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1. Role and Structure 2. Mandate and Responsibilities 3. Summary and Perspective

DGUV, Berufsgenossenschaften and Unfallkassen – German Social Accident Insurance institutions for trade and industry and for the public sector. Dr. Sven Timm Central Prevention Division of German Social Accident Insurance (DGUV) Strategic Co-operation Sankt Augustin, 6th December 2013.

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1. Role and Structure 2. Mandate and Responsibilities 3. Summary and Perspective

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  1. 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

  2. 1. Role and Structure2. Mandate and Responsibilities3. Summary and Perspective Dr. Sven Timm, DGUV, Germany

  3. 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 The different Social Insurance Schemes Dr. Sven Timm, DGUV, Germany

  4. Contributions to German statutory social insurance schemes (percentages of gross income)  14,9 % equal payment 1,0 % only employees • 1. Role and Structure Health insurance  1,95 % equal payment+ 0,25 % childless empl. Nursing care ins. Old age insurance  19,9 % equal payment Unemployment ins.  2,8 % equal payment  1,31 % average, rating of risks Accident insurance Dr. Sven Timm, DGUV, Germany

  5. 1. Role and Structure Social Accident Insurance Institutions • Lead 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 Dr. Sven Timm, DGUV, Germany

  6. Lead institution of the public sector BUK Fusion 01.06.2007 Lead institution of the industry and trade sector 1. Role and Structure Fusion of the lead institutions of the „industry and trade“ sector and the „public“ sector to „German Social Accident Insurance “ (DGUV) Dr. Sven Timm, DGUV, Germany

  7. 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 The Berufsgenossenschaften and the Public Sector Social Accident Insurance institutions cover: Dr. Sven Timm, DGUV, Germany

  8. 1. Role and Structure The Berufsgenossenschaften and the Public Sector Social Accident Insurers cover: • Occupational accidents • Commuting accidents • Occupational diseases Dr. Sven Timm, DGUV, Germany

  9. Claim Entitlement to benefits 1. Role and Structure Employer’s Liability Employees/ students/ pupils / children in day care centers etc. Employers/Institutions Contributions Indemnity against liability UK/BG Dr. Sven Timm, DGUV, Germany

  10. 1. Role and Structure 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 membershipfür employers/enterprises advantages for prevention efforts Dr. Sven Timm, DGUV, Germany

  11. Board of Directors (with joint representation) elects Representatives‘ Assembly (with joint representation) elect Employees Employers 1. Role and Structure Organizational Structure of the Members of the German Social Accident Insurance Based on two principles: Autonomous administration and equal representation Dr. Sven Timm, DGUV, Germany

  12. 1. Role and Structure 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 Dr. Sven Timm, DGUV, Germany

  13. 1. Role and Structure 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) Source: DGUV Dr. Sven Timm, DGUV, Germany

  14. 1. Role and Structure Social Insurance contributions‘ long term development Dr. Sven Timm, DGUV, Germany

  15. 1. Role and Structure International comparison of contribution rates for Social Accident Insurance, rsp. Workers compensation / Employment Injury schemes / Employers‘ liability: 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) 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!!! Dr. Sven Timm, DGUV, Germany

  16. 2. Mandate and Responsibilities 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” Dr. Sven Timm, DGUV, Germany

  17. 2. Mandate and Responsibilities The „suitable means“ of the social accident insurance institutions: Services Prevention (preventive measures) million € 911 * A comprehensive service Rehabilitation (medical benefits, occupational and social rehabilitation)billion € 3.5 * Compensation(financial benefits)billion € 5.8 * * 2010 Dr. Sven Timm, DGUV, Germany

  18. 2. Mandate and Responsibilities 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 Dr. Sven Timm, DGUV, Germany

  19. Responsibilities and Targets of Rehabilitation To restore the health of the insured Medical Rehabilitation Dr. Sven Timm, DGUV, Germany

  20. Responsibilities and Targets of Rehabilitation To support the insured with their occupational reintegration Occupational Rehabilitation Dr. Sven Timm, DGUV, Germany

  21. Responsibilities and Targets of Rehabilitation To support the insured with their social reintegration Social Rehabilitation Dr. Sven Timm, DGUV, Germany

  22. 2. Mandate and Responsibilities Responsibility of the Berufsgenossenschaften and Public Social Sector Accident Insurers • To co-ordinate and control all rehabilitation measures • To guarantee the insured a basic standard of living during rehabilitation (cash benefits e.g. injury benefits) Dr. Sven Timm, DGUV, Germany

  23. 2. Mandate and Responsibilities Services of Medical Rehabilitation • Emergency treatment (First Aid) • Out-patient and in-patient treatment • Home nursing • Remedial treatment and aids Dr. Sven Timm, DGUV, Germany

  24. 2. Mandate and Responsibilities Services of Medical Rehabilitation • 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 Dr. Sven Timm, DGUV, Germany

  25. 2. Mandate and Responsibilities • …and after medical treament? Dr. Sven Timm, DGUV, Germany

  26. 2. Mandate and Responsibilities 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 Dr. Sven Timm, DGUV, Germany

  27. 2. Mandate and Responsibilities Services of Social Rehabilitation • Driving aid • Accommodation aid • Counseling as well as social educational and psychosocial assistance • Housekeeping support • Rehabilitation sports Dr. Sven Timm, DGUV, Germany

  28. 2. Mandate and Responsibilities Responsibility and Aim of Compensation • 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

  29. 2. Mandate and Responsibilities Responsibility and Aim of Compensation • To ease the financial consequences of occupational accidents and occupational diseases. • For their relatives • survivors’ benefits • death benefits Dr. Sven Timm, DGUV, Germany

  30. 3. Performance • Performance Dr. Sven Timm, DGUV, Germany

  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 ∑ 11,3 billion € *(basically pensions and other benefits) Dr. Sven Timm, DGUV, Germany

  32. Contributions • On average stable contributions to the Berufsgenossenschaften not least because of successful prevention Total amount of contributions in 2009: Euro 9.5 billion Dr. Sven Timm, DGUV, Germany

  33. Reportable occupational accidentsper 1,000 equivalent full time employees Dr. Sven Timm, DGUV, Germany

  34. Reportable school accidents per 1,000 students Dr. Sven Timm, DGUV, Germany

  35. For more information: • German Social Accident Insurance • www.dguv.de (German/English) • E-Mail: sven.timm@dguv.de Dr. Sven Timm, DGUV, Germany

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