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What benefits do I receive from an employer’s liability insurance association after an accident at work?

After an accident at work, you as an employee can receive various benefits from the relevant employer’s liability insurance association. It always depends on each individual case. The best known benefit from the employer’s liability insurance association is the injury benefit (Verletztengeld). It is paid if the incapacity to work continues beyond the period of the employer’s obligation to continue paying wages. In addition, the treatment costs incurred at the doctor’s office are covered by the employer’s liability insurance association.

Other benefits covered by the employer’s liability insurance associations include the following:

  • home nursing and medical rehabilitation
  • Services for participation in working life and community life, such as vocational preparation, training and retraining, psychosocial support, housing assistance and car assistance
  • Cash benefits, such as injury and transitional benefits, insured person’s pension, nursing care allowance
  • Survivors’ benefits, such as death benefits, survivors’ pensions and allowances.