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1. Who is covered by statutory accident insurance in Germany?
Statutory accident insurance in Germany covers employees, students, schoolchildren, and volunteers in approved activities. Coverage in Germany also includes farmers, civil defense personnel, and emergency responders. Self-employed individuals and business owners in Germany may choose to join the statutory accident insurance system voluntarily.
2. What benefits does statutory accident insurance provide in Germany?
Statutory accident insurance in Germany provides full medical treatment, injury benefits, and support for returning to work. In Germany, it also includes disability pensions, assistance with social participation, rehabilitation services, and funeral benefits for surviving dependents following work-related accidents or occupational diseases.
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3. What are the conditions for receiving injury benefits under accident insurance in Germany?
In Germany, injury benefits are paid when an employee cannot work due to a work-related accident and the employer no longer pays wages. The benefit in Germany equals 80% of lost gross earnings and can be paid for up to 78 weeks.
4. What is labor market participation assistance in Germany?
Labor market participation assistance in Germany supports employees who cannot return to their previous job after a work accident or occupational disease. In Germany, this includes retraining, vocational programs, workplace reintegration, and transitional financial allowances where necessary.
5. Does accident insurance cover social participation for injured employees in Germany?
Yes, statutory accident insurance in Germany covers social participation support for injured employees. This includes financial assistance in Germany for home or vehicle adaptations, home care services, rehabilitative sports, and psychosocial counseling to support independent living and recovery.
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6. What is the pension for insured persons under accident insurance in Germany?
In Germany, insured employees receive a pension if their earning capacity is reduced by at least 20% due to a work accident or occupational disease. The pension amount in Germany depends on income before the accident and the degree of reduced earning capacity.
7. What is the long-term care allowance under accident insurance in Germany?
If long-term care is required due to a work accident or occupational disease, statutory accident insurance in Germany provides a care allowance. In Germany, the amount varies based on care needs and can range from €374 to €1,941 in western regions.
8. What happens if an employee dies due to a work accident or occupational disease in Germany?
If an employee dies due to a work accident or occupational disease in Germany, statutory accident insurance provides funeral benefits and survivor pensions. In Germany, survivor payments depend on the deceased employee’s income and the dependent’s legal status.
9. How are orphan’s pensions provided under accident insurance in Germany?
Orphan’s pensions in Germany are paid to children if a parent dies due to a work accident or occupational disease. In Germany, the pension equals 20% of income if one parent survives and 30% if both parents are deceased, continuing up to age 27 under qualifying conditions.
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10. What is a lump-sum settlement for long-term disability due to a work accident in Germany?
In Germany, employees with permanent earning capacity reduction from a work accident may apply for a lump-sum settlement. The settlement in Germany can be lifelong or time-limited and is calculated based on age, accident timing, and the Net Present Value Ordinance.
