{"id":7987,"date":"2024-02-06T18:51:33","date_gmt":"2024-02-06T17:51:33","guid":{"rendered":"https:\/\/smart-arbeitsrecht.de\/?page_id=7987"},"modified":"2026-01-20T11:03:53","modified_gmt":"2026-01-20T10:03:53","slug":"arbeitsunfall-antrag-auf-rente-oder-abfindung-abgelehnt-was-tun","status":"publish","type":"page","link":"https:\/\/smart-arbeitsrecht.de\/en\/arbeitsunfall-antrag-auf-rente-oder-abfindung-abgelehnt-was-tun\/","title":{"rendered":"Work accident: Application for pension or severance pay rejected \u2013 what to do?"},"content":{"rendered":"<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"512\" src=\"https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Arbeitsunfall_Antrag_Rente_Abfindung_abgelehnt-1024x512.jpg\" alt=\"Arbeitsunfall und Berufsgenossenschaft\" class=\"wp-image-8017\" title=\"Work accident and professional association\" srcset=\"https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Arbeitsunfall_Antrag_Rente_Abfindung_abgelehnt-1024x512.jpg 1024w, https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Arbeitsunfall_Antrag_Rente_Abfindung_abgelehnt-300x150.jpg 300w, https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Arbeitsunfall_Antrag_Rente_Abfindung_abgelehnt-768x384.jpg 768w, https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Arbeitsunfall_Antrag_Rente_Abfindung_abgelehnt-1536x768.jpg 1536w, https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Arbeitsunfall_Antrag_Rente_Abfindung_abgelehnt.jpg 1800w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>After each <strong>Work accident<\/strong> or <strong>Commuting accident<\/strong>, which is <strong>Employees<\/strong> or <strong>insured self-employed persons<\/strong> in the course of his professional activity or on the way to and from work, insured persons can <strong>Claims against statutory accident insurance (professional association)<\/strong> on payment of a <strong>pension<\/strong> or <strong>severance pay<\/strong> The same applies to a <strong>occupational disease<\/strong>.<\/p>\n\n\n\n<p>But it is not uncommon that <strong>legitimate claims<\/strong> against the<strong> Professional Association (BG)<\/strong> or <strong>Accident insurance on pension<\/strong> or on <strong>severance pay<\/strong> be rejected.<\/p>\n\n\n\n<p>In this guide we would like to <strong>Your legal options<\/strong> show if your <strong>Application for pension<\/strong> or <strong>severance pay<\/strong> was rejected by the professional association or you do not know whether and how you can obtain such <strong>make an application<\/strong> We will give you information about, among other things,<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>What is an accident at work or a commuting accident?<\/li>\n\n\n\n<li>What is an occupational disease?<\/li>\n\n\n\n<li>Which professional association is responsible?<\/li>\n\n\n\n<li>What&#039;s your advantage if you suffer an accident at work? \u2013 A blessing in disguise<\/li>\n\n\n\n<li>Which doctor should you see after a work-related accident?<\/li>\n\n\n\n<li>When does the employer\u2019s liability insurance association pay out benefits?<\/li>\n\n\n\n<li>Work accident and long-term effects \u2013 What if the pain only occurs later?<\/li>\n\n\n\n<li>Reduced earning capacity \u2013 When are you entitled to a pension or severance pay?<\/li>\n<\/ul>\n\n\n\n<p>Last but not least, it&#039;s also about how the lawsuit against the employer&#039;s liability insurance association following a work-related accident will be financed. Here, too, we have a solution for you in the form of a strong litigation funder who will provide you with financial support.<\/p>\n\n\n\n<div class=\"cta-1\">\n  <h3>Claims against the <span class=\"orange-accent\">Enforce the professional association<\/span> \u2013 with strong support.<\/h3>\n  <p><strong>Whether it\u2019s a pension, injury benefit, or severance pay \u2013 we know your options.<\/strong><\/p>\n  <p><em>Our law firm will review your claims and provide you with legal support \u2013 nationwide and with commitment. We&#039;ll get the best possible outcome for you.<\/em><\/p>\n  <div class=\"buttons-block flex flex-wrap justify-center mt-12\">\n    <a class=\"btn-cta mr-0 sm:mr-3 text-dark\" href=\"tel:+4940524717830\">\n      <i class=\"fa fa-phone mr-2\"><\/i> Call now\n    <\/a>\n    <a class=\"btn-cta mr-0 sm:mr-3 text-dark\" href=\"\/en\/kontakt\/\">\n      <i class=\"fa fa-envelope mr-2\"><\/i> Free initial assessment\n    <\/a>\n  <\/div>\n<\/div>\n\n\n\n<div style=\"height:32px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"toc\">\n<h3>Table of contents<\/h3>\n<ol>\n<li><a href=\"#arbeitsunfall\">What is an accident at work and what is a commuting accident?<\/a><\/li>\n<li><a href=\"#berufskrankheit\">What is an occupational disease?<\/a><\/li>\n<li><a href=\"#zust\u00e4ndigkeit_berufsgenossenschaft\">Which professional association is responsible?<\/a><\/li>\n<li><a href=\"#vorteil_arbeitsunfall\">Your advantage in the event of an accident at work \u2013 luck after misfortune<\/a><\/li>\n<li><a href=\"#arzt_arbeitsunfall\">Which doctor should you see after a work-related accident?<\/a><\/li>\n<li><a href=\"#leistungen_berufsgenossenschaft\">When does the employer\u2019s liability insurance association pay out benefits?<\/a><\/li>\n<li><a href=\"#arbeitsunfall_sp\u00e4tfolgen\">Work accident and long-term effects \u2013 What if the pain only occurs later?<\/a><\/li>\n<li><a href=\"#rente_abfindung\">Reduced employment \u2013 When is one entitled to a pension or severance payment?<\/a><\/li>\n<li><a href=\"#unterst\u00fctzung_arbeitsunfall\">How we can support you after an accident at work<\/a><\/li>\n<li><a href=\"#faq\">FAQs \u2013 Frequently Asked Questions<\/a><\/li>\n<\/ol>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"arbeitsunfall\">What is an accident at work and what is a commuting accident?<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"512\" src=\"https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Arbeitsunfall_Wegeunfall-1024x512.jpg\" alt=\"Arbeitsunfall und Wegeunfall\" class=\"wp-image-8018\" title=\"Work accident and commuting accident\" srcset=\"https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Arbeitsunfall_Wegeunfall-1024x512.jpg 1024w, https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Arbeitsunfall_Wegeunfall-300x150.jpg 300w, https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Arbeitsunfall_Wegeunfall-768x384.jpg 768w, https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Arbeitsunfall_Wegeunfall-1536x768.jpg 1536w, https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Arbeitsunfall_Wegeunfall.jpg 1800w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Work accidents are the <strong>Accidents<\/strong>, which insured persons incur as a result of an insured activity, i.e. usually in the <strong>Work<\/strong>, suffer. Also <strong>Commuting accidents<\/strong> are covered by the insurance. This not only covers the direct route to or from the place of the insured activity (workplace), but also certain detours may be covered by the accident insurance. Parents, for example, are also insured if they <strong>a detour on the way to work<\/strong> to the daycare center.<\/p>\n\n\n\n<p>Whether your <strong>Accident<\/strong> as <strong>Work accident<\/strong> or your <strong>Illness<\/strong> as <strong>occupational disease<\/strong> The statutory accident insurance institution responsible for you will decide whether this can be recognized.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"berufskrankheit\">What is an occupational disease?<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"512\" src=\"https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Berufskrankheit-1024x512.jpg\" alt=\"Was ist eine Berufskrankheit\" class=\"wp-image-8019\" title=\"What is an occupational disease\" srcset=\"https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Berufskrankheit-1024x512.jpg 1024w, https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Berufskrankheit-300x150.jpg 300w, https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Berufskrankheit-768x384.jpg 768w, https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Berufskrankheit-1536x768.jpg 1536w, https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Berufskrankheit.jpg 1800w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><strong>Occupational diseases<\/strong> are illnesses that an insured person acquires through work and which are either in the <strong>Occupational Diseases Ordinance<\/strong> recorded or which, according to medical findings, <strong>caused by the job<\/strong> are.<\/p>\n\n\n\n<p>There are various reasons for a <strong>occupational illness<\/strong>. For example, the <strong>Working with hazardous substances<\/strong> count, but also the constant work under <strong>Noise<\/strong>, as well as in <strong>bending over<\/strong> or <strong>Kneel<\/strong> can cause occupational diseases.<\/p>\n\n\n\n<div class=\"gradient-border red-gradient p-4 mb-3\"><em><strong>A notice:<\/strong> Germany has a list of occupational diseases. However, this list does not cover all work-related illnesses. Such illnesses can be compensated as occupational diseases &quot;according to new findings.&quot; In these cases, the employers&#039; liability insurance associations generally have great difficulty recognizing them as occupational diseases.<\/em><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"zust\u00e4ndigkeit_berufsgenossenschaft\">Which professional association is responsible?<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"512\" src=\"https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Zustaendige_Berufsgenossenschaft-1024x512.jpg\" alt=\"Richtige Berufsgenossenschaft\" class=\"wp-image-8020\" title=\"The right professional association\" srcset=\"https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Zustaendige_Berufsgenossenschaft-1024x512.jpg 1024w, https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Zustaendige_Berufsgenossenschaft-300x150.jpg 300w, https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Zustaendige_Berufsgenossenschaft-768x384.jpg 768w, https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Zustaendige_Berufsgenossenschaft-1536x768.jpg 1536w, https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Zustaendige_Berufsgenossenschaft.jpg 1800w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Which professional association you are insured with depends on your professional activity. The various professional associations are the <strong>Statutory accident insurance providers<\/strong>For example, the <strong>BG BAU (Occupational Accident Insurance Association of the Construction Industry) <\/strong>Employees in the construction industry and construction-related services are covered. However, there are also other professional associations. <strong>statutory accident insurance<\/strong> is a compulsory insurance. Contributions are paid by your employer. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"vorteil_arbeitsunfall\">Your advantage in the event of an accident at work \u2013 luck after misfortune<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"512\" src=\"https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Vorteile_bei_Arbeitsunfall-1024x512.jpg\" alt=\"Arbeitsunfall Vorteile\" class=\"wp-image-8021\" title=\"Work accident benefits\" srcset=\"https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Vorteile_bei_Arbeitsunfall-1024x512.jpg 1024w, https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Vorteile_bei_Arbeitsunfall-300x150.jpg 300w, https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Vorteile_bei_Arbeitsunfall-768x384.jpg 768w, https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Vorteile_bei_Arbeitsunfall-1536x768.jpg 1536w, https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Vorteile_bei_Arbeitsunfall.jpg 1800w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>The good news is: If your accident is <strong>Work accident<\/strong> recognized or your illness as <strong>occupational disease<\/strong>, you as a victim <strong>many advantages<\/strong>: The statutory accident insurance then provides its benefits regardless of the question of who is to blame for the accident at work, the accident on the way to work or the occupational disease.<\/p>\n\n\n\n<p>Regardless of whether <strong>medical care, rehabilitation or reintegration<\/strong> in work or social life, all <strong>Cost<\/strong> are fully borne by the relevant professional association. <strong>long-term damage<\/strong> back and your <strong>Ability to work is permanently reduced by at least 20 percent<\/strong>, which must be determined by a medical report, you can also claim a <strong>pension<\/strong> or a <strong>severance pay<\/strong> to compensate for permanent impairments.<\/p>\n\n\n\n<div class=\"wp-block-columns cta-2 is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"779\" height=\"605\" src=\"https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2025\/07\/Raphael_Lugowski_Hamza_Guelbas_Anwaelte.webp\" alt=\"\" class=\"wp-image-9489\" srcset=\"https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2025\/07\/Raphael_Lugowski_Hamza_Guelbas_Anwaelte.webp 779w, https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2025\/07\/Raphael_Lugowski_Hamza_Guelbas_Anwaelte-300x233.webp 300w, https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2025\/07\/Raphael_Lugowski_Hamza_Guelbas_Anwaelte-768x596.webp 768w\" sizes=\"auto, (max-width: 779px) 100vw, 779px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<p class=\"has-text-align-left has-medium-font-size\"><strong>Your professional association won&#039;t pay? We enforce your claims<\/strong><\/p>\n\n\n\n<p>We have extensive experience in enforcing pension, injury benefit, or severance pay claims \u2013 nationwide and in a targeted manner.<\/p>\n\n\n\n<div class=\"buttons-block flex flex-wrap justify-center mt-12\"> <a class=\"btn-cta mr-0 sm:mr-3 text-dark\" href=\"tel:+4940524717830\"> <i class=\"fa fa-phone mr-2\"><\/i> Call now <\/a> <a class=\"btn-cta mr-0 sm:mr-3 text-dark\" href=\"\/en\/kontakt\/\"> <i class=\"fa fa-envelope mr-2\"><\/i> Free initial assessment<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"arzt_arbeitsunfall\">Which doctor should you see after a work-related accident?<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"512\" src=\"https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Arbeitsunfall_Arztwahl-1024x512.jpg\" alt=\"Arbeitsunfall Arztwahl\" class=\"wp-image-8022\" title=\"Work accident doctor&#039;s choice\" srcset=\"https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Arbeitsunfall_Arztwahl-1024x512.jpg 1024w, https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Arbeitsunfall_Arztwahl-300x150.jpg 300w, https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Arbeitsunfall_Arztwahl-768x384.jpg 768w, https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Arbeitsunfall_Arztwahl-1536x768.jpg 1536w, https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Arbeitsunfall_Arztwahl.jpg 1800w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>It is important that after an accident at work or due to an occupational disease, you first <strong>BG doctor (transit doctor)<\/strong> who will prepare a report (<strong>Transit report<\/strong>) for accident insurance. Continuing medical practitioners are BG-certified specialists and decide on further treatment after a work-related accident. This is particularly important so that <strong>possible consequential damage <\/strong>are insured and to claim benefits such as <strong>pension<\/strong> or <strong>severance pay<\/strong> from statutory accident insurance.<\/p>\n\n\n\n<p>The <strong>Notification to the professional association<\/strong> or the <strong>Accident insurance fund<\/strong>The employer is responsible for determining that an accident at work or an occupational disease has occurred.<\/p>\n\n\n\n<div class=\"gradient-border red-gradient p-4 mb-3\"><em>As you can probably imagine, having a medical report prepared by a specialized physician is crucial. If you have any questions, we would be happy to advise you.<\/em><\/div>\n\n\n\n<p>As you can probably imagine, the preparation of the medical report by a <strong>specialized specialist<\/strong> of crucial importance. If you have any questions, we would be happy to advise you.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"leistungen_berufsgenossenschaft\">When does the employer\u2019s liability insurance association pay out benefits?<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"512\" src=\"https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Leistungen_Berufsgenossenschaft-1024x512.jpg\" alt=\"Leistungen der Berufsgenossenschaft\" class=\"wp-image-8023\" title=\"Benefits of the professional association\" srcset=\"https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Leistungen_Berufsgenossenschaft-1024x512.jpg 1024w, https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Leistungen_Berufsgenossenschaft-300x150.jpg 300w, https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Leistungen_Berufsgenossenschaft-768x384.jpg 768w, https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Leistungen_Berufsgenossenschaft-1536x768.jpg 1536w, https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Leistungen_Berufsgenossenschaft.jpg 1800w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>When and whether the employer&#039;s liability insurance association provides benefits following an accident at work or on the way to work, or in the case of an occupational disease, depends on various factors. After six weeks of continued salary payment by the employer, the employer&#039;s liability insurance association pays <strong>Injury benefit<\/strong>. At <strong>Consequential damages<\/strong>which occur as a result of an accident at work and result in a reduction in earning capacity of at least <strong>20 percent<\/strong> will result in a <strong>pension<\/strong> or <strong>severance pay<\/strong> paid.<\/p>\n\n\n\n<p>The pension or severance payment is usually preceded by a <strong>extensive promotion of the healing process<\/strong> by the statutory accident insurance. Costs for medical treatment, rehabilitation and the provision of aids are part of the services offered by the employers&#039; liability insurance association. The main objective of this measure is <strong>complete healing<\/strong> and the <strong>Reintegration<\/strong> of the injured party into working life.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"arbeitsunfall_sp\u00e4tfolgen\">Work accident and long-term effects \u2013 What if the pain only occurs later?<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"512\" src=\"https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Arbeitsunfall_Spaetfolgen-1024x512.jpg\" alt=\"Arbeitsunfall und Sp\u00e4tfolgen\" class=\"wp-image-8024\" title=\"Work accident and long-term consequences\" srcset=\"https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Arbeitsunfall_Spaetfolgen-1024x512.jpg 1024w, https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Arbeitsunfall_Spaetfolgen-300x150.jpg 300w, https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Arbeitsunfall_Spaetfolgen-768x384.jpg 768w, https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Arbeitsunfall_Spaetfolgen-1536x768.jpg 1536w, https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Arbeitsunfall_Spaetfolgen.jpg 1800w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>If you suffer an accident at work, it is crucial that this <strong>immediately<\/strong> is reported to the relevant professional association, no matter how minor the complaints are. <strong>unforeseeable long-term consequences<\/strong> which only arise after a few days, weeks, months or even years, insurance cover is only available if a <strong>proper notification to the professional association<\/strong> immediately after the accident. <\/p>\n\n\n\n<p>Otherwise, it will be difficult to prove that the pain was caused by a past accident, and the case will not be insured. Therefore, you should make sure that <strong>Your employer<\/strong> every work accident immediately to the employers\u2019 liability insurance association <strong>reports<\/strong>in order to protect yourself against unforeseeable long-term consequences and to safeguard claims to benefits from statutory accident insurance.<\/p>\n\n\n\n<div class=\"container p-6 my-5 mx-auto border border-cta\">\n  <div class=\"flex flex-col sm:flex-row sm:items-center items-start mx-auto\">\n    <p class=\"flex-grow sm:pr-16 text-2xl font-medium title-font text-gray-500 sm:no-outer-space\">Under certain circumstances, the lawsuit against the professional association could be financed through a litigation funder.<\/p><a class=\"btn-cta whitespace-nowrap no-outer-space\" href=\"\/en\/kontakt\/\" target=\"_blank\" rel=\"noopener\">Request more information<\/a>\n  <\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"rente_abfindung\">Reduced employment \u2013 When is one entitled to a pension or severance payment?<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"512\" src=\"https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Arbeitsunfall_Erwerbsminderung_Rente_Abfindung-1024x512.jpg\" alt=\"Minderung der Erwerbst\u00e4tigkeit\" class=\"wp-image-8025\" title=\"Reduction in employment\" srcset=\"https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Arbeitsunfall_Erwerbsminderung_Rente_Abfindung-1024x512.jpg 1024w, https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Arbeitsunfall_Erwerbsminderung_Rente_Abfindung-300x150.jpg 300w, https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Arbeitsunfall_Erwerbsminderung_Rente_Abfindung-768x384.jpg 768w, https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Arbeitsunfall_Erwerbsminderung_Rente_Abfindung-1536x768.jpg 1536w, https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Arbeitsunfall_Erwerbsminderung_Rente_Abfindung.jpg 1800w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Your reduction in earning capacity must be determined by an expert, independent, medical BG expert and in the case of <strong>at least 20 percent<\/strong> in order to be entitled to a pension or severance payment. These 20 percent do not only refer to your current professional field, but also to the <strong>general labor market<\/strong>. <\/p>\n\n\n\n<p>The reduction in earning capacity describes your percentage loss of earning opportunities (professions) that you have due to your injuries and the resulting <strong>permanent consequential damage<\/strong> can no longer perform. Before your injury pension is paid out, however, you must first undergo a successful healing process through rehabilitation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"unterst\u00fctzung_arbeitsunfall\">How we can support you after an accident at work<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"512\" src=\"https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Arbeitsunfall_UNterstuetzung-1024x512.jpg\" alt=\"Arbeitsunfall Unterst\u00fctzung\" class=\"wp-image-8026\" title=\"Work accident support\" srcset=\"https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Arbeitsunfall_UNterstuetzung-1024x512.jpg 1024w, https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Arbeitsunfall_UNterstuetzung-300x150.jpg 300w, https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Arbeitsunfall_UNterstuetzung-768x384.jpg 768w, https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Arbeitsunfall_UNterstuetzung-1536x768.jpg 1536w, https:\/\/smart-arbeitsrecht.de\/wp-content\/uploads\/2024\/02\/Arbeitsunfall_UNterstuetzung.jpg 1800w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>If you wish to assert claims for pension and severance pay against your employer&#039;s liability insurance association following a work-related accident, you can count on us. The lawyers at Matthies Rechtsanw\u00e4lte have extensive experience and expertise in enforcing your rights against employer&#039;s liability insurance associations. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Broad network of specialized doctors for work-related accidents<\/h3>\n\n\n\n<p>Not only do they rely on tried and tested strategies that have proven successful in disputes with the employers\u2019 liability insurance association, they also have access to a <strong>specialized medical network<\/strong>, so that the course can be set early on to be successful against the employers&#039; liability insurance association.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Litigation funder covers costs after work accident<\/h3>\n\n\n\n<p>The question of costs also often arises. Matthies Rechtsanw\u00e4lte works with a <strong>Litigation funders<\/strong> who, after prior examination, will estimate the costs of the <strong>Legal dispute against the professional association<\/strong> Please contact us so we can check whether your case is eligible for litigation funding. If your application is successful, you will receive a <strong>individual litigation financing offer<\/strong>.<\/p>\n\n\n\n<p>In this way, you can significantly increase your chances of having your work-related accident or occupational disease recognized.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"faq\">FAQs \u2013 Frequently Asked Questions about Workplace Accidents<\/h2>\n\n\n\n\n<div id=\"smart-column-block_8a639d89b52011ae92ee0936b98b4686\" class=\"smart-column flex flex-col\">\n                                    <div class='mobile-even-row order-1 md:order-none' >\n                \n<div class=\"smart-container\" >\n    \n    <div class=\"flex flex-wrap\">\n        \n                                            <div class=\"w-full lg:w-full\">\n                    <div class=\"h-full\">\n                        <div class=\"h-full p-1\">\n                        \n<div class=\"mx-auto\">\n            <div class=\"mb-4\">\n            <div class=\"faq-question flex items-center justify-between bg-gray-200 pl-3 pr-2 py-3 w-full rounded text-gray-600 font-bold cursor-pointer hover:bg-gray-300\">\n                When is a workplace accident legally considered to have occurred?                <span class=\"h-6 w-6 flex items-center justify-center text-teal-500\"><i class=\"fa-add\"><\/i><\/span>\n            <\/div>\n            <div class=\"faq-answer hidden p-3\">\n                <div class=\"text-gray-600 mb-3\">\n                    An accident is defined as a time-limited event that acts on the body from the outside during an insured activity. Those insured include, in particular, employees, but also certain self-employed individuals. Commuting accidents are also covered by the insurance.                <\/div>\n            <\/div>\n        <\/div>\n\n                    <div class=\"mb-4\">\n            <div class=\"faq-question flex items-center justify-between bg-gray-200 pl-3 pr-2 py-3 w-full rounded text-gray-600 font-bold cursor-pointer hover:bg-gray-300\">\n                What benefits does the employers&#039; liability insurance association pay after a workplace accident?                <span class=\"h-6 w-6 flex items-center justify-center text-teal-500\"><i class=\"fa-add\"><\/i><\/span>\n            <\/div>\n            <div class=\"faq-answer hidden p-3\">\n                <div class=\"text-gray-600 mb-3\">\n                    The employers&#039; liability insurance association covers medical treatment, rehabilitation, assistive devices, and, after the end of continued wage payments, injury compensation. In cases of permanent damage, an injury pension or a lump-sum settlement may also be considered.                <\/div>\n            <\/div>\n        <\/div>\n\n                    <div class=\"mb-4\">\n            <div class=\"faq-question flex items-center justify-between bg-gray-200 pl-3 pr-2 py-3 w-full rounded text-gray-600 font-bold cursor-pointer hover:bg-gray-300\">\n                From what point does one become entitled to an injury pension?                <span class=\"h-6 w-6 flex items-center justify-center text-teal-500\"><i class=\"fa-add\"><\/i><\/span>\n            <\/div>\n            <div class=\"faq-answer hidden p-3\">\n                <div class=\"text-gray-600 mb-3\">\n                    An entitlement to an injury pension exists if the degree of disability (reduction in earning capacity) is permanently at least 20 percent. The assessment is based on a medical report.                <\/div>\n            <\/div>\n        <\/div>\n\n                    <div class=\"mb-4\">\n            <div class=\"faq-question flex items-center justify-between bg-gray-200 pl-3 pr-2 py-3 w-full rounded text-gray-600 font-bold cursor-pointer hover:bg-gray-300\">\n                How is the reduction in earning capacity determined?                <span class=\"h-6 w-6 flex items-center justify-center text-teal-500\"><i class=\"fa-add\"><\/i><\/span>\n            <\/div>\n            <div class=\"faq-answer hidden p-3\">\n                <div class=\"text-gray-600 mb-3\">\n                    The degree of disability (MdE) is determined by an independent medical expert. The assessment considers not only the previous occupation but also the general labor market. This evaluation is often decisive in legal disputes.                <\/div>\n            <\/div>\n        <\/div>\n\n                    <div class=\"mb-4\">\n            <div class=\"faq-question flex items-center justify-between bg-gray-200 pl-3 pr-2 py-3 w-full rounded text-gray-600 font-bold cursor-pointer hover:bg-gray-300\">\n                What does MdE (degree of disability) specifically mean for those affected?                <span class=\"h-6 w-6 flex items-center justify-center text-teal-500\"><i class=\"fa-add\"><\/i><\/span>\n            <\/div>\n            <div class=\"faq-answer hidden p-3\">\n                <div class=\"text-gray-600 mb-3\">\n                    The degree of disability (MdE) describes the extent to which your earning potential is limited as a result of the accidents. It determines the amount and eligibility for a pension or severance payment.                <\/div>\n            <\/div>\n        <\/div>\n\n                    <div class=\"mb-4\">\n            <div class=\"faq-question flex items-center justify-between bg-gray-200 pl-3 pr-2 py-3 w-full rounded text-gray-600 font-bold cursor-pointer hover:bg-gray-300\">\n                What to do if the employers&#039; liability insurance association rejects claims?                <span class=\"h-6 w-6 flex items-center justify-center text-teal-500\"><i class=\"fa-add\"><\/i><\/span>\n            <\/div>\n            <div class=\"faq-answer hidden p-3\">\n                <div class=\"text-gray-600 mb-3\">\n                    If a pension or severance payment is rejected, those affected can file an objection to the decision. This step is mandatory before a lawsuit can be filed.                <\/div>\n            <\/div>\n        <\/div>\n\n                    <div class=\"mb-4\">\n            <div class=\"faq-question flex items-center justify-between bg-gray-200 pl-3 pr-2 py-3 w-full rounded text-gray-600 font-bold cursor-pointer hover:bg-gray-300\">\n                What role does the DGUV play in the process?                <span class=\"h-6 w-6 flex items-center justify-center text-teal-500\"><i class=\"fa-add\"><\/i><\/span>\n            <\/div>\n            <div class=\"faq-answer hidden p-3\">\n                <div class=\"text-gray-600 mb-3\">\n                    The DGUV (German Social Accident Insurance) sets binding guidelines for assessment and benefit provision. These guidelines are regularly used by employers&#039; liability insurance associations.                <\/div>\n            <\/div>\n        <\/div>\n\n                    <div class=\"mb-4\">\n            <div class=\"faq-question flex items-center justify-between bg-gray-200 pl-3 pr-2 py-3 w-full rounded text-gray-600 font-bold cursor-pointer hover:bg-gray-300\">\n                Does part-time work during parental leave affect parental allowance?                <span class=\"h-6 w-6 flex items-center justify-center text-teal-500\"><i class=\"fa-add\"><\/i><\/span>\n            <\/div>\n            <div class=\"faq-answer hidden p-3\">\n                <div class=\"text-gray-600 mb-3\">\n                    Yes. Part-time work can affect the amount of parental allowance. At the same time, the entitlement to parental leave itself remains, even if benefits are adjusted.                <\/div>\n            <\/div>\n        <\/div>\n\n                    <div class=\"mb-4\">\n            <div class=\"faq-question flex items-center justify-between bg-gray-200 pl-3 pr-2 py-3 w-full rounded text-gray-600 font-bold cursor-pointer hover:bg-gray-300\">\n                Who pays the contributions to statutory accident insurance?                <span class=\"h-6 w-6 flex items-center justify-center text-teal-500\"><i class=\"fa-add\"><\/i><\/span>\n            <\/div>\n            <div class=\"faq-answer hidden p-3\">\n                <div class=\"text-gray-600 mb-3\">\n                    The contributions to statutory accident insurance are paid solely by the company. Insured persons have no obligation to make their own contributions.                <\/div>\n            <\/div>\n        <\/div>\n\n                    <div class=\"mb-4\">\n            <div class=\"faq-question flex items-center justify-between bg-gray-200 pl-3 pr-2 py-3 w-full rounded text-gray-600 font-bold cursor-pointer hover:bg-gray-300\">\n                Why are medical reports so crucial?                <span class=\"h-6 w-6 flex items-center justify-center text-teal-500\"><i class=\"fa-add\"><\/i><\/span>\n            <\/div>\n            <div class=\"faq-answer hidden p-3\">\n                <div class=\"text-gray-600 mb-3\">\n                    A flawed or incomplete medical report can lead to the wrongful denial of insurance coverage or pension claims. A thorough medical assessment is crucial, especially in cases of long-term consequences.                <\/div>\n            <\/div>\n        <\/div>\n\n            <\/div>\n\n    <script type=\"application\/ld+json\">\n    {\n        \"@context\": \"https:\/\/schema.org\",\n        \"@type\": \"FAQPage\",\n        \"mainEntity\": [\n            {\n    \"@type\": \"Question\",\n    \"name\": \"Wann liegt rechtlich ein Arbeitsunfall vor?\",\n    \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Ein Unfall liegt vor, wenn ein zeitlich begrenztes, von au\u00dfen auf den K\u00f6rper einwirkendes Ereignis w\u00e4hrend einer versicherten T\u00e4tigkeit eintritt. Versicherte sind insbesondere Arbeitnehmende, aber auch bestimmte Selbst\u00e4ndige. 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