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
Dr. Sven Timm, DGUV, Germany
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
1. Role and Structure
page 3
Dr. Sven Timm, DGUV, Germany
Contributions to German statutory social insurance schemes (percentages of gross income)
Health insurance
Nursing care ins.
Old age insurance
Unemployment ins.
Accident 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
1. Role and Structure
page 4
Dr. Sven Timm, DGUV, Germany
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
1. Role and Structure
page 5
Dr. Sven Timm, DGUV, Germany
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
Fusion
01.06.2007
1. Role and Structure
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
1. Role and Structure
Dr. Sven Timm, DGUV, Germany page 8
The Berufsgenossenschaften and the Public Sector Social Accident Insurers cover:
• Occupational accidents
• Commuting accidents
• Occupational diseases
1. Role and Structure
Dr. Sven Timm, DGUV, Germany page 9
Employer’s Liability
Claim Employers/Institutions
Employees/students/ pupils / childrenin day care centers etc.
Indemnity
against liabilityEntitlement to
benefits
Contributions
1. Role and Structure
UK/BG
Dr. Sven Timm, DGUV, Germany page 10
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
1. Role and Structure
Dr. Sven Timm, DGUV, Germany page 11
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
1. Role and Structure
Dr. Sven Timm, DGUV, Germany page 12
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
1. Role and Structure
Dr. Sven Timm, DGUV, Germany page 13
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)
1. Role and Structure
Source: DGUV
Dr. Sven Timm, DGUV, Germany page 14
Social Insurance contributions‘ long term development
1960 1970 1980 1990 20002002
0
5
10
15
20Pension ins.Health ins.Unemployment ins.Nursing care ins.BG
1. Role and Structure
Dr. Sven Timm, DGUV, Germany page 15
International comparison of contribution rates for Social Accident Insurance, rsp. Workers compensation / Employment Injury schemes / Employers‘ liability:
1. Role and Structure
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)
Dr. Sven Timm, DGUV, Germany page 16
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”
2. Mandate and Responsibilities
Dr. Sven Timm, DGUV, Germany page 17
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 *
2. Mandate and Responsibilities
A comprehensive
service
* 2010
Dr. Sven Timm, DGUV, Germany page 18
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
2. Mandate and Responsibilities
Dr. Sven Timm, DGUV, Germany page 19
Responsibilities and Targets of Rehabilitation
To restore the health of the insured
Medical Rehabilitation
Dr. Sven Timm, DGUV, Germany page 20
Responsibilities and Targets of Rehabilitation
To support the insured with their
occupational reintegration
Occupational Rehabilitation
Dr. Sven Timm, DGUV, Germany page 21
Responsibilities and Targets of Rehabilitation
To support the insured with their
social reintegration
Social Rehabilitation
Dr. Sven Timm, DGUV, Germany page 22
Responsibility of the Berufsgenossenschaften and Public Social Sector Accident Insurers
To co-ordinate and control all rehabilitation measuresTo guarantee the insured a basic standard of living during rehabilitation (cash benefits e.g. injury benefits)
2. Mandate and Responsibilities
Dr. Sven Timm, DGUV, Germany page 23
Services of Medical Rehabilitation
• Emergency treatment (First Aid)• Out-patient and in-patient treatment• Home nursing • Remedial treatment and aids
2. Mandate and Responsibilities
Dr. Sven Timm, DGUV, Germany page 24
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
2. Mandate and Responsibilities
Dr. Sven Timm, DGUV, Germany page 25
…and after medical treament?
2. Mandate and Responsibilities
Dr. Sven Timm, DGUV, Germany page 26
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
2. Mandate and Responsibilities
Dr. Sven Timm, DGUV, Germany page 27
Services of Social Rehabilitation
• Driving aid• Accommodation aid• Counseling as well as social educational and psychosocial assistance• Housekeeping support• Rehabilitation sports
2. Mandate and Responsibilities
Dr. Sven Timm, DGUV, Germany page 28
Responsibility and Aim of Compensation
2. Mandate and Responsibilities
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
Dr. Sven Timm, DGUV, Germany page 29
Responsibility and Aim of Compensation
To ease the financial consequences of occupational accidents and occupational diseases.For their relatives
• survivors’ benefits• death benefits
2. Mandate and Responsibilities
Dr. Sven Timm, DGUV, Germany page 30
Performance
3. Performance
Dr. Sven Timm, DGUV, Germany page 31
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 €
Dr. Sven Timm, DGUV, Germany page 32
ContributionsOn average stable contributions to the Berufsgenossenschaften not least because of successful prevention
Total amount of contributions in 2009: Euro 9.5 billion
1.361.46
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
Dr. Sven Timm, DGUV, Germany page 33
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
Dr. Sven Timm, DGUV, Germany page 34
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 Insurancewww.dguv.de (German/English)
E-Mail: [email protected]
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