1. 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

2. 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

3. 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

4. 1. Role and Structure
Contributions to German statutory social insurance schemes (percentages of gross income)
 14,9 % equal payment ,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

5. 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
Social Accident Insurance institutions for industry and trade (Berufsgenossenschaften = BGs)
public sector Social Accident Insurance institutions (Unfallkassen = UK)
BGs and UKs are responsible for:
> million insured
3,8 million companies
Dr. Sven Timm, DGUV, Germany

6. 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
Lead institution of the industry and trade sector
Dr. Sven Timm, DGUV, Germany

7. 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

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. 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

10. 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

11. 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

12. 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

13. 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

14. Social Insurance contributions‘ long term development
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. 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

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. 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

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. 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

24. 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

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

26. 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

27. 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

28. 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

29. 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

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