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Social Accident Insurance System in Germany

Successful since 125 years! Helmut Ehnes
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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 1880’s
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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
BG´s: 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 BG´s
Administration Construction Trading

Food & Hotels

Mining & Chemicals
Traffic & Transport

Health & Welfare
Energy

Metal & Wood

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Sector Specific Organization of the BG´s
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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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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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 SME´s in High-Risk Industries • Employers on a Voluntary Basis

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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
• BG´s 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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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 Worker‘s 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