In the event of an insured event under statutory accident insurance, i.e. an accident at work or an occupational illness, you will receive injury benefit if you are unable to work.

The injury benefit compensates for your loss of income and ensures your livelihood and that of your dependants. It is calculated individually on the basis of your regular income.

You do not need to submit an application. Your employer's liability insurance association or accident insurance fund will check possible claims on its own initiative ("ex officio") and arrange for payment. It is paid monthly as long as you are unfit for work, i.e. as long as you are on sick leave from your doctor.

The amount of the injury benefit depends on your situation:

• As a rule, the injury benefit amounts to 80 percent of your regular pay and income from work. However, it may not be higher than your regular net pay.
• If you continue to earn money while receiving injury benefit, your earned income will be offset against the injury benefit. This means that your injury benefit will be reduced in this case.
• If you are not employed but had an income from work before the start of your incapacity for work, there is a different procedure. In this case, the 360th part of your earned income in the calendar year before the start of your incapacity for work is used as the basis for calculating your injury benefit.
• Your contributions to pension and unemployment insurance are deducted from the injury benefit. As long as you receive injury benefit, your employers' liability insurance association or accident insurance fund will pay the other social insurance contributions. If you are a member of a professional pension fund, your employer's liability insurance association or accident insurance fund will pay your share of the social security contributions on application. This is the case for doctors and notaries, for example.

If you are entitled to an allowance from your employer for private health and long-term care insurance contributions, this will be paid.