Lawdify for Insurance

Assess workers compensation under WICA and EC

Singapore WICA and Hong Kong EC, month-by-month document review and running totals

Wage replacement during recovery, medical expenses, and permanent incapacity lump sums, computed under Singapore's WICA or Hong Kong's Employees' Compensation Ordinance. A work injury claim runs for months, so Lawdify folds in each new batch of documents and keeps the totals current. Your handlers approve every figure.

Assess workers compensation
Compute to the Statute

Compensation computed the way each jurisdiction sets out

Lawdify reads the payroll records, the medical certificates, and the incapacity assessment, then computes each head of compensation under the rules that govern the file, with your configured statutory limits applied. The handler reviews and approves every figure.

Compensation computed the way each jurisdiction sets out
1

Permanent incapacity lump sums

Under WICA, derive the lump sum from average monthly earnings, the age multiplying factor, and the assessed permanent incapacity percentage. Under EC, apply monthly earnings, the age-based multiplier, and the loss of earning capacity assessed by the Employees' Compensation Assessment Board.

Applies the uplift for a total permanent incapacity assessment, then checks the result against the prevailing statutory floor and ceiling.

2

Wage replacement during recovery

Apply WICA's medical leave wages, full pay for hospitalisation leave and two-thirds for outpatient leave, or EC's periodical payments at four-fifths of the earnings shortfall.

Splits 18 days of hospitalisation leave from 42 days of outpatient leave and flags the file approaching the combined limit.

3

Medical expense checks

Test every bill against the covered period and the per-claim or daily limit that applies, and separate treatment for the work injury from unrelated care.

Flags three invoices dated beyond the covered period and one specialist consultation unrelated to the reported injury.

Keep the File Current

A claim file that stays current for as long as the claim runs

A work injury claim rarely closes in one pass. Every month brings fresh medical certificates, invoices, and specialist reports. Lawdify reads each new batch, reconciles it against what is already on file, and updates the running totals so the assessment never goes stale.

A claim file that stays current for as long as the claim runs
1

Monthly document intake

Read each new batch of certificates, bills, and reports as it arrives and reconcile it against the existing file, instead of reviewing the whole claim again.

Identifies two certificates in this month's batch that overlap three days already counted.

2

Running totals against the limits

Track cumulative leave days and medical expenses against the statutory caps as the claim progresses, and flag a file before it crosses a threshold.

Warns the file has used 11 of the 14 months of combined leave with treatment still ongoing.

3

Statutory forms cross-check

Match the reported accident circumstances against the medical evidence and the employer's own incident record, whether the file runs on a Singapore Work Injury Report or a Hong Kong Form 2.

Notes the reported mechanism of injury does not match the diagnosis on the first medical certificate.

4

Earnings verification

Derive the earnings figure each statute relies on from payroll records, including the allowances and overtime that count towards it.

Recomputes monthly earnings to include a shift allowance omitted from the employer's declaration.

Close work injury claims accurately, and defend every figure

Lawdify's workers compensation module takes the arithmetic and the evidence chasing off your handlers, so their time goes to the judgement calls.

Accurate compensation

Compute every head of compensation from source records rather than spreadsheets.

Fewer disputes

Catch computation errors and evidence gaps before the claim is contested.

Nothing missed month to month

Overlapping certificates, missing reports, and approaching limits surface as the claim runs on.

Minutes per review

However long the claim stays open, each monthly re-review takes minutes rather than an afternoon.

Both regimes, one workflow

Run Singapore WICA and Hong Kong EC files side by side, with your own policy terms layered on top.

Handler-led decisions

Your handlers approve every assessment — AI proposes, humans decide.

Workers compensation module — frequently asked questions

No. Lawdify computes the compensation and assembles the evidence; your handler reviews, adjusts, and approves every figure before anything is paid.

Singapore's Work Injury Compensation Act (WICA) and Hong Kong's Employees' Compensation Ordinance (EC). Each has its own compensation formulas, wage-replacement rates, statutory forms, and limits, and the module applies the right set to each file.

Yes, and that is the normal case. The file stays open for the life of the claim: each new batch of certificates, bills, and reports is read and reconciled against what is already there, the running totals update, and the compensation figures are recomputed. Your handler sees what changed since the last review instead of re-reading the whole file.

Yes. The statutory floors, ceilings, and leave caps are configured values rather than hard-coded ones, so when either jurisdiction revises them your assessments follow the new figures from the date you set.

Yes. The module ingests your policy wordings and endorsements alongside the statute, so assessments reflect the cover you actually wrote.

Yes — Lawdify exposes a REST API and integrates with most core claims and policy admin systems.

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