Workers’ compensation insurance covers the rehabilitation costs of employees if
- the employee’s ability to work, functional ability or opportunities to earn a living have deteriorated as the result of the injury or illness, or
- it is likely that the employee’s ability to work, functional ability or opportunities to earn a living may substantially deteriorate in the future as the result of the injury or illness.
Workers’ compensation insurance covers necessary travel and accommodation expenses caused by rehabilitation. More information on compensation for travel and accommodation costs
The insurance covers reasonable costs of vocational rehabilitation that enable the employee to continue in their former line of work or occupation or transfer to new duties or occupation from which they can earn their main income.
An injured person who studies for a new job or occupation after an occupational accident or occupational disease is compensated for costs arising from the studies and study equipment.
The insurance compensates for additional costs arising from assisted living in accordance with the statutory compensation rate. Compensation for additional cost arising from assisted living is paid to the municipality offering the facility, provided that the municipality has issued a decision on assisted living. The employee is paid care allowance to compensate for the costs arising from the need to employ outside help.
The insurance may compensate for assistive devices which a severely injured employee requires for necessary mobility and for coping in daily functions at home or during leisure time. Such aids may include alterations and additional equipment required for the car, and sports-specific assistive devices for exercising.
After a severe injury sustained in an occupational accident, the employee may require home adaptations in order to live independently. These include, among others, widening doorframes and alterations to the kitchen and bathrooms.
The insurance covers necessary home alteration work due to functional limitations caused by a severe injury. Ordinary home modernisations related to maintaining a standard of housing are not covered. The need for alterations must arise from a compensable claim event and the functional limitations caused by the injury.
If the occupational accident or occupational disease causes a severe visual, auditory or speech defect, the injured person may require the assistance of an interpreter. The insurance covers interpreting services up to the amount which the Social Insurance Institution of Finland provides under the Act on interpretation services for persons with disabilities.
Adaptation training refers to the guidance and training given to the employee and his/her family after the injury. Training courses are held by disability organisations and rehabilitation providers. Adaptation training courses are covered by workers’ compensation insurance on a case-by-case basis.