If you or a loved one is working overseas as a civilian employee (such as a contractor or interpreter) at a military base or US Embassy, there are certain things you should think about and protections you should take. Just because you are not in active combat, that doesn’t mean that certain accidents can’t befall you, or that you can’t end up becoming injured.
Because of this, it’s mandatory that all such employees take out something known as Defense Base Act insurance. If you’re unfamiliar with what this is, don’t worry.
This guide will help you to understand the basics. Read on for your ultimate defense base act insurance guide.
What Is the Defense Base Act?
This Act (also known as the DBA) offers compensation protection for civilian employees working abroad on US military bases or in US Embassies. It also covers those under a contract with the US government for public works or for national defense.
The Defense Base Act provides benefits to employees injured or killed in the course of employment. This includes compensation for injury, PTSD, death expenses, and more. But only in the case of employees that are covered by Defense Base Act insurance.
Defense Base Act Insurance: A Guide
In order to protect yourself and your loved ones in the case of an accident or tragedy, you’ll need to make sure you’re covered with DBA Insurance. Currently, only three insurance providers are authorized by the Office of Workers’ Compensation Programs to sell this type of insurance.
These are: AIG, CNA, and ACE-USA. You should take your time to choose the best Defense Base Act insurance for you.
DBA insurance can offer protection and compensation in a number of different situations. It can help to pay expenses and medical bills in the case of injury or death. It also covers both temporary and permanent disability payments.
Like many other forms of worker’s compensation, DBA insurance provides financial coverage for lost wages. This means that any wages you missed in the time you were unable to work due to an injury or disability sustained in the line of your work can be partially reimbursed to you.
The cost of DBA insurance can vary greatly. Some factors include the type of work you do and where you’re doing it. You’ll need to speak with your provider to see how much yours will cost.
Making a DBA Insurance Claim
If you do become injured, you’ll need to file a DBA insurance claim to receive compensation. This can be done by you, online. You may also want to enlist the services of a DBA attorney (your fees will be paid by the insurance provider).
When seeking medical attention, you don’t need to go to an approved provider. You can see any physician you want. Just make sure to document everything thoroughly for your claim.
Don’t Delay: Make Your Claim Today
If you don’t already have Defense Base Act insurance, you’ll need to get some immediately. If you do, and you want to make a claim, we’d be happy to assist you. Get in touch today to see how we can help you get the fairest compensation possible.