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PERSONNEL POLICY SUPPLEMENT PAKISTAN NATIONAL STAFF Revised: 1 January 2016

PERSONNEL POLICY SUPPLEMENT...Eid Millad-un-Nabi 1 day* Independence Day August 14 Iqbal Day November 9 Birthday of Quaid-i-Azam December 25 & Christmas PERSONNEL POLICY SUPPLEMENT

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  • PERSONNEL POLICY SUPPLEMENT

    PAKISTAN NATIONAL STAFF

    Revised: 1 January 2016

  • PERSONNEL POLICY SUPPLEMENT PAKISTAN NATIONAL STAFF

    1 Revised: 1 January 2016

    CONTENTS

    REVISED: 1 JANUARY 2016 ....................................................................................................... 1

    1. HOURS OF WORK AND OVERTIME............................................................................. 3

    2. LOCAL HOLIDAYS ............................................................................................................ 3

    3. SALARY POLICY ............................................................................................................... 4

    3.1 PAY PERIOD .............................................................................................................4

    4. HOST COUNTRY TAXATION ......................................................................................... 4

    5. BENEFITS & ALLOWANCES .......................................................................................... 4

    5.1 TRANSPORT ALLOWANCE .........................................................................................4

    5.2 UNIFORM ALLOWANCE ............................................................................................4 5.3 MEAL ALLOWANCES ...............................................................................................5

    5.4 OVERNIGHT ALLOWANCE / HOTEL ACCOMMODATION ............................................5 5.5 EXTENDED STAY OUT OF STATION ...........................................................................5

    6. STAFF LOAN ....................................................................................................................... 5

    7. MEDICAL, LIFE, AD&D AND LTD INSURANCE COVERAGE ................................ 6

    8. DEATH BENEFITS ............................................................................................................. 6

    9. PROVIDENT FUND ............................................................................................................ 6

    10. LEAVE .................................................................................................................................. 7

    10.1 ANNUAL LEAVE .......................................................................................................7

    10.1 CASUAL LEAVE ........................................................................................................8

    10.2 MEDICAL LEAVE ......................................................................................................8 10.4 LEAVE TO ATTEND COURTS OR SUMMONS ...............................................................9 10.5 LEAVE TO VOTE AT ELECTIONS ................................................................................9

    10.6 MATERNITY LEAVE ..................................................................................................9 10.7 STUDY LEAVE .......................................................................................................10

    10.8 UNPAID LEAVE ......................................................................................................10 10.9 COMPENSATORY LEAVE .........................................................................................10

    11. RETIREMENT AGE ......................................................................................................... 11

    12. SEPARATION BENEFITS ............................................................................................... 11

    12.1 GRATUITY .............................................................................................................11

    12.2 PAYMENT FOR UNUSED ANNUAL LEAVE ................................................................11

    13. TERMINATION ................................................................................................................. 11

    13.1 REDUNDANCY/COMPENSATION .............................................................................11 13.2 UNSATISFACTORY PERFORMANCE ..........................................................................12 13.3 NOTICE OF TERMINATION ......................................................................................12

    14. DISCIPLINE AND DISCIPLINARY PROCEDURES .................................................. 12

    15. GRIEVANCE PROCEDURE ........................................................................................... 12

    APPENDIX I ................................................................................................................................. 13

  • PERSONNEL POLICY SUPPLEMENT PAKISTAN NATIONAL STAFF

    2 Revised: 1 January 2016

    BENEFITS AND ALLOWANCES ........................................................................................13

    APPENDIX II ............................................................................................................................... 14

    MEDICAL, LIFE, AD&D AND LTD INSURANCE COVERAGE ...........................................14 Medical Insurance .........................................................................................................14 Life insurance................................................................................................................14 Accidental Death & Disability benefit (AD&D) ..........................................................15

    Long-term Disability Insurance ....................................................................................15

    IWMI is subject to the contract provisions and funding decisions of

    donors. Therefore, IWMI’s Board and Management reserve the right to

    act on such considerations and change, suspend or terminate any of its

    policies and procedures as deemed necessary.

  • PERSONNEL POLICY SUPPLEMENT PAKISTAN NATIONAL STAFF

    3 Revised: 1 January 2016

    1. Hours of Work and Overtime

    1.1 Employees other than those who work on a rostering system are expected to work

    eight hours per working day between the hours of 8.00 a.m. to 4.30 p.m. Monday to

    Thursday with a lunch break of half an hour. Staff may take an extended lunch

    break of one hour on Fridays for prayers. For staff who avail this option, working

    hours will extend to 5.00 p.m. on Fridays. The Regional Director/Head of Office

    may change the normal hours of work to fit special situations.

    1.2 Staff assigned to fieldwork will have working hours agreed with their supervisors.

    1.3 Overtime is defined as work in excess of 8 hours per working days and work

    during IWMI holidays.

    1.4 Staff members in Support Services Levels 6-9 and Research/Research Support

    Level 5-6 are eligible for overtime pay, at the rate of one and a half times the

    normal rate, for those extra hours worked on week days, and, at the rate of two

    times the normal rate for overtime on IWMI holidays.

    1.5 Staff members in Support Services Levels 6-9 whose work requires unusual shifts

    or duty hours outside IWMI working hours are entitled to overtime pay.

    1.6 Staff members in Support Services Levels 1-5 and Research/Research Support

    Levels 1-4 may take compensatory leave for work on IWMI holidays (See section

    10.9).

    2. Local Holidays

    2.1 National staff will follow the calendar of holidays published by the government of

    Pakistan.

    2.2 The holidays will be published and made known to all staff at the beginning of the

    calendar year. The normal holidays are as follows:

    New Year’s Day January 1 Kashmir Day February 5 Pakistan Day March 23 Labour day May 1 Eid-ul-Fitr 2 days* Eid-ul-Azha 2 days* 9th and 10th Muharram 2 days* Eid Millad-un-Nabi 1 day* Independence Day August 14 Iqbal Day November 9 Birthday of Quaid-i-Azam December 25 & Christmas

  • PERSONNEL POLICY SUPPLEMENT PAKISTAN NATIONAL STAFF

    4 Revised: 1 January 2016

    *Depending on sighting of the moon. Number of days vary each year and

    is dependant on the decision of the Government of Pakistan.

    3. Salary policy

    (a) IWMI’s policy is to establish salaries that are comparable with those paid by other comparable organisations, NGO’s, and other international organisations

    in Pakistan for equivalent positions and caliber of staff, with due regard to

    availability of funds.

    3.1 Pay Period

    3.1.1 The salary as well as all allowances, if any, provided to employees are quoted and

    paid in Pakistan Rupees.

    3.1.2 The pay period is a calendar month. Each employee should open a bank account

    for deposit of his/her salary. IWMI will credit the net salary of the employee to

    the bank account directly. A pay slip listing the details of monthly salaries and

    deductions will be issued to each individual employee at the end of the month.

    4. Host Country Taxation

    4.1 Employees are subject to the Income Tax Laws of Pakistan. Accordingly, staff are

    expected to pay the taxes and to file their returns for which they are liable under

    the laws of Pakistan.

    4.2 IWMI will withhold income taxes from the salaries of the employees as required

    by Law, credit to the Income Tax Authorities, and, inform the employees

    accordingly.

    5. Benefits & Allowances

    5.1 Transport allowance

    5.1.1 All employees are eligible to receive a fixed monthly transport allowance as

    determined by the Director, Human Resources in consultation with the Head of

    Office. See Appendix 1 for details.

    5.1.2 Regular field research staff who work at field locations will normally be provided

    with a motor cycle. Comprehensive insurance and a safety helmet are provided.

    5.1.3 Such staff are expected to possess a valid motorcycle operations license.

    Maintenance and cost of the fuel for official travel is the responsibility of IWMI.

    5.2 Uniform allowance

  • PERSONNEL POLICY SUPPLEMENT PAKISTAN NATIONAL STAFF

    5 Revised: 1 January 2016

    5.2.1 A uniform allowance will be provided annually to certain categories of employees.

    Normally two sets each of winter and summer uniforms will be provided. (See

    Appendix 1).

    5.2.2 Employees eligible for uniforms should wear their uniforms while on duty.

    Uniforms must be kept in a clean, pressed and mended condition.

    5.3 Meal Allowances

    5.3.1 If an employee makes an official trip away from his/her duty station, the employee

    will be entitled to meal allowances provided he/she is in travel status outside

    Lahore and suburbs during meal times as specified below:

    Breakfast 0630 - 0730

    Lunch 1300 - 1400

    Dinner 1930 – 2030

    5.3.2 The rates for meal allowance will be fixed and revised from time to time as deemed necessary by the Head of Office in consultation with the Director, Human

    Resources (Refer Appendix 1).

    5.3.3 In addition, staff may claim the specified daily allowance for each complete 24 hour

    period of travel from home/office base and return to home (see Appendix 1). This

    will cover incidental expenditure such as telephone calls, laundry charges, tips, etc.

    5.4 Overnight allowance / Hotel accommodation

    5.4.1 An employee is eligible for an overnight allowance where an overnight stay is

    involved on an official trip. No overnight allowance is applicable when IWMI

    provides suitable accommodation (See Appendix 1).

    5.4.2 In addition to the overnight allowance, employees on official travel will be entitled to the meal allowances during the periods as defined in section 5.3.

    5.5 Extended stay out of station

    5.5.1 For official travel exceeding 14 overnights, special arrangements may be approved

    by the Head of Office in consultation with the Director, Human Resources and an

    appropriate living allowance authorized.

    6. Staff Loan

    6.1 Each confirmed employee will be entitled to a staff loan up to a prescribed limit (refer Appendix 1) to be repaid over twelve equal installments by salary

    deductions. These loans will be interest free.

    6.2 A second loan will not be approved until the previous loan has been fully repaid. These loans assist staff facing financial difficulties due to family commitments,

  • PERSONNEL POLICY SUPPLEMENT PAKISTAN NATIONAL STAFF

    6 Revised: 1 January 2016

    medical needs, urgent repairs to house & property and other unforeseen

    circumstances.

    6.3 Fixed term contract staff who have completed 6 months service would be eligible for loans, provided duration of contract covers the full repayment period.

    6.4 Employees who wish to avail themselves of such a loan should apply in writing to

    the Head of Office.

    7. Medical, Life, AD&D and LTD Insurance Coverage

    7.1 Staff on indefinite and fixed term contracts and their authorized dependants will

    be insured under a comprehensive Medical, Life, Accidental Death and Disability

    and Long-term Disability insurance coverage through Cigna. See Appendix II for

    details.

    7.2 Proof of dependants: The staff member is required to furnish IWMI with the

    following documents to cover the family member:

    a) Original birth certificate/s to cover the dependant minor child

    (children)/authorized dependants.

    b) Original marriage certificate or a written statement identifying spouse/partner.

    8. Death Benefits

    8.1 If an employee dies while in IWMI employment from whatever cause, his/her

    beneficiaries will receive all entitlements normally specified for separation due to

    resignation. In addition, the beneficiaries will receive the benefits due under the

    Cigna insurance policy (see Appendix II)

    8.2 If a staff member dies while on assignment by IWMI to another workplace, the

    cost of transferring the deceased to his/her family shall be borne by IWMI.

    9. Provident Fund

    9.1 All regular employees who have successfully completed their probationary period are entitled to join the IWMI Employees Provident Fund. The Government of

    Pakistan through the Commissioner of Income Tax, Lahore Zone-B has accorded

    recognition to the IWMI Employee Provident Fund effective July 1, 1988. Joining

    the fund results in a 10% deduction of the employee’s salary matched with 10%

    contribution by IWMI.

  • PERSONNEL POLICY SUPPLEMENT PAKISTAN NATIONAL STAFF

    7 Revised: 1 January 2016

    10. Leave

    a) Unless leave has been approved or unforeseen circumstances such as sudden illnesses occur, employees are expected to be at work during the agreed hours.

    b) An employee who misses work due to unforeseen circumstances is required to inform the supervisor or other appropriate authority by email, telegram or

    telephone stating the reason for leave and the number of days leave required.

    The employee is required to submit a leave application on his/her return to

    work and obtain a covering approval.

    c) Types of leave covered in these procedures are as follows:

    Annual leave

    Casual leave

    Medical leave

    Leave to attend courts or summons

    Leave to vote at elections

    Maternity leave

    Study leave

    Unpaid leave

    Compensatory leave

    10.1 Annual Leave

    10.1.1 Annual leave must be approved by the employee’s supervisor. In some exceptional circumstances employees may not be allowed to take leave over certain periods due

    to service needs. Supervisors will ensure that the Head of Office/Regional Director

    and the HR Director has been informed and is in agreement.

    10.1.2 Each calendar year (the period from 1 January to 31 December) during which an

    employee has been in continuous employment, he or she is entitled to take, in the

    following year, paid annual leave on the following basis:

    i) 14 working days leave if the employment commenced on or after 1 January

    but before 1 April.

    i) 10 working days leave if the employment commenced on or after 1 April but before 1 July;

    ii) 7 working days leave if employment commenced on or after 1 July but before 1 October; and

    iii) 4 working days leave if employment commenced on or after 1 October.

    10.1.3 The year following one full calendar year of employment an employee is entitled

    to the full quota of leave: 14 working days. When employment is terminated,

    either by IWMI or by the employee, the employee is entitled to take the annual

  • PERSONNEL POLICY SUPPLEMENT PAKISTAN NATIONAL STAFF

    8 Revised: 1 January 2016

    leave earned in the previous year, plus the days earned during the year of

    termination on the basis of one day for every completed month of service, less any

    annual leave taken during that year.

    10.1.4 When employment is terminated without notice or the period of notice is

    insufficient for the employee to take earned leave, or if IWMI is unable to grant

    leave, the employee is entitled to payment at the current salary level for unused

    annual leave credits. Employees are encouraged to take their annual leave within

    the year following that in which it was earned.

    10.1.5 An employee may elect to accumulate his annual leave up to a maximum of 28

    days. If the employee has not been able to take annual leave due to demands of

    service he/she will be entitled to payment in lieu (up to a maximum of 28 days) at

    the time of separation from IWMI. All requests for payment in lieu of annual leave

    must be confirmed by the supervisor.

    10.1.6 Annual leave is based on working days and excludes weekends and IWMI

    holidays.

    10.1.7 Employees on fixed term contracts of employment are entitled to one day of annual leave per month of completed service.

    10.1 Casual Leave

    10.1.1 Employees are entitled to seven working days of casual leave beginning with their second calendar year of employment.

    10.1.2 During the first year of employment, they are entitled to one day of casual leave for every two months of completed service.

    10.1.3 Casual leave normally is not granted for more than two consecutive working days. Employees are required to apply for casual leave before taking it in the same way

    as in the case of annual leave.

    10.1.4 Casual leave cannot be accrued. Unused casual leave is not compensated at termination of employment.

    10.2.5 Employees on fixed term contracts of employment are entitled to one half day of

    casual leave per completed month of service.

    10.2 Medical Leave

    10.3.1 IWMI may grant to an employee medical leave up to 14 working days per year for medical reasons from his/her first year of employment. An employee may take

    two day’s medical leave without submitting a medical certificate.

    10.3.2 If an employee has to keep away from work due to medical reasons for more than two days, he/she must send a medical certificate acceptable to IWMI as early as

  • PERSONNEL POLICY SUPPLEMENT PAKISTAN NATIONAL STAFF

    9 Revised: 1 January 2016

    possible. Employees who fail to submit a medical certificate as stated above will

    be liable to disciplinary action.

    10.3.3 The Director, Human Resources/Head of Office may permit an employee to utilize

    these unused medical leave earned over the previous five year period in cases

    when an illness or accident requires a prolonged period of hospitalization and/or

    recuperation. Granting of such leave will be considered only if all other available

    casual and annual leave have been exhausted.

    10.3.4 Employees will be required to submit appropriate medical certificates to support

    an extended period of medical leave. Employees will not be compensated for

    unused medical leave at the time of separation from IWMI.

    10.3.5 Employees on fixed term contracts of employment are entitled to one day of

    medical leave per completed month of service.

    10.4 Leave to attend courts or summons

    10.4.1 If an employee is required to attend court as a witness or on summons, his/her

    absence from work will be charged against the annual/casual leave entitlement. If

    the employee has no leave remaining, he/she will be placed on no-pay leave for

    such absences.

    10.4.2 If the employee is summoned to give evidence on any matter arising out of his/her

    official duties with IWMI, or jury duty, he or she should be granted duty leave.

    10.5 Leave to vote at elections

    10.5.1 Employees who are qualified to vote at elections under the auspices of the

    Commissioner of Elections will be granted leave with pay up to 4 hours to vote.

    10.5.2 Employees who request leave for this purpose must produce documentary

    evidence to the Personnel Department that they are qualified to vote and the

    polling district where he or she is registered to vote.

    10.6 Maternity leave

    10.6.1 Employees are entitled to leave on full pay for a period of 2 calendar weeks before

    and 10 calendar weeks after confinement provided the employee was not pregnant

    on the date of employment.

    10.6.2 The above is available only for the first and second confinements. The employee may have the choice to take all of the 12 calendar weeks after confinement.

    10.6.3 For the third and subsequent confinements and for stillbirth the entitlement will be as follows:

    a) Two calendar weeks before and four weeks after confinement, with full pay. The staff member may have a choice to take all of six calendar weeks after

    confinement.

  • PERSONNEL POLICY SUPPLEMENT PAKISTAN NATIONAL STAFF

    10 Revised: 1 January 2016

    10.6.4 Employees who claim maternity leave are required to submit appropriate medical certificates.

    10.6.5 If medical complications of pregnancy require additional leave this may be taken as

    sick leave.

    10.7 Study Leave

    10.7.1 Employees are entitled up to 2 days of study leave annually for purpose of taking

    examinations for courses of study relevant to IWMI’s concerns. Documentary

    evidence should be produced and dates should be agreed with the supervisor.

    10.8 Unpaid Leave

    10.8.1 Unpaid leave is a period of leave without pay. Such leave is not an entitlement. It

    may be granted at the sole discretion of the Head of Office/Regional Director in

    consultation with the HR Director, in exceptional situations. Examples of such

    situations are when an employee (a) wishes to sit for an examination, (b) wishes to

    enroll in a suitable training course, or (c) for other urgent personal reasons.

    10.8.2 Employees who wish to apply for unpaid leave should submit a leave application to the Head of office through their supervisors with documentary evidence to

    support their request.

    10.8.3 Requests for unpaid leave will normally not be granted to employees with less than 12 months of service with IWMI, and unpaid leave will not normally exceed

    12 months.

    10.8.4 IWMI guarantees that an employee who returns from an approved leave of absence will be given a position at least at the same grade and level as the

    employee enjoyed immediately before the commencement of the leave of absence.

    10.8.5 An employee on approved unpaid leave for the purpose of higher level studies may be entitled to count that period of leave as being in employment for the

    purposes of benefits related to the length of service.

    10.9 Compensatory leave

    10.9.1 If an employee has worked more than five hours on a Saturday, Sunday or IWMI holiday and is not eligible for overtime, then one day’s compensatory leave may

    be granted.

    10.9.2 Compensatory leave must be taken at a time convenient to IWMI and the employee and should normally be taken within three months from the date earned.

    If such leave is not taken during that time, it will be forfeited. Employees should

    avail themselves of available compensatory leave prior to availing casual or

    annual leave.

  • PERSONNEL POLICY SUPPLEMENT PAKISTAN NATIONAL STAFF

    11 Revised: 1 January 2016

    10.9.3 An employee who wishes to take advantage of compensatory leave should advise the Office Manager in writing, certified by the supervisor, on the next regular

    working day, of the date and hours worked on a holiday.

    11. Retirement Age

    11.1 Staff members will be required to retire from IWMI at the age of 60 years. Staff

    will normally retire on the last day of the month in which they reach the retirement

    age.

    12. Separation Benefits

    12.1 Gratuity

    12.1.1 All regular employees are entitled to the payment of gratuity for every completed

    year of service or any part thereof in excess of six months ((under the West

    Pakistan Industrial and Commercial Employment (Standing Orders) Ordinance

    1968, Section 12 sub-section 6)) as follows:

    On Death / Retirement / resignation, termination by the employee of his/her

    services on any other ground, termination by operation of law, redundancy

    dismissal by IWMI.

    = Last drawn basic pay per month X number completed years of service.

    12.1.2 Gratuity procedure

    a) The gratuity shall be paid within thirty (30) days of the end of employment or within thirty (30) days of an employee’s death, as the case may be. In the

    case of death, the gratuity shall be paid to the employee's designated person.

    b) From the gratuity payable, IWMI will be entitled to deduct an amount on account of damage or loss caused to IWMI by the employee where the

    latter's services are terminated for reasons of fraud, misappropriation of

    IWMI funds, willful damage to IWMIs property or causing the loss of goods,

    articles or property of IWMI. The amount of such deduction will not exceed

    the extent of the damage or loss so caused by the employee.

    12.2 Payment for unused annual leave

    12.2.1 At separation only, staff will be entitled for payment at current salary for any

    unused annual leave up to a maximum of 28 days at the date of termination.

    13. Termination

    13.1 Redundancy/Compensation

  • PERSONNEL POLICY SUPPLEMENT PAKISTAN NATIONAL STAFF

    12 Revised: 1 January 2016

    13.1.1 Continued regular employment with IWMI is conditional upon it receiving adequate funding to carry out its activities. The Director General, in consultation with the

    Head of Office will determine which activities are to be curtailed and which

    employment contracts are made redundant.

    13.1.2 If a staff position is declared redundant before the appointment of the staff has expired, IWMI will pay the staff member one month's salary multiplied by the

    number of years of service to the nearest 100th in excess of one full year, up to a

    maximum of 12 months’ salary, as compensation for loss of service.

    13.2 Unsatisfactory performance

    13.2.1 If the staff member is not fulfilling the terms of his/her appointment, the Director

    General retains the right to terminate the staff member’s contract.

    13.3 Notice of Termination

    13.3.1 If a staff member’s contract is terminated for non-disciplinary reasons such as

    continued poor health, redundancy, etc., IWMI will give the staff member advance

    notice or salary and salary associated benefits in lieu of notice. Staff who have fixed-

    term contracts with effective dates prior to January 1, 2016 will receive six months’

    notice of termination. Staff with new appointments or contract renewals effective on

    or after January 1, 2016 will receive a minimum of 3 months’ notice in writing.

    14. Discipline and Disciplinary Procedures

    14.1 IWMI’s Code of Conduct sets forth the standards for staff conduct, action and

    behaviour to ensure that the highest ethical and professional standards are met and

    maintained. Employees are expected to adhere to the Code of Conduct and behave

    responsibly and within IWMI policies at all times.

    14.2 Disciplinary proceedings will result if employees display unsatisfactory conduct;

    contravene IWMI policies and procedures, or neglect duties and obligations.

    14.3 Detailed disciplinary policy and procedure is available on the Intranet.

    15. Grievance Procedure

    15.1 IWMI aims to provide fair treatment for all employees at work. Where employee

    grievances arise, IWMI tries to achieve resolutions that are acceptable and reasonable to all

    parties.

    15.2 The first option is to manage the issue informally.

    15.3 IWMI recognizes that in some circumstances formal procedures may need to be followed.

    Employees may refer the grievance policy and process on the Intranet for details.

    http://intranet.iwmi.org/Data/Sites/1/Documents/HR_Office_Files/PDF/IWMI_Disciplinary_Policy_Jan10.pdfhttp://intranet.iwmi.org/Data/Sites/1/Documents/HR_Office_Files/PDF/IWMI_Grievance_Policy_Jan10.pdf

  • PERSONNEL POLICY SUPPLEMENT PAKISTAN NATIONAL STAFF

    13 Revised: 1 January 2016

    Appendix I

    Benefits and Allowances

    Traveling and Subsistence

    Meal Allowances

    Breakfast PKRs.400/-

    Lunch PKRs.500/-

    Dinner PKRs.600/-

    Daily Allowance PKRs.200/- for each complete 24 hour period of travel from home/office base and

    return to home.

    Overnight Allowances

    Karachi/Lahore/Islamabad-Rawalpindi

    Faisalabad/Peshawar/Hyderabad and - PKRs.7000/- per night plus taxes

    other major cities (on production of proper hotel receipts)

    Mardan/DI Khan and other small - PKRs.5000/- per night plus taxes

    cities/towns (on production of proper hotel receipts)

    Uniform Allowance

    Set of uniforms to comprise

    Summer: (every year) - two shirts and two pairs trousers

    two salwar kameez for gardeners and cleaning staff

    Winter: (once in two years) includes a pullover

    Transport Allowance

    PKRs.6000/- per month

    Staff Loan

    Up to a maximum of four month's salary, or PKRs.197,500/- whichever is lower,

    repayable in twelve (12) equal consecutive installments.

    Contract staff would be eligible, provided duration of contract, as at date of loan, covers

    full repayment period.

    Note: All deductions from monthly salary shall not exceed 45% of salary.

    Fee for membership

    Fees for membership in Professional US$250/- or its equivalent in

    Associations (IWMI job related) Pakistan Rupees

  • PERSONNEL POLICY SUPPLEMENT PAKISTAN NATIONAL STAFF

    14 Revised: 1 January 2016

    Appendix II

    Medical, Life, AD&D and LTD Insurance Coverage

    A comprehensive Medical, Life, Accidental Death & Disability and Long-term Disability

    insurance coverage is provided through Cigna.

    Medical Insurance

    The medical insurance scheme through Cigna provides the insured staff member and

    his/her authorized dependants the following:

    Medical insurance coverage of maximum US$16,000 per calendar year per insured;

    100% reimbursement in respect of medical ambulatory (requiring non-hospitalization)

    treatment & hospitalization;

    Preventive screening for babies and immunizations for children;

    Vision coverage - eye examination and lenses (80%);

    Women’s wellness;

    Reimbursement of dental (80%) and psychiatric (50%) treatment– up to a maximum

    of US$300 and US$600 respectively per person per calendar year;

    Reimbursement of medical expenses related to the HIV virus. This includes cost of

    medication, testing, vaccines & consultation;

    Medical reimbursement in case of emergencies (with prior approval of Cigna) in any

    part of the world, except Singapore & North America.

    Dependant Eligibility:

    The following are covered:

    Spouse or Partner and

    Unmarried, dependant children until the age of 21 or until the age of 26 if continuing with studies and depends solely on the staff member.

    Life insurance

    Employees are entitled to a death benefit equal to 3 times the annual base salary if death

    occurs before attaining retirement.

    The benefit entitlement will be paid through the Policyholder to the rightful claimants in

    accordance with the insured’s instructions, upon receipt of the following documents:

    the notice of death, given by the policyholder and containing information on the circumstances of the death; and

    a death certificate.

  • PERSONNEL POLICY SUPPLEMENT PAKISTAN NATIONAL STAFF

    15 Revised: 1 January 2016

    Accidental Death & Disability benefit (AD&D)

    The AD&D benefit is provided in case of death or disability occurring within 90 days of a

    covered accident. The accidental death benefit amounts to 3 times the insured’s annual

    base salary.

    In case of total permanent disability as a consequence of an accident, an amount equal to

    3 times the staff member’s annual base salary is paid.

    In case of partial disability as a consequence of an accident, a portion of this capital will

    be paid. This portion is determined on the basis of the continental scale of disabilities.

    For disabilities of less than 33%, no capital will be paid; for disabilities of 66% and more,

    the capital to be paid by the plan will be 100% of 3 times the annual salary.

    Long-term Disability Insurance

    Long Term Disability is a monthly benefit payable in the event that, due to either sickness

    or accident, the staff member is continuously and totally disabled for over 180 days to the

    extent they are unable to perform all the duties of their usual occupation.

    The staff member will receive a benefit equal to 60% of monthly base salary earned

    immediately prior to the disability.