Compulsory accident insurance at work: requirements and features

In many enterprises, workers are at risk of various injuries and illnesses. Therefore, caution and compliance with safety rules are necessary. No less important is accident insurance, which involves receiving compensation for harm caused. Read more about this service in the article.

Service Features

Contributions for compulsory accident insurance are paid by the head of the company where the employee works. MHI transfers are excluded from the unified system of social taxation and are included in the FSS. Legal entities that hire workers based on contracts should make contributions to this organization. Individuals and individual entrepreneurs, who have subordinates, have this obligation.

Compulsory social accident insurance has the following tasks:

1. Payment of compensation in case of harm to the employee in the performance of work duties.
2. Managers are interested in ensuring the safety of the working conditions of their staff.
3. Prevention to reduce occupational diseases and injuries is considered important.

What does the law say?

Obligatory social insurance against industrial accidents must be executed by the employer. This is enshrined in Federal Law No. 125 of 1998. It also indicates the factors of this issue, the procedure and compensation for harm that has been received in the performance of work duties.

Information about tariffs is registered in the Federal Law No. 419 of 2016. The amount of the insurance rate is the percentage of the salary or other remuneration provided to the insured person under a civil contract. There are 32 types of professional risks currently in force, for which the insurance rate may be in the range of 0.2-8.5%.

Tasks

During the performance of work duties, emergencies can occur, which can be caused by various phenomena. It is often difficult to predict circumstances that could lead to injury. Industrial accidents occur due to:

1. Hardware malfunctions.
2. Savings on process modernization.
3. Lack of remedies.
4. Natural disaster for man-made reasons.

In the event of such situations, injury, disability is possible. Insurance of accidents, diseases allows to provide social protection.

Kinds

Insurance happens:

1. Obligatory. It will work with every person who has a permanent place of work, no matter what form of ownership the organization may have.
2. Voluntary. Its design is optional. For example, you can get a policy so that a number of additional services are provided that are not covered by CHI.

Insurance Procedure

On the basis of insurance rates approved annually, company management must be notified within 10 days of the size of insurance payments. This value is determined by the risk category of the enterprise. The lower the score, the lower the payout.

Contributions in full are made on the date necessary for crediting by the bank before payment of the employee's salary. An insured employee with injuries at work receives insurance in the amount prescribed by the Social Insurance Fund.

For whom is insurance required?

Compulsory industrial accident insurance protects social and material interests with:

1. Disability.
2. Health impairment.
3. By death.

The following citizens must make out the service:

1. Persons who work in the territory of the employer on the basis of an employment contract.
2. Individuals who have been injured, mutilated, before the adoption of the law on insurance of employees without fail.
3. Convicted citizens.

When are payments made?

Accident insurance claims are as follows:

1. Natural disasters.
2. Burns, frostbite, drowning.
3. Falling, penetration of foreign particles into the respiratory tract.
4. Poisoning.
5. Other industrial accidents.

It is after them that compensation is paid. There is insurance against accidents and occupational diseases. Experts establish that the disease appeared due to negative factors of production. The presence of a supporting document allows you to receive compensation.

Insurance Case Investigation

An accident is a confirmed fact of personal injury or poor health in the performance of duties. Loss of health or death can be at the factory itself or with exposure to harmful factors. The insurance includes injuries and damage due to an accident at the enterprise or performance of work at other facilities under a contract.

An accident is considered to be an accident when traveling on a business trip and vice versa, as well as during the rest period between shifts. In addition to the risks of omission and non-receipt of profit and loss on non-payment, various types of liability, property, investments, innovative production are protected. When protecting the liability of the producer, the company protects itself from damage, expenses due to claims on product quality.

Accident insurance involves fixing the incident, as well as its investigation. This event is carried out by a special commission, which includes a labor safety officer, representatives of the interests of the employer and a union member. In severe injuries or death, a state labor safety inspector must be present, as well as a representative of the executive committee.

Payouts

Mandatory social insurance against accidents involves the preparation of a special act of type H1 when an incident occurs. This document confirms personal injury caused by work-related injuries. On its basis, medical professionals conduct an examination.

Based on the injuries received and the degree of guilt of a person, the size of insurance payments is determined, which cannot be reduced by more than 25%. Upon the death of the insured employee, compensation is provided:

1. Relatives who look after his children.
2. Dependent persons of the deceased.
3. Children who appear after death.
4. Dependents who become disabled within 5 years from the death of the dependent.

For accident insurance, benefits may be paid to persons working at the time of the death of the dependent, but they have used the deceased for their life. Compensation is provided to those who looked after the relatives of the deceased.

Payout Sizes

Obligatory insurance against industrial accidents involves victims and their families:

1. Disability benefits paid.
2. Insurance deductions.
3. Payment of expenses for treatment in sanatoriums, for the provision of medical care and rehabilitation.

If the employee has lost his ability to work, then he is paid compensation, which is equal to 100% of his salary. Income is transferred until complete recovery. The formation of payments is based on the funds of the employer. If accident insurance is issued, then with the death of the employee, compensation is transferred to family members in equal shares.

Advantages and disadvantages

Compulsory accident insurance is beneficial for the employee. This allows you to be sure in the future that the employer will fulfill the requirements for pension, social, and medical insurance.In the event of an insured event, compensation will be provided which will be used to treat the person.

For the employer, such services also have advantages. This is a motivational mechanism for staff, therefore, the efficiency of employees increases. This will allow to retain employees, as well as attract new specialists.

What do I need to receive payments?

When an insured event occurs, a medical treatment is sought. The institution must provide documents confirming the deterioration of health. To receive payments, you must timely contact the insurance company that provided the policy. The notice periods are indicated in the contract, but in practice they are 25-30 days.

You must write a statement about the need for payments. Some firms establish their own designs. And others can accept applications by phone. In order for all the nuances of providing payments to be clear, it is necessary to ask questions to a specialist during registration. The companies also have a support service used for consultation.

Then you need to prepare the documents:

1. Policy.
2. Statement.
3. Confirmation of the basis of payments.
4. Copy of the passport.

Additional documents may be required if specific circumstances are required. They must be submitted to the company. The specialist assigns a number to the application, after which you can track the results. Payments are made on time specified in the contract, but in practice it does not exceed 30 days.

Reasons for refusal

But payments may be refused, and the reasons may be legal and illegal. The first include:

1. Inconsistency of the case with the information indicated in the document.
2. Distortion of information, forgery of documents.
3. Violation of the provisions of the contract.

All other failure situations are considered illegal. In case of disagreement, the client has the right to appeal to the court. The case will be considered individually, taking into account all circumstances. Compulsory insurance serves as social support for workers, especially those who have to work in difficult conditions.