Correctly apply for an accident pension from the employers' liability insurance association

Basics for an accident pension

If you happen to have an accident through no fault of your own while you are at work, it is really bad that you can no longer do your job. In doing so, you should not suffer any financial damage.

• For this reason, you will first receive an injury benefit from the employers' liability insurance association, which corresponds to your normal earnings minus social security contributions.

• As the wages are usually paid for a period of six weeks, you will only receive the injury benefit after this period. Payment of the injury benefit will be made when you return to work or when you return to work. after completion of a possible retraining or after 78 weeks at the latest.
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• If there is a disability of at least 20 percent and this continues due to the accident, you will receive an accident pension from the employers' liability insurance association after this period has expired.

In the event of an accident at work, the trade association takes action

• The amount of the accident pension depends on the severity of the disability. If a permanent disability has been determined, you will receive an accident pension in the amount of 60 percent of your previous monthly standard income.


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• However, if the incapacity for work has only been determined to a certain extent, you will only receive a partial pension, which corresponds to the percentage of the full pension. The same procedure applies to employees with marginal employment.

• If the employers' liability insurance association or If the responsible appraiser gives you the opportunity to practice another full-fledged profession, the trade association will take over all of the necessary for this costs.
• During the retraining period, you will receive a transition allowance equal to 80 percent of your net income. This creates a financial gap for you, but the amount is prescribed by law. You will receive this transition allowance up to one month after completing your retraining.

You must submit an application for an accident pension to your responsible professional association, as each association has its own guidelines. But this is only a matter of form, as there is a considerable disability and this is on record.