The German professional associations are the social security institution responsible for the legal accident insurance. They want to help to prevent work-conditioned health dangers (industrial safety, prevention, also by the and editions to the employers). They insure working persons against the consequences of industrial accidents and occupational illnesses. The professional associations are as gesetzl. prescribed social security bodies of the public right.

One differentiates between the commercial professional associations in such a way specified and the agricultural professional associations.

Tasks

The professional associations (BG) have the task,

• Way and industrial accidents, occupational illnesses and work-caused health dangers with all suitable means to prevent (prevention). This happens through

- Issuing rules for the prevention of accidents UVV and the monitoring their observance

- Support of the entrepreneurs during the guarantee of industrial safety and Gesundheitschutz through

Issued from BG-regulations to prevention BGV

Issued from BG-rules to prevention BGR

Publish from BG-information to prevention BGI

Training and training of safety representatives

Training and training of personnel decision makers

Training and training of specialists for industrial safety

• Health and efficiency of the insured ones after an industrial accident or the entrance of an occupational illness with all suitable means to restore (rehablitation). With by the legislator (not by the professional associations) fixed the occupational illnesses there is the possibility achievements to already furnish however for the prevention of the entrance or the aggravation of an occupational illness.
  • Welfare treatment (physician, medicines, hospitalization,"…)
  • Hurting money (as payment indemnification)
  • Measures to the sharing at the working life (reintegration in the working life by adjustment of the job, switching on the accident sequences appropriate a job, possibly re-education)
• Versicherte or their survivor if necessary financially by payments in cash to compensate (compensation).
  • Hurting pension (with reduction of the earning power)
  • Care, as soon as the Versicherte is not by the consequences of the industrial accident/the occupational illness any more able the regular performing of the daily life (e.g. Wash, food preparation and - income to accomplish etc.) independently. This can take place by means of position of a care strength, accommodation in a suitable nursing home or payment of a care money, if the insuring and its members want to worry independently about the care.
  • further achievements: e.g. Blind leading money, remuneration for dress and laundry multi-wear
  • Survivor's pension (widow, widower, orphan's annuity and in rare cases also Elternrente)
  • Death benefit (financial subsidy for funeral])
  • Aids to survivors under certain conditions

After entrance of the accident (work, way accident or occupational illness) the professional association takes over the costs of the welfare treatment, aid, medicines.

An industrial accident is not automatically each accident, which occurs with the work or on the way to or of the place of the insured activity. There is no formula: Accident with the work or on working premises (or the way"…) = industrial accident. Rather must be responsible the insured activity under certain, among other things by the iurisdiction developed criteria for the entrance of the accident. Here there is a multiplicity of individual cases and characteristics.

Also an illness, which arises in connection with the work, is not automatically an occupational illness. The legislator - and not the accident insurance carriers - publishes a list of certain illnesses sorted according to damages (e.g. chemical materials), which are applicable as occupational illness. To some (e.g. during asbestos effect) thereby a minimum at damaging effect, to others is attached an obligation to the task of the vocational activity exercised so far (e.g. with skin diseases). This list is provided by a committee by expert, who delivers also recommendations to the Federal Government, which illnesses should be taken up to the list. Certain illnesses can be compensated then like an occupational illness. They stand thus not yet explicitly on the list, fulfill however determined other criteria.

With the whereabouts of a reduction of the earning power (MdE) in pension-entitling height (starting from 20%) also by a pension and other payments in cash at the insured ones. If an insuring has however already an industrial accident with a MdE ith H. v. 10 per cent - all the same with which carrier of the legal accident insurance - and it steps a new accident in addition, there is so-called supporting facts. Example: Two different accidents with in each case a MdE of 10 per cent: Both pensions are disbursed after the MdE 10 per cent. The requirements support themselves. One is omitted by improvement, ends also the other one.

The estimate of the MdE takes place via the professional association. It avails itself thereby of collected empirical values and can deviate quite also from the estimate of a medical consultant. The MdE is not a "“bone tax"” as in the private insurance industry. Here a contract over certain achievements is locked with certain body damage (e.g. Loss of a finger = X % of the insured sum - regardless of the age, the occupation and the size of the actual function loss). With the statement of the MdE in particular the function loss is considered. So it can occur that two different Versicherte with the same injury have differently high reductions of the earning power. On the pension achievement so far no income charge takes place. Only the carrier of the legal old age pension insurance considers a "“BG-pension"” with its achievement as income.

The survivor achievements compute themselves not after an individual height like the MdE, but after firm percentages are paid. On these achievements however income with a certain percentage (legally specified for different types of revenue) is taken into account, if it exceeds a certain free allowance.

Basis for the capacity rating is the annual salary (JAV). This amounts to 2/3 of the entire earned income of the twelve calendar months the month ago, in which the accident occurred. For entrepreneurs thereby special regulations, like the fact exist that their achievements depend on a statutory specified insured sum.

Professional associations do not obtain a profit. The substantial decisions are made through in equal numbers with employer and insuring representatives occupied committees, the executive committee and the representative meeting.

Employing are DO employees (similar to the federal official right), if it sovereign task truely take, and employees of the public service. Increased by the general savings obligation employees are employed after the tariff of the public service. The number of hours worked per week amounts to with the employees 38.5 hours, with the DO employees (=Beamte) 41 hours since 1." March 2006.

Financing

The professional associations finance themselves from the contributions of the entrepreneurs/employers in form of the additional satisfaction of requirements (allocation procedure). Employees do not pay contributions contrary to the other social security (legal old age pension insurance, unemployment insurance, health insurance, nursing care insurance). The entrepreneurs carry the loads for accident insurance according to the adhesion replacement principle in themselves, because they are from the entrepreneur liability in principle exempted (exception when deliberate damage the insured one, "§"§ 104 FF. SGB VII).

The height of the contributions depends thereby on the average danger of accident in the respective industry, in which an entrepreneur the emphasis is active after its activity. In the danger tariffs of the professional associations by the representative meetings danger classes are determined for all branches of industry, for which a professional association is responsible after "§ 122 SGB VII and which correspond to the danger of accident of the branches of industry to each other in the relationship. The financing on the basis of danger-adequate danger classes serves the prevention of industrial accidents and occupational illnesses, because it disburses itself in such a way for the entrepreneur noticeably to prevent dangers.

The contributions are up to the reunification (introduction of the reallocation of the GDR refuse dumps), constantly please. Starting from this time it came depending upon professional association to a very different development. They amount at present to on the average about 1.4 per cent of the gross wage sum. In individual industries they lie however due to sinking employment figures with equal lasting costs of the old cases and GDR refuse dump reallocation with the multiples its. Since 2003 this development appears on broad front. The contribution load per busy one increases, because the total loads are to be put down on less person employed. In the course its is increasingly more sharply discussed also the capacity of the legal accident insurance. Not only of the employers it is denounced that also moonlighters are insured, although no contributions are paid. Likewise in the discussion is the collateral insurance of way accidents.

The professional associations are supervised by the Federal Insurance Office as well as the Federal Ministry for work and social.

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