عقود

1. Who is covered by statutory accident insurance in Germany?

Statutory accident insurance covers all employees, students, children in school, and volunteers engaged in certain voluntary activities. It also includes specific groups like farmers, civil defense workers, and emergency rescue personnel. Self-employed individuals and business owners can opt for voluntary coverage.

2. What benefits does statutory accident insurance provide?

Statutory accident insurance provides full medical treatment, injury benefits, and support for labor market participation. It also includes pensions for long-term disability, social participation assistance, and funeral benefits for surviving dependents.

3. What are the conditions for receiving injury benefits under accident insurance?

If an employee is unable to work due to an accident and their employer is not paying, they will receive injury benefits, which are 80% of their gross pay lost due to the injury. These benefits are provided for a maximum of 78 weeks.

4. What is labor market participation assistance?

Labor market participation assistance helps employees who cannot return to their previous job due to injury or occupational disease. It includes retraining, on-the-job training in a new role, and transitional allowances if necessary.

5. Does accident insurance cover social participation for injured employees?

Yes, accident insurance provides financial assistance for modifying the home or vehicle to suit the needs of the injured, along with additional services like home help, psychosocial counseling, and rehabilitative sports.

6. What is the pension for insured persons under accident insurance?

If an employee’s earning capacity is reduced by at least 20% due to a work-related accident or disease, they are entitled to a pension. The pension amount depends on the reduction in earning capacity and the income earned in the 12 months before the accident.

7. What is the long-term care allowance under accident insurance?

If an employee requires long-term care due to a work accident or occupational disease, they are entitled to long-term care benefits. The amount ranges from €374 to €1,941 (in western Germany) depending on the severity of the care needed.

8. What happens if an employee dies due to a work accident or occupational disease?

If an employee dies due to an accident at work or an occupational disease, their surviving dependents are entitled to a funeral allowance and a survivor’s pension. The amount of the survivor’s pension depends on the deceased’s income and the dependent's situation.

9. How are orphan’s pensions provided under accident insurance?

Orphan’s pensions are paid to children under 18 if the parent dies due to a work accident or occupational disease. The pension amount is 20% of the deceased’s income if one parent survives and 30% if both parents are deceased. The pension continues up to age 27 if the orphan is in school, vocational training, or unable to support themselves due to a disability.

10. What is a lump-sum settlement in case of long-term disability due to a work accident?

Employees who suffer a permanent reduction in earning capacity due to a work accident can apply for a lump-sum settlement. This settlement can be paid for life or for a specified period if the earning capacity reduction is less than 40%. The amount is determined based on the Net Present Value Ordinance and varies depending on age and accident timing.

Common Questions People Ask

1. What does employee accident insurance cover?
   Employee accident insurance in Germany covers medical treatment, injury benefits, retraining for new employment, pensions for permanent disability, and survivor’s benefits for dependents. It also includes rehabilitation and psychosocial support if necessary.
   
   
2. Is there workers' compensation insurance in Germany?
   Yes, Germany has statutory accident insurance, which serves as workers' compensation. It covers employees for injuries sustained at work or while commuting, including medical expenses, lost wages, and rehabilitation costs.
   
   
3. Should I take accident insurance at work?
   Statutory accident insurance is mandatory for all employees in Germany. It provides comprehensive coverage, including medical treatment, rehabilitation, and compensation for work-related injuries or diseases, so additional private insurance is typically not necessary.
   
   
4. What is accident insurance in Germany?
   Accident insurance in Germany is a statutory insurance program that provides coverage for employees in the event of a work-related accident or occupational disease. It covers medical treatment, lost wages, rehabilitation, and pensions for permanent disability or death due to work-related causes.