[21] BG RCI-German Social Accident Insurance System_Helmut Ehnes

7/29/2019 [21] BG RCI-German Social Accident Insurance System_Helmut Ehnes

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Social Accident InsuranceSystem in Germany

Successful since125 years!

Helmut EhnesSAFETY FIRST - 2013 FORUM

Ulaanbaatar, Mongolia27 / 28 February 2013



3/14/2013SAFETY FIRST - 2013 FORUM, Ulaanbaatar, Mongolia

27 / 28 February 2013

Page 2

RISKS




27 / 28 February 2013

Page 3

every year

337 Millionaccidents at work




27 / 28 February 2013

Page 4

Foto:Polarlys/Bettenburg

every year

358.000fatal accidents at work


http://slidepdf.com/reader/full/21-bg-rci-german-social-accident-insurance-systemhelmut-ehnes 5/593/14/2013SAFETY FIRST - 2013 FORUM, Ulaanbaatar, Mongolia

27 / 28 February 2013

Page 5

every year

1.95 Million

fatal occupational diseases




27 / 28 F b 2013

Page 6

The InternationalLabour Organization (ILO)

requires Social Security byConventions.

Recommendations. Protocols.




27 / 28 F b 2013

Page 7

The International SocialSecurity Association (ISSA)

supports Countries and theirSocial Security Institutionsto meet those Aims.




27 / 28 F b 2013

Page 8

Social Accident InsuranceSystem in Germany

Successful since 125 years!




27 / 28 February 2013Page 9

Bismarck

founded theGerman Social

Insurance Systemin the 1880’s




27 / 28 February 2013Page 10STRUCTURE









AccidentInsurance

Contributionsfrom Employers

PensionsInsurance

Un-employment

Insurance

Nursingand CareInsurance

HealthInsurance

Contributions fromEmployers and Employees

German Social Insurance





Contributions fromEmployers and Employees

PensionsInsurance

HealthInsurance

Nursingand CareInsurance

Un-employment

Insurance

AccidentInsurance

German Social Insurance

Contributionsfrom Employers







ORGANIZATION





Organization of theSocial Accident Insurance

BG´s: Accident Insurance Institutionsfor Industry and Trade

Unfallkassen: Accident Insurance Institutionsfor the Public Sector

Agricultural Social Insurance





Construction

Energy

Health &Welfare

Trading

Sector Specific Organization of the BG´s

Traffic &

TransportMetal & Wood

Administration

Mining &Chemicals

Food & Hotels





health andwelfare services

Sector Specific Organization of the BG´s

Construction

Energy

Health &Welfare

Trading

Traffic &

TransportMetal & Wood

Administration

Mining &Chemicals

Food & Hotels





MEMBERSHIP





Every Employer has to be a Memberof the Social Accident Insurance





EmployersEmployees

The Liability Principle





SOCIALPARTNERS





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





EmployersEmployees

Representatives Council

elect

Board

elect

Institutions of Self-Government





Responsibilities of theRepresentatives Council

• Election of the Board

•

Election of the Management • Statutes

• Accident Prevention Regulations

• Risk Index

• Budget Plan• Staff Plan





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





INSURANCECASES





• Occupational Accidents• Commuting Accidents

• Occupational Diseases

What is insured ?





INSUREDPERSONS





Who is insured?

• All Employees

• Employers from SME´sin High-Risk Industries

• Employers on aVoluntary Basis





SERVICES





3 CoreServices

A

ComprehensiveService

Prevention

Rehabilitation Compensation





PRINCIPLES





• Prevention before

Rehabilitation• Rehabilitation before

Compensation

• Use all Suitable Means

Guiding Principles





PREVENTIONSERVICES





• Consulting and Inspection

• Prevention Regulations

•

Training and Qualification• Occupational Medicine

• Testing and Certification

•

Incentives• Information and Communication

Prevention Services





Rehabilitation Services

•First Aid / Emergency Treatment

•Medical Rehabilitation

•Occupational Reintegration•Social Reintegration

•Quality of Rehabilitation Process

•Home-Nursing

•Medical Treatment and Aids





Compensation Services

• Injury Benefits(during Medical Treatment andOccupational Rehabilitation)

• Pension Payments for Insured

• Pension Payments for Family Survivors





FINANCING





Financing Principles

•BG´s are Non-ProfitOrganisations

•Employers pay 100 % ofContributions

•Contributions are calculatedbasing on the Expenses of the

Previous Year





Calculation

of Contributions

• Its Risk Class

• Its Total Wages paid toEmployees

•The Total Expenses of theAccident Insurance

The Contribution of anEnterprise depends on:





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)





RESULTS





Costs of the German Social Accident Insurance(10 Billion Euros)

Administration

10%

Prevention

10%

80%

Rehabilitation,

Compensation





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





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





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



Reportable Accidents per 1,000 Employees



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





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





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





WINNERS





Benefits for Employers

• No Claims from Employees

• Rehabilitation and Compensation paid by BG

•

Successful Prevention creates better Quality,better Image, reduced Costs and Contributions





Benefits for Employees

• Compensation and Rehabilitation is guaranteed

• Economic Security for the Family

•

Best Rehabilitation guaranteed• Reduced Risk for Work Accident or Disease





Benefits for Social Partners

• Solve their own problems

• Guide the work of Accident Insurance

•

Decide on Investment for Prevention





Benefits for the Government

• Profits from a Self-financing System

• Support for State Labour Inspection

•

Profits from a transparent Insurance System





CONCLUSION







• By an independent Social Accident

Insurance

• Run by Employers and Employees

• Caring for Compensation

• Caring for Rehabilitation and

•

Caring for PREVENTION !



14 March 2013

Dipl.-Ing. Helmut Ehnes

Thank you!

Helmut Ehnes

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[21] BG RCI-German Social Accident Insurance System_Helmut Ehnes