What services are included in statutory accident insurance?
July 28, 2022 | 50,00 EUR | answered by Friedhelm Schröter
Dear Social Security Lawyer,
I am reaching out to you as I have some questions regarding statutory accident insurance. My name is Marcus Rapp, and I work as a craftsman in a small company. Recently, I got injured at work and am now unable to work due to my injury. I have already heard from my employer that statutory accident insurance should step in to financially support me.
However, I am not sure what benefits statutory accident insurance actually covers and to what extent it can assist me. I am concerned that my loss of income due to my inability to work could become too great, and I am wondering if statutory accident insurance also includes benefits for rehabilitation or medical care.
Could you please explain to me in more detail what benefits statutory accident insurance covers and whether I am entitled to financial support, medical treatments, or rehabilitation measures? Are there specific requirements that I need to meet in order to receive benefits from statutory accident insurance? And for how long can I avail of these benefits?
Thank you in advance for your assistance, and I look forward to hearing from you.
Sincerely,
Marcus Rapp
Dear Mr. Rapp,
Thank you for your inquiry regarding statutory accident insurance. As a lawyer specializing in social security law, I am happy to assist you in clarifying your questions.
Statutory accident insurance is a mandatory insurance for all employees in Germany and serves to protect workers in the event of work-related accidents or occupational diseases. It includes a variety of benefits aimed at mitigating the consequences of work-related accidents or occupational diseases and reintegrating those affected back into the workforce.
Some of the benefits of statutory accident insurance include:
1. Payment of injury benefits: If you are unable to work due to a work-related accident, you are entitled to injury benefits. These benefits typically correspond to the net wage you were receiving before the accident.
2. Medical treatment: Statutory accident insurance covers the costs of necessary medical treatments required for recovery. This includes doctor's visits, medications, physiotherapy, and rehabilitation measures.
3. Pension benefits: If the disability is permanent and there is a loss of earning capacity, you may be entitled to a pension from statutory accident insurance.
4. Vocational rehabilitation: Statutory accident insurance also supports you in vocational rehabilitation to facilitate your return to the job market. This may include retraining or measures to reintegrate into the workforce.
To receive benefits from statutory accident insurance, you must report the accident or occupational disease to your employer immediately and file a claim for benefits. It is also important that the accident occurred during your insured activity and there is a connection between the accident and your inability to work.
The duration for which you can receive benefits from statutory accident insurance varies from case to case and depends on the severity of the injury, the recovery process, and other factors. Typically, benefits are paid until you are able to work again or there is a loss of earning capacity.
I hope this information has been helpful to you. If you have any further questions or require legal assistance, please do not hesitate to contact me.
Sincerely,
Friedhelm Schröter
Lawyer specializing in social security law
