✅ Day 1 Coverage — No Waiting PeriodThe Accident & Disability scheme activates from your very first day of employment. There is no waiting period. Even if your employer's first SSF deposit hasn't been made yet, you are covered for work accidents from Day 1. [Source: Operating Procedure 2075, Section 8]
Coverage Details
| Type of Accident/Disability | Coverage | Your Share |
|---|---|---|
| Workplace accident at empanelled hospital | 100% of all costs | None |
| Occupational disease | 100% (same as workplace) | None |
| Non-workplace accident | Up to NPR 7,00,000 | Other insurance deducted first |
| Temporary disability income | 60% of basic salary per month | — |
| Permanent full disability | Lifetime monthly pension | — |
| Permanent partial disability | Proportional pension (assessed) | — |
⚠️ July 2025 Amendment — Employer Personal Liability
Under the Act to Amend Some Nepal Acts 2082 (Section 9(6)), effective July 30 2025: if an employer has not deposited contributions for the period when a work accident or death occurs, the employer is personally liable to pay the full SSF-equivalent benefit from their own funds. SSF will not cover the gap.
[Source: Nepal Gazette 2082/04/14, July 30 2025]
Types of Disability
⏱️
Temporary Disability
Unable to work due to accident or occupational disease — temporarily. You receive 60% of your basic salary per month during the recovery period.
♿
Permanent Full Disability
Completely unable to work permanently. You receive a lifetime monthly pension assessed by the SSF medical subcommittee.
⚖️
Permanent Partial Disability
Partially impaired permanently. You receive a proportional pension based on the degree of disability, assessed by the SSF medical subcommittee.
How to Claim After an Accident
1
Seek immediate medical attention
Go to nearest SSF-empanelled hospital if possible. In emergencies, any hospital is fine.
2
Notify SSF within 7 days
Inform SSF of the accident — call 1116 (NTC) or 1660-01-55555, or email info@ssf.gov.np.
3
Also notify your employer
Your employer must file an accident report with SSF. If they refuse, file directly.
4
Submit claim documents
Medical bills, discharge summary, FIR (if applicable), photos, employer accident report.
5
SSF medical subcommittee assessment
For disability claims, an SSF medical panel assesses the degree of disability and determines pension amount.
6
Receive payment
Cashless at empanelled hospital, or reimbursement to bank account within processing period.