Germany - Accident Insurance

Accident insurance

Enacted in 1884, the accident insurance program initially covered only accidents in the workplace. In 1925 occupational diseases also came to be covered. In the post-1945 era, cash and in-kind benefits such as rehabilitation and vocational training were expanded and improved. Travel to and from work is also now covered. If an accident leads to total disability, the injured person receives a pension amounting to 66 percent of the latest year's earnings. Survivor pensions can amount to a maximum of 80 percent of earnings. Disability pensions and survivors' benefits were indexed in 1957, that is, adjusted according to wage increases. In addition to covering members of the labor force, the plan also covers students and children; their coverage is paid for out of general tax revenues. Employers pay premiums for their employees; premiums amount to 1.44 percent of an employee's gross earnings. The self-employed are also able to enroll in the program.

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