Calculate the BG pension
Insurance companies initiate and finance medical treatment and rehabilitation measures with the aim of ensuring that the insured can participate in working life without restrictions. If this is not the case and there is a permanent reduction in earning capacity, the employers' liability insurance association (BG) or accident insurance funds pay a pension. For the calculation of the BG pension, the annual earnings in the year before the accident at work / occupational disease play a major role.
In order for pensions to be paid by the accident insurance funds or professional associations, there must be a permanent reduction in earning capacity, the minimum amount of which is 20 percent. If there is a reduction in earning capacity of less than 20 percent due to an occupational disease or accident at work or commuting, the form of compensation does not apply pension.
Employer's liability insurance association (BG) - start of pension payments in the event of disability of 20 percent
- In Germany, employees are by the statutory Accident insurance secured. For the German private sector (companies and employees), the trade associations assume the role of the statutory accident insurance provider. People who work in agriculture are covered by the agricultural employers' liability insurance association.
- A permanent reduction in earning capacity must be at least 20 percent and for a respective one Insured event for more than half a year, so that the BG a pension for accident injured and Occupational sick pays.
- Similar to private accident insurance, the employers' liability insurance association relies on the so-called link tax to weigh damage to individual body parts. However, statutory accident protection does not begin until a degree of disability of 20 percent has been reached.
- For example, if you squeeze your index finger, this will result in a maximum disability of 10 percent. In order to achieve a disability of 20 percent, it would have to be at least the thumb.
Some jobs lead to occupational diseases. In others, work is dangerous enough ...
How is the BG pension calculated?
The BG pension begins immediately after rehabilitation, when the ability to work has been restored. If there are no claims to injury benefits, pension payments begin immediately after the accident at work or the occupational disease occurs.
- For the determination of the pension amount, on the one hand the degree of reduction in earning capacity and on the other hand others the annual earnings in the 12 calendar months preceding the insured event considered.
- A medical expert determines the reduced earning capacity. Functional losses are not made dependent on a specific activity. The loss of earning capacity is always 60 percent when a hand is lost.
- The annual earnings include the gross amount of all earnings. This allows the economic and social circumstances of the injured person to be reflected in the year prior to the insured event.
- The full pension (reduced earning capacity 100 percent) is two thirds of the annual earnings. If the reduced earning capacity is below 100 percent, part of the full pension is paid as the BG pension.
The insured person's pension can be determined in this way. For a full pension, you deduct two thirds of your gross annual income from main and secondary employment. Divide the annual amount by 12. This is how you get the monthly amount. If the earning capacity is 20 percent, the partial pension to be paid is 20 percent of the full pension.
