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Receiving injury benefit from the statutory accident insurance


In the event of an insured event in the statutory accident insurance, i.e. in the event of an accident at work or an occupational disease, you will receive injury benefit if you are unable to work.

The injury benefit compensates for your lost income and ensures your livelihood and that of your relatives. It is calculated individually based on your regular income.

You don't need to apply. Your employers' liability insurance association or accident insurance fund examines possible claims on its own initiative ("ex officio") and arranges for the payment to be made. It is paid monthly as long as you are unable to work, i.e. you are on sick leave from your doctor.

The amount of injury compensation depends on your situation:

  • As a rule, the injury benefit amounts to 80 percent of your regular salary and income. However, it must not be higher than your regular net salary.
  • If you continue to earn money while receiving injury benefit, your earned income will be credited to the injury benefit. This means that the injury benefit is reduced in this case.
  • If you are not employed, but had an income from work before the start of the incapacity for work, there is a different procedure. In this case, the 360th part of the earned income that you earned in the calendar year before the start of the incapacity for work serves as the basis for calculating the injury benefit.
  • Your contributions to pensions and unemployment insurance are deducted from your injury benefit. As long as you receive injury benefits, your employers' liability insurance association or accident insurance fund will pay the other social security contributions. If you are a member of a professional pension scheme, your employers' liability insurance association or accident insurance fund will pay your share of the social security contributions upon application. This is the case, for example, with doctors and notaries.

If you are entitled to a subsidy from your employer for private health and long-term care insurance contributions, this will be covered.

Process flow

You do not have to apply for injury benefit.

  • The benefits of the statutory accident insurance are generally determined ex officio.
  • Your employers' liability insurance association or accident insurance fund will determine the amount of benefits from persons who are entitled to the benefit themselves.
  • If you are eligible, you will receive a notification to this effect.

You can send a message online to your employers' liability insurance association or accident insurance fund if you have any questions.

Online Service:

  • Go to the online service.
  • You will be guided through the procedure on the accident insurance service portal.
  • You can sign up.
    • If you would like to receive the answer from your employers' liability insurance association or accident insurance fund in the mailbox of your BundID account or My company account, you must have an account and authenticate yourself.
    • If you would like to receive the answer by post, you can continue without registering.
  • Select your responsible employers' liability insurance association or accident insurance fund or find out more using the industry search.
  • Upload the required documents.
  • Fill out the online form and submit it.
  • Your report will be automatically forwarded to your employers' liability insurance association or accident insurance fund.
  • You will receive feedback in the desired way.

Online service of your employers' liability insurance association or accident insurance fund:

  • If you have access to the portal of your employers' liability insurance association or accident insurance fund, you may also be able to submit the report there electronically.

Message by mail:

  • Please send an informal letter to your employers' liability insurance association or accident insurance fund.
  • Pay attention to the required information and enclose the necessary documents.

Requirements

  • You will receive injury benefit from the statutory accident insurance if you are unable to work due to an insured event.
  • Insured events include accidents at work, commuting accidents and occupational diseases.

Which documents are required?

You don't need to submit any documents.

What are the fees?

There are no costs.

What deadlines do I have to pay attention to?

none

Processing duration

The employers' liability insurance association or accident insurance fund will begin the investigation and processing as soon as it is foreseeable that injury benefits must be paid. As a result, there are usually no gaps between earned income, continued payment of wages and injury benefits.

Applications / forms

Forms available: No

Written form required: No

Informal application possible: No

Personal appearance required: No

Online services available: Yes

Appeal

  • Contradiction
  • Detailed information on how to file an objection can be found in the notice issued by your employers' liability insurance association or accident insurance fund.

Technically approved by

Federal Ministry of Labour and Social Affairs (BMAS)

Professionally released on

12.01.2023

Author

The text was automatically translated based on the German content.

Source: Serviceportal Niedersachsen (Portalverbund des Bundes und der Länder)