How much can you get in the event of an accident?

Employees are entitled to occupational accident insurance, including trainees. Check out what it involves and how much you're entitled to in the event of an accident.

Accidents at work can occur during the working day or on the journey between the workplace and home and result in an inability to carry out one's work as a result of bodily injury, functional disorder or illness. In this context, it is important for all workers to understand who is protected by this insurance and what the conditions and amounts are.

First of all, it's important to bear in mind that all employees are entitled to occupational accident insurance. This insurance is paid for by the company and there are no exceptions - trainees and apprentices are also covered by it. Even self-employed workers are obliged to take out occupational accident insurance. However, the law makes an exception for those whose work is only for their own consumption or that of their family.

There are three types of incapacity for work resulting from accidents at work: temporary, permanent and absolute for all work.

In the event of temporary incapacity, compensation is paid for as long as you are undergoing outpatient treatment or professional rehabilitation. If the temporary incapacity is absolute, the daily compensation is equal to 70% of the salary in the first twelve months and 75% in the following period. However, if the temporary incapacity is partial, the daily compensation corresponds to 70% of the reduction in your general earning capacity.

The law also stipulates that, in the case of partial permanent incapacity, the amount varies according to the reduction in capacity resulting from the accident (70%). In the case of absolute permanent incapacity for the usual work, the worker is entitled to a percentage that varies between 50% and 70% of the salary, depending on whether or not they are able to take up another occupation. However, if the permanent incapacity is absolute for all work, they receive 80% of their pay. To this is added 10% for each dependant.

Occupational accident insurance provides two types of benefit: in cash, in the case of compensation, pensions, benefits and allowances, or in kind, medical, pharmaceutical or hospital care, accommodation, transport, etc.

If the accident results in the death of the worker, the pension is awarded to the spouse, unmarried partner, children, adopted children and other relatives living with the victim. The pension varies according to the degree of kinship of each family member.

Workmen's Compensation Insurance Simulation