something like the following/ equavalent:

http://www.teamsterscare.com/msts-members-3/benefits/accidental-death-and-dismemberment/

seems random

 

[cherry6]

seems random

Just a rough example about how compensation is arrived at based upon the severity of disability sustained in National Service.

Of course TS condition isn't so serious because he didn't lose any limb, just the ligament torn only.

Probably is long term earlier disability. Many soccer professional soccer players, continue professional soccer after surgery. But maybe have to retire a bit earlier than if they had never suffered the injury to begin with.

 

[reddevil0728]

Just a rough example about how compensation is arrived at based upon the severity of disability sustained in National Service.

Of course TS condition isn't so serious because he didn't lose any limb, just the ligament torn only.

Probably is long term earlier disability. Many soccer professional soccer players, continue professional soccer after surgery. But maybe have to retire a bit earlier than if they had never suffered the injury to begin with.

that schedule was provided by you from someone within MINDEF?

 

[treefted]

Think it goes something like the following/ equavalent:


Think u better discuss with your orthopedic surgeon what your future will be like.

Don't just take MMI MO word and accept that u are handicapped for life unless he himself has the same condition or treats patients with your condition on regular basis.

I think the compensation is quite peanuts. Better u take care of yourself and receive the best medical advice so as to achieve the best outcome for your medical condition.

Actually its quite a coincidence that the MO I saw also suffered the same injury as me, ACL torn and reconstructed - suffered also as a result of SOC. That explains why he is 2 bar I was wondering why. But he probably isn’t at the stage I am (compensation stage) cuz he should still be in service and compensation stage is when the injury stabilises (for me 2 years).

So he confirm haven’t claim the amount so what he said wasn’t based on his experience per se But if his knowledge is right on point, then it should be perm disability if he bothered to read the medical book carefully I Guess.

What’s peanuts to u may not be for me. But I read on the calculations for compensation. Basically there is a fixed payout of maximum in ur table called the principal sum which is 150k. And they calculate how much of your injury u should be compensated for. So if loss of limb is 100% of 150k. I was actually interested to know if acl is how many percent. Some guys say not more than 10%. I mean if 1% already $1500 leh

 

[cherry6]

Actually its quite a coincidence that the MO I saw also suffered the same injury as me, ACL torn and reconstructed - suffered also as a result of SOC. That explains why he is 2 bar I was wondering why. But he probably isn’t at the stage I am (compensation stage) cuz he should still be in service and compensation stage is when the injury stabilises (for me 2 years).

So he confirm haven’t claim the amount so what he said wasn’t based on his experience per se But if his knowledge is right on point, then it should be perm disability if he bothered to read the medical book carefully I Guess.

What’s peanuts to u may not be for me. But I read on the calculations for compensation. Basically there is a fixed payout of maximum in ur table called the principal sum which is 150k. And they calculate how much of your injury u should be compensated for. So if loss of limb is 100% of 150k. I was actually interested to know if acl is how many percent. Some guys say not more than 10%. I mean if 1% already $1500 leh

True it's still $$$. I dunno what the book details, only have a very gross example to show you from brief internet search.

I don't think the compensation amount is much because u are still young and as mentioned, on functional test, very hard to determine much disability since as mentioned, some professional soccer players also have ACL tears post reconstruction.

Yes, $15,000 can go some way to pay university tuition fees. However, I think good medical advice can be invaluable because suppose u get fat in future with additional say 20-30 extra kg depending on your height, can accelerate damage to an already vulnerable knee... Pain and sufferings at that point will far exceed $15k.

Thus, I was just helping u think long term. At least u have some numbers at hand so u are not excessively optimistic, like 6 figure Bonanza etc.

Hopefully u take care of yourself since that happened to one leg, so I would recommend that u take good care of the other, cos $15k probably not enough to pay for same treatment if it happened outside SAF insurance cover.

Wish u all the best in your recovery.

 

[Lurkerdoc]

Actually its quite a coincidence that the MO I saw also suffered the same injury as me, ACL torn and reconstructed - suffered also as a result of SOC. That explains why he is 2 bar I was wondering why. But he probably isn’t at the stage I am (compensation stage) cuz he should still be in service and compensation stage is when the injury stabilises (for me 2 years).

So he confirm haven’t claim the amount so what he said wasn’t based on his experience per se But if his knowledge is right on point, then it should be perm disability if he bothered to read the medical book carefully I Guess.

What’s peanuts to u may not be for me. But I read on the calculations for compensation. Basically there is a fixed payout of maximum in ur table called the principal sum which is 150k. And they calculate how much of your injury u should be compensated for. So if loss of limb is 100% of 150k. I was actually interested to know if acl is how many percent. Some guys say not more than 10%. I mean if 1% already $1500 leh

A MOM document called the GATIOD is used to determine %PD. It is open access, anyone can Google it. We use this for workmen's compensation as well. A single limb does not exceed 25% maximum.

ACL injury is between 5-12%. It depends on the residual laxity of the joint _after_ completion of therapy and stabilisation of injury, not so much the severity of the actual tear per se. There are also other nuances that are difficult to explain over a forum.

 

[razor22]

A MOM document called the GATIOD is used to determine %PD. It is open access, anyone can Google it. We use this for workmen's compensation as well. A single limb does not exceed 25% maximum.

ACL injury is between 5-12%. It depends on the residual laxity of the joint _after_ completion of therapy and stabilisation of injury, not so much the severity of the actual tear per se. There are also other nuances that are difficult to explain over a forum.

Just wanted to add on,

Now 100% disability results in a $262,000 payout, increased 2 years ago. Also, if your injury was a result of Ops training (live firing, etc. not sure if SOC counts), your quantum sum will double.

So if it's 10%, it will be 0.1 x 2 x $262,000 = $52,400

 

[reddevil0728]

Just wanted to add on,

Now 100% disability results in a $262,000 payout, increased 2 years ago. Also, if your injury was a result of Ops training (live firing, etc. not sure if SOC counts), your quantum sum will double.

So if it's 10%, it will be 0.1 x 2 x $262,000 = $52,400

please provide source. thank you.

 

[Kyoji83]

From pre-enlistee to MR Personnel, I still do not have the information for Service Injury Compensation. From my understanding, SAF do not follow workmen compensation and we not use this as a guide cause the higher the expectation, the higher your disappointment.

 

[razor22]

From pre-enlistee to MR Personnel, I still do not have the information for Service Injury Compensation. From my understanding, SAF do not follow workmen compensation and we not use this as a guide cause the higher the expectation, the higher your disappointment.

Can understand the lack of transparency, only learnt about this recently as well after having my case reviewed.

Sources:

https://www.mom.gov.sg/workplace-safety-and-health/work-injury-compensation/who-is-covered

https://www.mom.gov.sg/workplace-safety-and-health/work-injury-compensation/changes-to-wica-in-2016

Hope this helps

MINDEF & HRSSC uses this (WICA framework) for compensation claims via MMI MOs. Note in the first link it says that SAF people aren't covered by law, but HRSSC still follows this for SI claim.

Source/proof for the above statement: https://www.mindef.gov.sg/web/porta...ases/article-detail/2018/november/19nov18_pq4

Mr Terence Ho Wee San:

To ask the Minister for Defence (a) in view of the recent training accidents, whether the SAF deems the current assistance and compensation as sufficient to the affected family; and (b) how will the army-wide safety timeout on training ensure the prevention of such accidents from happening again.

Dr Ng Eng Hen:

MINDEF's compensation framework tracks the amounts prescribed by the Work Injury Compensation Act (WICA) but would be generally higher in recognition of the risks borne by our servicemen during military training and operations. For deaths that result from military training or operations, the compensation amount is doubled that of WICA.

 

[Kyoji83]

What happen to your case and how much are you compensated?

Can understand the lack of transparency, only learnt about this recently as well after having my case reviewed.

Sources:

https://www.mom.gov.sg/workplace-safety-and-health/work-injury-compensation/who-is-covered

https://www.mom.gov.sg/workplace-safety-and-health/work-injury-compensation/changes-to-wica-in-2016

Hope this helps

MINDEF & HRSSC uses this (WICA framework) for compensation claims via MMI MOs. Note in the first link it says that SAF people aren't covered by law, but HRSSC still follows this for SI claim.

Source/proof for the above statement: https://www.mindef.gov.sg/web/porta...ases/article-detail/2018/november/19nov18_pq4

 

[Requital]

Am in the same situation as you, am going to MMI for PD review in April.

Care to describe your experience there, and also if there's any new information you're willing to share?

This is a rather obscure topic, most info available are purely hearsay and it's often hard to get a reply from someone who experienced it first hand

 

[reddevil0728]

Am in the same situation as you, am going to MMI for PD review in April.

Care to describe your experience there, and also if there's any new information you're willing to share?

This is a rather obscure topic, most info available are purely hearsay and it's often hard to get a reply from someone who experienced it first hand

How you know anything mentioned here is also not hearsay?

 

[treefted]

Am in the same situation as you, am going to MMI for PD review in April.

Care to describe your experience there, and also if there's any new information you're willing to share?

This is a rather obscure topic, most info available are purely hearsay and it's often hard to get a reply from someone who experienced it first hand

ok if you're asking me for my experience at MMI that I can tell you first hand. I went there thinking it was like any camp MO. Because I had blonde hair, I was worried that they may reject my entry into the building. But upon reaching, I realised it looked so similar to where I was interning at, a typical office building. I walked into the door of the 7th floor for review, and was warmly greeted by the counter civilian. I was told to scan my IC and she told me how my time would be spent there and the process of claiming. Thinking back i doubt they would have barred me from entering with blonde hair. The only concern was how I may be judged by the MO and might it affect my claim ahhah so I just sprayed black cuz $$$ involved.

I scanned my card at 0900H and saw the MO at 0930H. The review took only 10mins. He only asked about how I was coping with this injury, verbally. He didn't physically examined me. I ate a heavy breakfast cuz I was thinking it would take quite long considering everytime I go see MO wait 1-2 hours. There were NSF there in uniform that reported there at 0800H (they said) and they were still waiting even after I was done. Prolly civilian privilege HAHA

 

[Kyoji83]

You have no problem entering the building with blonde hair because it is manage by security officers. You go to counter at level7, it is manage by civilian or NSF clerks and they don't give a damn about regimental for patient because it is more like a civilian environment.

ok if you're asking me for my experience at MMI that I can tell you first hand. I went there thinking it was like any camp MO. Because I had blonde hair, I was worried that they may reject my entry into the building. But upon reaching, I realised it looked so similar to where I was interning at, a typical office building. I walked into the door of the 7th floor for review, and was warmly greeted by the counter civilian. I was told to scan my IC and she told me how my time would be spent there and the process of claiming. Thinking back i doubt they would have barred me from entering with blonde hair. The only concern was how I may be judged by the MO and might it affect my claim ahhah so I just sprayed black cuz $$$ involved.

I scanned my card at 0900H and saw the MO at 0930H. The review took only 10mins. He only asked about how I was coping with this injury, verbally. He didn't physically examined me. I ate a heavy breakfast cuz I was thinking it would take quite long considering everytime I go see MO wait 1-2 hours. There were NSF there in uniform that reported there at 0800H (they said) and they were still waiting even after I was done. Prolly civilian privilege HAHA

 

[dottles]

Just wanted to add on,

Now 100% disability results in a $262,000 payout, increased 2 years ago. Also, if your injury was a result of Ops training (live firing, etc. not sure if SOC counts), your quantum sum will double.

So if it's 10%, it will be 0.1 x 2 x $262,000 = $52,400

This is absolutely right, if injury occurred during training. Compensation is usually double of the norm. 1% payout is $2,620.

 

[Requital]

How you know anything mentioned here is also not hearsay?

At this point, even hearsays will give me a rough idea of what to expect given how little information is given.

ok if you're asking me for my experience at MMI that I can tell you first hand. I went there thinking it was like any camp MO. Because I had blonde hair, I was worried that they may reject my entry into the building. But upon reaching, I realised it looked so similar to where I was interning at, a typical office building. I walked into the door of the 7th floor for review, and was warmly greeted by the counter civilian. I was told to scan my IC and she told me how my time would be spent there and the process of claiming. Thinking back i doubt they would have barred me from entering with blonde hair. The only concern was how I may be judged by the MO and might it affect my claim ahhah so I just sprayed black cuz $$$ involved.

I scanned my card at 0900H and saw the MO at 0930H. The review took only 10mins. He only asked about how I was coping with this injury, verbally. He didn't physically examined me. I ate a heavy breakfast cuz I was thinking it would take quite long considering everytime I go see MO wait 1-2 hours. There were NSF there in uniform that reported there at 0800H (they said) and they were still waiting even after I was done. Prolly civilian privilege HAHA

Just went for the review that you probably went for as well. A 2 bar with his CPL greeted me and asked me about my injury. After confirming that mine is a PD, they're scheduling me for an assessment with a specialist to get the %.

I was offered the choice of either seeing MOs ( reservist MOs ) or civilian doctors at a local hospital. But I'm told that hospital will normally take a couple of months to schedule an appointment. MOs on another hand, will be much quicker apparently.

According to them, they follow the GATIOD assessment which is an open source document that we can all refer to so I'm guessing the % given wouldn't differ much, hence I opt to have my assessment done by an MO.

Wondering if I made the right choice though.