DGUV, Berufsgenossenschaften and Unfallkassen – German Social Accident Insurance institutions for...

DGUV, Berufsgenossenschaften and Unfallkassen – German Social Accident Insurance institutions for

trade and industry and for the public sector

Dr. Sven TimmCentral Prevention Division of

German Social Accident Insurance (DGUV)Strategic Co-operation

Sankt Augustin, 6th December 2013

Dr. Sven Timm, DGUV, Germany

1. Role and Structure

2. Mandate and Responsibilities

3. Summary and Perspective

page 2


The different Social Insurance Schemes

• Health Insurance• Pension Insurance• Unemployment Insurance• Nursing Care Insurance

• Accident Insurance

financed through

contributions from employers and employees

contributions from employers


page 3


Contributions to German statutory social insurance schemes (percentages of gross income)

Health insuranceHealth insurance

Nursing care ins.Nursing care ins.

Old age insuranceOld age insurance

Unemployment ins.Unemployment ins.

Accident insuranceAccident insurance

14,9 % equal payment 1,0 % only employees

1,95 % equal payment+ 0,25 % childless empl.

19,9 % equal payment

2,8 % equal payment

1,31 % average, rating of risks


page 4


Social Accident Insurance InstitutionsLead organisation SVLFG for the agricultural and horticultural sector (responsible for ~1.5 million insured)

Lead organisation German Social Accident Insurance (DGUV), with members• 9 Social Accident Insurance institutions for industry and trade (Berufsgenossenschaften = BGs)

• 25 public sector Social Accident Insurance institutions (Unfallkassen = UK)

BGs and UKs are responsible for:• >75 million insured • 3,8 million companies


page 5


Lead institution of the public sector Lead institution of the public sectorBUK

Fusion of the lead institutions of the „industry and trade“ sector and the „public“ sector to „German Social Accident Insurance “ (DGUV)

Lead institution of the industry and trade sector Lead institution of the industry and trade sector

Fusion

01.06.2007


page 6

Dr. Sven Timm, DGUV, Germany page 7

The Berufsgenossenschaften and the Public Sector Social Accident Insurance institutions cover:

Whom?

• All employees • Children in day care

centers, schoolchildren, students

• Employers:- with spouse:

are compulsorily insured

- compulsory insurance by act of statute of the respective BG or public sector accident insurer, or

- voluntary insurance via application



The Berufsgenossenschaften and the Public Sector Social Accident Insurers cover:

• Occupational accidents

• Commuting accidents

• Occupational diseases



Employer’s Liability

Claim Employers/Institutions

Employees/students/ pupils / childrenin day care centers etc.

Indemnity

against lia

bilityEntitlement to

benefits

Contributio

ns


UK/BG


The German social accident insurance carriers are

public law bodies(non profit institutions, pay as you go scheme)

self administered by representatives of employers and employees

Mandatory membership für employers/enterprises

advantages for prevention efforts



EmployersEmployees

Representatives‘ Assembly(with joint representation)

elect

Board of Directors(with joint representation)

elects

Organizational Structure of the Members of the German Social Accident InsuranceBased on two principles: Autonomous administration and equal representation



Performance and service for employers and employees

On the employer‘s side• Release from liability • Legal and financial security in the long run• Protection against legal action• Social peace• Uniform system for all companies• Low-cost and efficient system

On the employee‘s side • Reliable protection in the case of health damage• Quick, competent and suitable services in the case of damage• Protection against legal action, taken e.g. by colleagues



Contributions• are entirely paid by employers

• average rate for all economic sectors: 1.31 % of a companies payroll (range from ~0.7 to ~8 %)

amount depends on*:

1. size of the payroll2. sector of industry3. risk class4. number and severity of accidents („performance“, surcharge and reduction process)

*(contribution scheme as applicable to the Berufsgenossenschaften)


Source: DGUV


Social Insurance contributions‘ long term development

19601970

19801990

20002002

0

5

10

15

20Pension ins.

Health ins.

Unemployment ins.

Nursing care ins.

BG



International comparison of contribution rates for Social Accident Insurance, rsp. Workers compensation / Employment Injury schemes / Employers‘ liability:


1.31%: Germany (public)

1.40%: Austria (public)

2.10%: Finland (private)

4.40%: Belgium - blue collar, (private/public)

2.00%: Belgium - white collar (private/public)

3.10%: Australia – NT (private)

1.55%: Australia – Queensland (public)!!! Contributions to social security or insurance schemes cover solely the indirect costs – the direct investments of the employer into OSH measures and into the follow-up of accidents and occ diseases have to be added!!!

1.31%: Germany (public)

1.40%: Austria (public)

2.10%: Finland (private)

4.40%: Belgium - blue collar, (private/public)

2.00%: Belgium - white collar (private/public)

3.10%: Australia – NT (private)

1.55%: Australia – Queensland (public)


Legal Mandate

The German Social Accident Insurance Institutions are to • prevent occupational accidents, occupational diseases and

work-related health hazards

• investigate their causes

• provide effective First Aid

• ease the effects of occupational accidents and occupational

diseases

„with all suitable means”



The „suitable means“ of the social accident insurance institutions: Services

Compensation(financial benefits)

billion € 5.8 *

Rehabilitation (medical benefits, occupational and

social rehabilitation)billion € 3.5 *

Prevention (preventive measures)

million € 911 *


A comprehensive

service

* 2010


Use of services

The members of the German Social Accident Insurance are guided by the principles of

• prevention before rehabilitation

• rehabilitation before compensation

by all appropriate means



Responsibilities and Targets of Rehabilitation

To restore

the health of the insured

Medical Rehabilitation



To support the insured with their

occupational reintegration

Occupational Rehabilitation



To support the insured with their

social reintegration

Social Rehabilitation


Responsibility of the Berufsgenossenschaften and Public Social Sector Accident Insurers

To co-ordinate and control all rehabilitation measures

To guarantee the insured a basic standard of living during rehabilitation (cash benefits e.g. injury benefits)



Services of Medical Rehabilitation

• Emergency treatment (First Aid)• Out-patient and in-patient treatment• Home nursing • Remedial treatment and aids



Medical clinic resouces• 600 BG-authorized clinics• 9 BG accident clinics• 2 BG clinics for occupational diseases• 1 BG accident treatment center• 4,389 beds (thereof 1,374 accident

surgery, 499 paraplegia, 62 fire victims)

Patients in 11 BG-Clinics (2010):• ~115,000 inhouse-patients• ~90,000 surgeries• ~335,000 ambulant patients

Services of Medical Rehabilitation



…and after medical treament?



Services of Occupational Rehabilitation

• Measures to find an apprenticeship• Measures to maintain the former employment or to find new employment• Initiation courses, further training, initial training, retraining• Reintegration subsidies for the employer• Assistance from a rehabilitation advisor



Services of Social Rehabilitation

• Driving aid• Accommodation aid• Counseling as well as social educational and psychosocial assistance• Housekeeping support• Rehabilitation sports



Responsibility and Aim of Compensation


To ease the financial consequences of occupational accidents and occupational diseases.

For the insured:• injury benefits during rehabilitation • temporary allowances during occupational

reintegration• injury pension, in case the

earning capacity is reduced by at least 20 percent ordisease pension


Responsibility and Aim of Compensation

To ease the financial consequences of occupational accidents and occupational diseases.

For their relatives • survivors’ benefits• death benefits



Performance

3. Performance


Expenses of the German Social Accident Insurance Institutions

(industry and trade & public sector; excl. agricultural sector) Payments, administrative and procedure costs in 2009 in billion Euro

Prevention: 0.92

Curative treatment & rehabilitation: 3.45

Financial compensation*: 5.57

Administration & procedures: 1.33

*(basically pensions and other benefits)∑ 11,3 billion €


ContributionsOn average stable contributions to the Berufsgenossenschaften not least because of successful prevention

Total amount of contributions in 2009: Euro 9.5 billion

1.36

1.46

1.281.31 1.33

1.31

0.00

0.20

0.40

0.60

0.80

1.00

1.20

1.40

1.60

1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009


Reportable occupational accidents per 1,000 equivalent full time employees

24.30

27.08

38.60

46.58 51.70

0

10

20

30

40

50

60

1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009


Reportable school accidents per 1,000 students

73.53

84.28

81.36

74.30

73.25

0

10

20

30

40

50

60

70

80

90

100

1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009

ILO-ITC, Turin, 29th November 2011Dr. Sven Timm, DGUV, Germany page 35

For more information:

German Social Accident Insurance

www.dguv.de (German/English)

E-Mail: [email protected]

http://www.dguv.de/

DGUV, Berufsgenossenschaften and Unfallkassen – German Social Accident Insurance institutions for...

Documents

Transcript of DGUV, Berufsgenossenschaften and Unfallkassen – German Social Accident Insurance institutions for...