personal accident benefit scheme

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Does any one know how the Personal accident Benefit scheme work

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(a) Royal Mail http://www.cwu.org/49961/personal-accid ... cheme.html" onclick="window.open(this.href);return false;
This is a non contractual discretionary employee benefit provided by Royal Mail. The Scheme is designed to alleviate financial distress where individuals suffer a permanent physical disability as a result of an accident at work. Benefits from the scheme are not dependant on blame, fault or liability. In order to make a claim all accidents must be reported to the employer and recorded in the appropriate accident book (ERICA). Claims must be registered with the PABS Administrators within six months of the date of the accident. This is done automatically by the Legal Department where a member has submitted an LS3 claim form.

In order to establish the extent of any injuries the Scheme uses the medical assessments provided by the Department for Work and Pensions. It is therefore essential that claimants also register their accident with the DWP in line with the process described in claiming Industrial Injuries Benefit. On receipt of the appropriate disability assessment, this should be forwarded to the Legal Department. Claims are settled on the basis of permanent injury. Therefore a life assessment is required, in order to obtain payment. Payments are calculated using the percentage disability against the maximum payment of £40,000.00. For example, a member who is in receipt of a 10% life assessment will receive 10% of £40,000.00, i.e. £4,000.00. Additionally, payments can be made where a member is in receipt of a provisional assessment which extends in excess of a two year period. In such circumstances, a reduced interim payment may be made. Further details concerning the Scheme were published in LTB 198/06 dated 22nd March 2006.