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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.