German Statutory Accident Insurance
In 1871, the German Empire was founded again at the end of the Old Franco-Prussian War Prussian Chancellor Otto von Bismarck now chancellor of the new German Empire, introduced the very progressive social legislation by the standards of Europe at 5, 6.
Insurance against accidents at work has been created in Germany by law in 1884 The agencies provide this type of insurance are the industrial and agricultural employers liability fund and insurance fund against the public sector accident which include both a municipal accident insurance association and other funds in the accident liability fund employers are organized by industry, insurance, public sector funds most accidents are organized regionally 1 , 2, 3.
The accident insurance funds are governed self-administration with equal representation between employers spread entrepreneurs and employees of self-governing bodies are the Assembly and the Executive Board member This ensures that the interests of all participants are represented.
The legal basis for insurance against accidents at work is formed by the Social Code, particularly the book SGB VII VII 1, 2, 3.
Insurance for legal work accidents is among the oldest branches of the German Social Insurance In contrast to health, long-term care pension and unemployment insurance, insurance against legal labor accidents free for the insured full insurance coverage costs for prevention, rehabilitation are borne by employers for public sector jobs, federal, provincial and municipal governments bear the costs.
Contribution rates are determinates under the pay-as-you-go principle, on the basis of expenditure in previous years This means that at the end of each year the funds provided by the accident insurance law allocate their spending between member companies the basis is formed by the actual financing needs, namely the amount of the allowance to set aside, wages and salaries of the insured and the hazard class of the particular industry concerned funds insurance associations of municipal accident and accidents, contributions are based on the population, the number of insured persons or wages and salaries 1, 2, 3.
Every year, some 1.4 million accidents of the Federal Republic of Germany concerning employees who either work or on their way They work were joined by about 18 000 cases of recognized occupational diseases and about 1, 5 million accidents school for those affected, the consequences often lead to major changes in their lifestyle Restoring the health of these people and, to the extent possible, their ability to work is the task of compulsory accident insurance.
All employees and trainees are covered by accident insurance of legal work in industry and agriculture of the insurance fund liability of the employer Berufsgenossenschaften are responsible for insurance against accidents providing coverage in public sector insurance associations of municipal Gemeindeunfallversicherungsverbände accidents and other accidents public sector funds.
Cover is provided for accidents at work or at school or on the way to work or school and for occupational diseases 1, 2, 3.
Insurance statutory accidents mission to undertake measures to prevent accidents related to employment and diseases, and to protect workers on the risks bunch In cases where accidents or diseases occur, accident insurance provides assistance in restoring health and work capacity of the persons concerned and compensation to insured persons or their persons or their survivors through the provision of cash benefits.
The main mission of the compulsory insurance of accidents according to the law is the use of all means at its disposal to prevent accidents and illnesses occur in the first place and to minimize the risks associated with the potential job the focus is on advising companies in all areas relating to industrial safety and health This includes providing employers and employees with complete instructions and guidelines, as well as international media agencies 'accident insurance also hold free information, motivational events on the theme of safety 1, 3.
If an insured person has an accident or suffers from an occupational disease, accident insurance compulsory labor cover the costs resulting That means the insurance fund offers the best medical rehabilitation, vocational and social as possible, so that financial compensation where appropriate.
In case of accident or illness, accident insurance legal work provides for the payment of a full medical treatment helps professional integration, for example, recycling, support for social integration and additional help and cash benefits to the insured and their surviving independent.
The priority of the accident insurance fund is to restore health and ability to work the person insured pensions are paid to fund only members when it is impossible to fully restore their ability to work, ie for those whose ability to gain is reduced at least 20 percent 1, 3.
German Statutory Accident Insurance, German, legal, accident insurance.