Workplace accidents in Morocco: first steps and compensation

First steps

• Inform the employer without delay, or have a relative do so.
• Have the injuries recorded by a doctor and keep the initial medical certificate.
• Gather useful information: witnesses, circumstances, times, route taken.
• Check that the employer has reported the accident to its insurer in time.

What compensation covers

The victim is entitled to cover of medical, pharmacy and hospital costs related to the accident.

During temporary incapacity, the victim receives a daily allowance based on salary. For permanent incapacity, an annuity is set according to the incapacity rate; in case of death, dependants may receive an annuity.

In case of disagreement

The incapacity rate, the date of recovery or the work-related nature of the accident can be disputed. The law first provides for an amicable stage with the insurer; failing agreement, the matter goes to court.

A second medical opinion is often decisive and should be prepared with the full medical file.

The employer's liability

When the accident results from a breach of health and safety rules, the employer may be held liable, regardless of the compensation paid by the insurer.

The firm's view

The initial medical certificate and the report shape everything that follows: a file that starts badly is hard to put right.

Maître Malak Elimani assists victims of workplace accidents in dealing with insurers and before the court. This article provides general information and is not a substitute for legal advice.