Social Accident Insurance System in Germany Successful since 125 years! Helmut Ehnes SAFETY FIRST - 2013 FORUM Ulaanbaatar, Mongolia 27 / 28 February 2013
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Social Accident InsuranceSystem in Germany
Successful since125 years!
Helmut EhnesSAFETY FIRST - 2013 FORUM
Ulaanbaatar, Mongolia27 / 28 February 2013
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RISKS
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every year
337 Millionaccidents at work
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Foto:Polarlys/Bettenburg
every year
358.000fatal accidents at work
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every year
1.95 Million
fatal occupational diseases
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The InternationalLabour Organization (ILO)
requires Social Security byConventions.
Recommendations. Protocols.
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The International SocialSecurity Association (ISSA)
supports Countries and theirSocial Security Institutionsto meet those Aims.
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Social Accident InsuranceSystem in Germany
Successful since 125 years!
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Bismarck
founded theGerman Social
Insurance Systemin the 1880’s
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AccidentInsurance
Contributionsfrom Employers
PensionsInsurance
Un-employment
Insurance
Nursingand CareInsurance
HealthInsurance
Contributions fromEmployers and Employees
German Social Insurance
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Contributions fromEmployers and Employees
PensionsInsurance
HealthInsurance
Nursingand CareInsurance
Un-employment
Insurance
AccidentInsurance
German Social Insurance
Contributionsfrom Employers
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ORGANIZATION
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Organization of theSocial Accident Insurance
BG´s: Accident Insurance Institutionsfor Industry and Trade
Unfallkassen: Accident Insurance Institutionsfor the Public Sector
Agricultural Social Insurance
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Construction
Energy
Health &Welfare
Trading
Sector Specific Organization of the BG´s
Traffic &
TransportMetal & Wood
Administration
Mining &Chemicals
Food & Hotels
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health andwelfare services
Sector Specific Organization of the BG´s
Construction
Energy
Health &Welfare
Trading
Traffic &
TransportMetal & Wood
Administration
Mining &Chemicals
Food & Hotels
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MEMBERSHIP
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Every Employer has to be a Memberof the Social Accident Insurance
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EmployersEmployees
The Liability Principle
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SOCIALPARTNERS
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Responsibility of the Social Partners(Self-Government)
• Independent self-governing body
• Assembled equally by employersand employees
• Controls and supervises theadministration of the social
accident insurance• Reports to the government
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EmployersEmployees
Representatives Council
elect
Board
elect
Institutions of Self-Government
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Responsibilities of theRepresentatives Council
• Election of the Board
•
Election of the Management • Statutes
• Accident Prevention Regulations
• Risk Index
• Budget Plan• Staff Plan
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Responsibilities of the Board
• Prepares Resolutions of theRepresentative Council
• Draws up the Budget Plan
• Defines the Staff Planning
• Representation of the BG
•Monitors the Management
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INSURANCECASES
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• Occupational Accidents• Commuting Accidents
• Occupational Diseases
What is insured ?
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INSUREDPERSONS
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Who is insured?
• All Employees
• Employers from SME´sin High-Risk Industries
• Employers on aVoluntary Basis
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SERVICES
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3 CoreServices
A
ComprehensiveService
Prevention
Rehabilitation Compensation
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PRINCIPLES
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• Prevention before
Rehabilitation• Rehabilitation before
Compensation
• Use all Suitable Means
Guiding Principles
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PREVENTIONSERVICES
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• Consulting and Inspection
• Prevention Regulations
•
Training and Qualification• Occupational Medicine
• Testing and Certification
•
Incentives• Information and Communication
Prevention Services
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Rehabilitation Services
•First Aid / Emergency Treatment
•Medical Rehabilitation
•Occupational Reintegration•Social Reintegration
•Quality of Rehabilitation Process
•Home-Nursing
•Medical Treatment and Aids
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Compensation Services
• Injury Benefits(during Medical Treatment andOccupational Rehabilitation)
• Pension Payments for Insured
• Pension Payments for Family Survivors
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FINANCING
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Financing Principles
•BG´s are Non-ProfitOrganisations
•Employers pay 100 % ofContributions
•Contributions are calculatedbasing on the Expenses of the
Previous Year
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Calculation
of Contributions
• Its Risk Class
• Its Total Wages paid toEmployees
•The Total Expenses of theAccident Insurance
The Contribution of anEnterprise depends on:
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Motivation for Preventionby Calculation of theContributions
•Trades tend to reduce theirSector-Specific Risk Class
•Enterprises tend to avoidMalus Payments and toreceive a Bonus (IndividualBonus / Malus System)
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RESULTS
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Costs of the German Social Accident Insurance(10 Billion Euros)
Administration
10%
Prevention
10%
80%
Rehabilitation,
Compensation
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Contributions
The Average Contribution is stable: 1.3% of the Wages !
1,46 1,36 1,28
1,32 1,33 1,31
0,00
0,20
0,40
0,60
0,80
1,00
1,20
1,40
1,60
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Fatal Accidents
498 656
918
1326 1208
394 552
794 911
694
0
200
400
600
800
1000
1200
1400
1600
Fatal OccupationalAccidents
Fatal CommutingAccidents
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Reportable Accidents
1,495,569
1,651,481
1,380,289
931,932 919,025
0
200,000
400,000
600,000
800,000
1,000,000
1,200,000
1,400,000
1,600,000
1,800,000
2,000,000
1990 1992 1994 1996 1998 2000 2002 2004 2006 2008 2010 2011
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Reportable Accidents per 1,000 Employees
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51.70
46.58
38.60
24.5227.08
0.00
10.00
20.00
30.00
40.00
50.00
60.00
1990 1992 1994 1996 1998 2000 2002 2004 2006 2008 2010 2011
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New Pensions for Occupational Accidents
and Commuting Accidents
33,016 37,809
24,903
19,237 15,740
8,289 11,001
8,082 7,001 5,951
0
5,000
10,000
15,000
20,000
25,000
30,000
35,000
40,000
45,000
1990 1992 1994 1996 1998 2000 2002 2004 2006 2008 2010 2011
Occupational Accidents
Commuting Accidents
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New Pensions per 1,000 Employees
1.141
1.066
0.696
0.559
0.420
0.267 0.2740.200 0.179
0.137
0.0
0.2
0.4
0.6
0.8
1.0
1.2
1990 1992 1994 1996 1998 2000 2002 2004 2006 2008 2010 2011
Occupational Accidents
Commuting Accidents
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WINNERS
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Benefits for Employers
• No Claims from Employees
• Rehabilitation and Compensation paid by BG
•
Successful Prevention creates better Quality,better Image, reduced Costs and Contributions
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Benefits for Employees
• Compensation and Rehabilitation is guaranteed
• Economic Security for the Family
•
Best Rehabilitation guaranteed• Reduced Risk for Work Accident or Disease
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Benefits for Social Partners
• Solve their own problems
• Guide the work of Accident Insurance
•
Decide on Investment for Prevention
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Benefits for the Government
• Profits from a Self-financing System
• Support for State Labour Inspection
•
Profits from a transparent Insurance System
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CONCLUSION
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• By an independent Social Accident
Insurance
• Run by Employers and Employees
• Caring for Compensation
• Caring for Rehabilitation and
•
Caring for PREVENTION !