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Social Accident Insurance System in Germany

Successful since 125 years! Helmut Ehnes


SAFETY FIRST - 2013 FORUM Ulaanbaatar, Mongolia 27 / 28 February 2013

SAFETY FIRST - 2013 FORUM, Ulaanbaatar, Mongolia 27 / 28 February 2013

RISKS
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every year

337 Million
accidents at work
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every year

358.000
Foto:Polarlys/Bettenburg

fatal accidents at work


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every year

1.95 Million
fatal occupational diseases
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The International Labour Organization (ILO) requires Social Security by Conventions. Recommendations. Protocols.
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The International Social Security Association (ISSA) supports Countries and their Social Security Institutions to meet those Aims.
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Social Accident Insurance System in Germany


Successful since 125 years!

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Bismarck founded the German Social Insurance System in the 1880s


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SAFETY FIRST - 2013 FORUM, Ulaanbaatar, Mongolia 27 / 28 February 2013

STRUCTURE
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German Social Insurance


Contributions from Employers and Employees Pensions Insurance Health Insurance Unemployment Insurance
Contributions from Employers

Nursing and Care Insurance

Accident Insurance

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German Social Insurance


Contributions from Employers and Employees
Contributions from Employers

Pensions Insurance

Health Insurance

Unemployment Insurance

Nursing and Care Insurance

Accident Insurance

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German Social Insurance


Contributions from Employers and Employees
Contributions from Employers

Pensions Insurance

Health Insurance

Unemployment Insurance

Nursing and Care Insurance

Accident Insurance

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SAFETY FIRST - 2013 FORUM, Ulaanbaatar, Mongolia 27 / 28 February 2013

ORGANIZATION
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Organization of the Social Accident Insurance


BGs: Accident Insurance Institutions for Industry and Trade Unfallkassen: Accident Insurance Institutions for the Public Sector

Agricultural Social Insurance

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Sector Specific Organization of the BGs


Administration Construction Trading

Food & Hotels

Mining & Chemicals


Traffic & Transport

Health & Welfare


Energy

Metal & Wood

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Sector Specific Organization of the BGs


Administration Construction Trading

Food & Hotels

Mining & Chemicals


Traffic & Transport

Health & health and welfare services Welfare


Energy

Metal & Wood

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SAFETY FIRST - 2013 FORUM, Ulaanbaatar, Mongolia 27 / 28 February 2013

MEMBERSHIP
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Every Employer has to be a Member of the Social Accident Insurance

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The Liability Principle


Employees Employers

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SAFETY FIRST - 2013 FORUM, Ulaanbaatar, Mongolia 27 / 28 February 2013

SOCIAL PARTNERS
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Responsibility of the Social Partners (Self-Government)


Independent self-governing body Assembled equally by employers and employees Controls and supervises the administration of the social accident insurance Reports to the government
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Institutions of Self-Government
Board elect Representatives Council elect Employees Employers

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Responsibilities of the Representatives 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 the Representative Council Draws up the Budget Plan Defines the Staff Planning Representation of the BG Monitors the Management

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SAFETY FIRST - 2013 FORUM, Ulaanbaatar, Mongolia 27 / 28 February 2013

INSURANCE CASES
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What is insured ?
Occupational Accidents Commuting Accidents Occupational Diseases

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INSURED PERSONS
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Who is insured? All Employees


Employers from SMEs in High-Risk Industries Employers on a Voluntary Basis

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SAFETY FIRST - 2013 FORUM, Ulaanbaatar, Mongolia 27 / 28 February 2013

SERVICES
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Prevention
A 3 Core Comprehensive Services Service

Rehabilitation
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Compensation
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PRINCIPLES
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Guiding Principles
Prevention before Rehabilitation
Rehabilitation before Compensation Use all Suitable Means
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SAFETY FIRST - 2013 FORUM, Ulaanbaatar, Mongolia 27 / 28 February 2013

PREVENTION SERVICES
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Prevention Services
Consulting and Inspection Prevention Regulations Training and Qualification Occupational Medicine Testing and Certification Incentives

Information and Communication


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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 and Occupational Rehabilitation) Pension Payments for Insured

Pension Payments for Family Survivors

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FINANCING
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Financing Principles
BGs are Non-Profit Organisations

Employers pay 100 % of Contributions


Contributions are calculated basing on the Expenses of the Previous Year

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Calculation of Contributions
The Contribution of an Enterprise depends on: Its Risk Class Its Total Wages paid to Employees The Total Expenses of the Accident Insurance
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Motivation for Prevention by Calculation of the Contributions


Trades tend to reduce their Sector-Specific Risk Class Enterprises tend to avoid Malus Payments and to receive a Bonus (Individual Bonus / 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 !
1,60 1,40 1,20 1,00 0,80 0,60 0,40 0,20 0,00

1,46 1,36 1,31 1,33

1,28

1,32

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Fatal Accidents
Fatal Occupational Accidents
1600 1400 1200

1208

1326 918 656

Fatal Commuting Accidents

1000
800

600
400 200 0

694

911

794 552

498

394

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Reportable Accidents
2,000,000 1,800,000 1,600,000 1,400,000 1,200,000 1,000,000 800,000 600,000 400,000

1,651,481 1,380,289 1,495,569

931,932

919,025

200,000
0

1990 1992 1994 1996 1998 2000 2002 2004 2006 2008 2010 2011
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Reportable Accidents per 1,000 Employees


60.00 50.00 40.00

51.70 46.58 38.60 27.08

24.52

30.00

20.00
10.00 0.00

1990 1992

1994

1996

1998

2000

2002

2004

2006

2008

2010

2011
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New Pensions for Occupational Accidents and Commuting Accidents


45,000 40,000

37,809 33,016

Occupational Accidents Commuting Accidents

35,000 30,000 25,000 20,000 15,000 10,000 5,000 0 1990 1992 1994 1996 1998 2000 2002 2004 2006

24,903 19,237

15,740 5,951
2010 2011

8,289

11,001

8,082

7,001

2008

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New Pensions per 1,000 Employees


1.2

1.141
Occupational Accidents

1.0

1.066 0.696 0.559

Commuting Accidents

0.8

0.6

0.420
0.137
2008 3/14/2013 2010 2011

0.4

0.267

0.274

0.200

0.179

0.2

0.0

1990

1992

1994

1996

1998

2000

2002

2004

2006

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SAFETY FIRST - 2013 FORUM, Ulaanbaatar, Mongolia 27 / 28 February 2013

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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How to
meet ILO Requirements? guarantee Workers Rights? support Employers and Industry?

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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

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Thank you!

Helmut Ehnes
Dipl.-Ing. Helmut Ehnes
14 March 2013

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