NATURE OF BUSINESS DEFINITION :

SMALL-SCALE MINING

As defined in Republic Act N ! "#"$ %An Act C&e'tin( )e ple*s S+'ll Sc'le Minin( )& (&'+ 'nd F & Ot,e& )u&p ses-. s+'ll-sc'le +inin( &efe&s t +inin( 'cti/ities 0,ic, &el1 ,e'/il1 n +'nu'l l'b & usin( si+ple i+ple+ents 'nd +et, ds 'nd d n t use e2pl si/es & ,e'/1 +inin( e3uip+ent! Minin( is c nside&ed 's ne f t,e + st uns'fe ,u+'n 'cti/ities! In t,e stud1 f t,e Institute f & Occup'ti n'l 4e'lt, 'nd S'fet1 'nd De/el p+ent %IO4SAD- in t,e ),ilippines. + st f t,e &ele/'nt c'uses f 'ccidents '+ n( s+'ll sc'le +ine&s '&e & c5 f'lls 'nd subsidence. use f p &l1 +'int'ined e3uip+ent. 'nd n n-c +pli'nce n 0e'&in( p& pe& p& tecti/e e3uip+ent. 'nd s'fet1 p&'ctices! E& si n. suff c'ti n. p is nin(. e2pl si n. 'nd bein( t&'pped & bu&ied '&e '+ n( t,e + st c ++ n 'ccidents

COLLECTI6E BARGAINING AGREEMENT:

D'te Sub:ect Definiti n : Feb&u'&1 7$. 8#79

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ACCIDENT INSURANCE
Accident insu&'nce is ' f &+ f insu&'nce p lic1 0,ic, ffe&s ' p'1 ut 0,en pe ple e2pe&ience in:u&1 & de't, due t 'n 'ccident! It 'ls (i/es c's, benefits t f'+il1 +e+be&s if t,e p lic1 +e+be& p'sses '0'1 due t 'ccident!

C /e&'(e Insu&ed Benefici'&ies : F'cts

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; &5 &el'ted 'ccident'l de't, Mine&s

F'+il1 f Mine& :

A +inin( c +p'n1 p& /ides 'ccident insu&'nce c /e&'(e t t,ei& e+pl 1ees 's c +p'n1 benefit! Up n e+pl 1+ent. 'n e+pl 1ee s,'ll be p& /ided 0it, 'ccident insu&'nce benefit &e('&dless unde& p& b'ti n & &e(ul'& e+pl 1+ent! A benefici'&1 0it, insu&'ble inte&est 0ill &ecei/e t,e de't, benefits up n sub+issi n f necess'&1 cl'i+ &e3ui&e+ents! T,e&e '&e c +p'nies t,'t ente& in ' t,i&d p'&t1 '(&ee+ent 0it, '(enc1 0, supplies independent c nt&'ct &s<l'b &e&s f & c st efficienc1! T,e t,i&d p'&t1 s,'ll be &esp nsible in p& /idin( 'ccident insu&'nce c /e&'(e t its 0 &5e&s & l'b &e&s! ;e c nducted c nsult'ti ns 0it, u& &es u&ce pe&s ns 7 t (i/e us /e&/ie0s 'b ut 'ccident'l insu&'nce c /e&'(e! Ou& &es u&ce pe&s ns '&e cu&&entl1 c nnected 0it, ' +inin( fi&+ 'nd life insu&'nce c +p'n1! G't,e&ed d't' '&e 's f ll 0s:
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Ms! M'1 S ne:'. 4R Office& - ),ile2 Minin(. 'nd Ms! I&ene And's. 6) f & Dist&ibuti n St&'te(1. ),ilippine )&udenti'l Life Insu&'nce C &p!

Mine&s '&e n t c /e&ed 0it, 'ccident insu&'nce benefits Mine&s bel n( t c'te( &1 f ,i(, &is5 e+pl 1+ent st'tus

;e /'lid'ted t,is c nce&n 'b ut t,e e2clusi n f +ine&s f& + bein( c /e&ed 0it, insu&'nce! T illust&'te. ' s'+ple f 'n 'ccident insu&'nce p lic1 st'te+ent is e2p&essed in t,is +'nne&: = T,e ) lic1 s,'ll n t e2tend t c /e&: 222 L'b &e&s<0 &5e& in/ l/ed in bl'stin(. b&id(e c nst&ucti n unde&(& und 0 &5s. c'/e-in +ines<+ine&s. l ((e&s. s'0+ill 0 &5e&s. de+ liti n. st&uctu&'l steel. t 0e&. tunnel. d&i/in( c nt&'ct &s. di/e&s. unde&0'te& 0 &5e&s. 'c& b'ts!> %M'l'1'n Insu&'nce C &p &'ti n-

RECOMMENDATION< COUNTER OFFER:

In t,is c nnecti n. 0e st& n(l1 &ec ++end t,'t 'ccident insu&'nce c /e&'(e f & +ine&s be denied! 4 0e/e&. 0e +'1 &ec ++end t,'t t,e c +p'n1 +'1 p& /ide t,e f ll 0in( benefit in lieu f 'ccident insu&'nce sub:ect t t,e +'n'(e+ent*s 'pp& /'l 'nd s,'ll be c'lled: ACCIDENTAL BURIAL EXPENSE BENEFIT T,is benefit is usu'll1 'n '+ unt p'id if t,e +ine& e+pl 1ee died f 0 &5 &el'ted 'ccident! CO6ERAGE:

),p 7#.###!## +'2i+u+ benefit E2clusi/e f & +ine&s nl1 Effecti/e up n ,i&in(

Te&+s 'nd c nditi ns: Benefit s,'ll be &ele'sed t f'+il1 +e+be&s f +ine& up n ,is de't,! C'use f de't, s,'ll be st&ictl1 0 &5 &el'ted Benefici'&1 s,'ll be t,e f'+il1 +e+be&s nl1 Bu&i'l e2pense benefit s,'ll be &ele'sed in c's, up n sub+issi n f +edic'l & de't, ce&tific'te b1 t,e benefici'&1!

RECOMMENDATION< ?USTIFICATIONS: Cu&&entl1. 44MC c'nn t 'ff &d t p& /ide its e+pl 1ees 'n 'ccident insu&'nce e/en if t,e Uni n c unte&-p& p sed f & ' s,'&ed c st pl'n!

44MC is '0'&e f t,e &ules 'nd &e(ul'ti ns ( /e&nin( ,e'lt, 'nd s'fet1 f its e+pl 1ees! In f'ct. 44MC 0's issued t,e necess'&1 pe&+its 'nd licenses t pe&'te its business. e/idencin( c +pli'nce 0it, t,e l'0. especi'll1 in t,e ,e'lt, 'nd s'fet1 f its +ine&s! It is self e/ident t,'t ' +ine&*s : b is enti&el1 diffe&ent f& + 'n &din'&1 e+pl 1ee f ' c +p'n1! Mine&s '&e '+ n( t,e e2clusi ns decl'&ed b1 insu&'nce c +p'nies due t its ,i(, &is5 : b suc, 's l'0 enf &ce+ent 'nd +ilit'&1 pe&s nnel! 4 0e/e&. f & ,u+'nit'&i'n c nside&'ti n. 'n 'ccident'l bu&i'l e2pense benefit +'1 be c nside&ed! It is c st efficient bec'use n fi2ed 'nnu'l insu&'nce p&e+iu+ 0ill be incu&&ed b1 t,e c +p'n1! 4u5'1 4u5'1 Minin( +'1 s'/e t,e '+ unt f ),p @#.###!## 'nnu'll1! 44MC en('(es in s+'ll sc'le +inin( 'cti/ities 0,e&e pe&'ti n f +'c,ine&ies 'nd e3uip+ents '&e li+ited unde& t,e l'0! Ou& pe&'ti n e2ists in 'n pen pit +inin(! T,e&ef &e. ' c,'nce f f't'l 'ccident t,'t 0 uld le'd t de't, f ' +ine& is /e&1 sli+ c +p'&ed 0it, ' tunnel t1pe +inin( pe&'ti n 0,ic, is + &e inclined t c ll'pse 'nd 'ccident'l de't,s! Rep &ts &e/e'led t,'t tunnel t1pe +inin( '&e + &e ,'A'&d us 'nd de'dl1! ;e. t,e&ef &e. st& n(l1 &ec ++end t,'t t,e 'ccident'l bu&i'l benefit be 'pp& /ed b1 t,e +'n'(e+ent!