Professional associations in labor law
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Berufsgenossenschaften are statutory accident insurance institutions that exist in Germany. The Berufsgenossenschaften have the task of providing rehabilitation and compensation for Occupational accidents to carry and promote. They are also responsible for accidents on the way to work and occupational diseases. The legal basis for the employers' liability insurance associations is the Seventh Social Code (SGB VII). Berufsgenossenschaften themselves are self-governing bodies under public law. The "entrepreneurs" belong to them as their own members. It should be noted that these companies regularly employ employees who are subject to compulsory insurance. If this is the case, then the companies are a compulsory member of the Berufsgenossenschaft in accordance with § 649 RVO. In order to cover the Berufsgenossenschaft's own financial requirements, a Berufsgenossenschaft levies contributions on a pay-as-you-go basis.
The statutory accident insurance, as well as the other statutory insurances, are compulsory insurances from which one cannot exempt oneself. Furthermore, however, it remains possible to take out further private accident or liability insurance. This does not affect the statutory accident insurance.
Division of the employers' liability insurance associations according to trade branches
Responsibilities of the individual professional associations
The division of the Berufsgenossenschaften is done by different branches of trade and by local jurisdiction. The largest professional associations include:
– BG RCI (raw materials / chemical industry)
– BGHM (wood and metal)
– BG ETEM (Energy / Textiles / Electrical / Media Products)
– BG BAU (Construction)
– BG Traffic (Transport and traffic industry)
The Federal and Railway Accident Insurance Institutions and the Transport, Post and Logistics Telecommunications Accident Insurance Institution are not among the accident insurance institutions. Other accident insurance institutions are the accident insurance funds of the federal states, the municipal accident insurance associations and accident insurance funds of the municipalities. They also include the accident insurance fund of the fire department. A separate agricultural employers' liability insurance association is responsible for agriculture, forestry and horticulture.
The amount of contributions to the employers' liability insurance association
Contribution amount of the BG
The amount of contributions payable to the Employer's Liability Insurance Association is based on the employee's salary. However, the amount may vary depending on the hazard class, classification of occupational risks of the employee's activity.
Basically, the following formula applies:
(remuneration x risk class x contribution rate)
The contribution rate for the VBG is 3.90 euros.
What does the employers' liability insurance association do in the event of an accident at work?
Procedure of the BG in the event of an occupational accident
Suffers the Employees has an accident at work while performing his duties and is ill for more than three days, he must report this accident at work to the Employer's Liability Insurance Association. Also or especially in the event of a death, this must be reported / notified to the Employer's Liability Insurance Association immediately.
Occupational accidents can be reported directly to the employers' liability insurance associations not only by telephone, but also on the websites of the responsible employers' liability insurance associations.
What benefits does the employers' liability insurance association provide in the event of an accident at work?
Benefits of the employers' liability insurance association
The Employer's Liability Insurance Association is obliged to compensate its insured persons accordingly if an occupational accident or disease occurs in the course of the employee's work. This includes a complete / holistic rehabilitation of the EmployeeThe employer's liability insurance association is obligated to take care of all medical, social and financial consequences, including the financial care / protection of the employee's / injured person's family.
Proactively, however, the employers' liability insurance association also has a duty to provide training in the companies regarding potential hazards in the workplace and occupational safety, so that occupational accidents and chronic illnesses on the part of the employee can be prevented.
Should an accident at work nevertheless occur, it is also the task of the employers' liability insurance association to ensure the integration of the insured/employee after the healing process. The so-called benefits for participation in working life and life in the community.
After the benefits of medical and professional care, the insured /. Employees is also entitled to the following financial benefits, which the Employer's Liability Insurance Association will pay on his behalf:
- Death benefit
- Injury benefit
- Transitional allowance
- Pension (survivor's pension as well as orphan's pension)
- Care allowance