Accident insurance

If you as an employee have suffered health damage or died during the performance of work or in direct connection therewith as a result of an accident (working injury and occupational disease), the liability for damage thus incurred lies with the employer with whom the employee had an employment relationship at the time of the occupational accident. The employer is obliged to compensate an employee who suffers harm at least to the extent to which he/she is liable for the harm.

An employee who, as a result of a working injury or occupational disease is acknowledged as being temporarily unfit for work, is entitled to an accident supplement (as a salary compensation) from the first day of temporary incapacity for work if he/she receives sickness benefits under a sickness insurance scheme. The accident supplement is paid per days.

The employee who sustains an injury is entitled to injury annuity payments if, as a result of an industrial accident or occupational disease, his/her capacity to perform the work that he/she had performed before the injury has been diminished by more than 40 %.

The injured employee is entitled to a lump sum compensation if, as a result of an industrial accident or occupational disease, his/her capacity to work has been reduced by not more than 40 %, but more than 10 %, even if the entitlement to injury annuity has lapsed, provided that the reduction of capacity for work is at least 10 %.

Employers must take out compulsory accident insurance (as from the date on which they start employing at least 1 employee), but insurance benefits go to the employee concerned or an authorised person.