Sankt Augustin, 6th December 2013 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

1. Role and Structure 2. Mandate and Responsibilities 3 1. Role and Structure 2. Mandate and Responsibilities 3. Summary and Perspective Dr. Sven Timm, DGUV, Germany

The different Social Insurance Schemes 1. Role and Structure The different Social Insurance Schemes financed through contributions from employers and employees contributions from employers Health Insurance Pension Insurance Unemployment Insurance Nursing Care Insurance Accident Insurance Dr. Sven Timm, DGUV, Germany

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

Social Accident Insurance Institutions 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

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) Lead institution of the public sector BUK Fusion 01.06.2007 Lead institution of the industry and trade sector Dr. Sven Timm, DGUV, Germany

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

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

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

The German social accident insurance carriers are 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 membership für employers/enterprises advantages for prevention efforts Dr. Sven Timm, DGUV, Germany

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

Performance and service for employers and employees 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 Die Erwartungen an die gesetzliche Unfallversicherung kann man aus Sicht der Unternehmer und Arbeitnehmer betrachten. Für den Unternehmer ist die Haftungsablösung der wichtigste Aspekt. Dabei sind die Unternehmer an einer Haftungsablösung interessiert, die auch langfristig und unter sich ändernden Bedingungen trotzdem eine zuverlässige Rechts- und Finanzsicherheit bietet. Eine unzureichende Haftungsabsicherung, sei es dass das Entschädigungsvolumen zu gering ist oder Haftungsausschlüsse bestehen (z.B. für Asbest) führt dazu, dass der vermeintliche Schutzschirm löchrig wird und im Schadensfall katastrophale Folgen auf das Unternehmen zukommen können. Nicht zu unterschätzen ist auch der Aspekt des Betriebsfriedens, wenn beispielsweise nach einem Unfall der Geschädigte nicht nur seinen Arbeitgeber, sondern auch Arbeitskollegen verklagen kann. Und schließlich muss aus Sicht der Unternehmen ein System preiswert und effizient sein. Die Arbeitnehmer erwarten in erster Linie eine langfristig stabile Absicherung bei erlittenen Körperschäden. Dazu gehört insbesondere eine schnelle, kompetente und angemessene Versorgung und Entschädigung im Krankheitsfall und auch auch, was man oft nicht bedenkt, der Schutz vor Klagen durch geschädigte Kollegen, wenn man selbst ggf. eine Schuld oder Teilschuld an einem Unfall oder einer Erkrankung hat. Dr. Sven Timm, DGUV, Germany

Contributions are entirely paid by employers 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 payroll 2. sector of industry 3. risk class 4. number and severity of accidents („performance“, surcharge and reduction process) *(contribution scheme as applicable to the Berufsgenossenschaften) Source: DGUV Dr. Sven Timm, DGUV, Germany

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

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

Legal Mandate The German Social Accident Insurance Institutions are to 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

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

by all appropriate means 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

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

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

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

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

Services of Medical Rehabilitation 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

Services of Medical Rehabilitation 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

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

Services of Occupational Rehabilitation 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

Services of Social Rehabilitation 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

Responsibility and Aim of Compensation 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 or disease pension Dr. Sven Timm, DGUV, Germany

Responsibility and Aim of Compensation 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

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

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

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

Reportable occupational accidents per 1,000 equivalent full time employees Dr. Sven Timm, DGUV, Germany

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

German Social Accident Insurance www.dguv.de (German/English) For more information: German Social Accident Insurance www.dguv.de (German/English) E-Mail: sven.timm@dguv.de Dr. Sven Timm, DGUV, Germany ILO-ITC, Turin, 29th November 2011