Compensation for other costs
The following costs related to a claim event are compensable under workers’ compensation insurance:
The necessary travel and accommodation expenses arising from medical care are compensable under workers’ compensation insurance.
Travel expenses arising from medical are can be caused by the travel to the medical appointment, treatments, examinations and physiotherapy.
Travel expenses to the nearest care provider offering the necessary care are compensable. When the insurance company issues a payment commitment, for example for surgery to be carried out by a certain care provider, the travel expenses to this care provider will be compensable.
As a rule, travel expenses are compensable in accordance with the cost of using public transport.
If a private car is used for the journey, the injured person is paid compensation as travel costs for half of the tax-free mileage allowance annually confirmed by the Tax Administration.
Compensable travel expenses can arise, for example, when, due to the long distance, the injured person must arrive at the location of the care provider a day before the treatment.
Compensation is paid for the travel and accommodation expenses incurred by an escort if the escort was necessary during the journey.
Compensation for travel and accommodation expenses must be applied separately by providing the insurance company with information about the expenses incurred. Compensation must be applied within one year after the costs were incurred.
Rehabilitation compensations also include compensation for travel and accommodation expenses.
If the injury or illness reduces the injured person to such a state of helplessness that he or she cannot manage without another person’s help, he or she will be paid a care allowance under workers’ compensation insurance. The injured person is also entitled to care allowance when a severe injury or illness otherwise causes him or her exceptional difficulties.
The Workers’ Compensation Act providers for three care allowance categories. The description of the injury or illness determines the allowance category.
Maximum care allowance is paid if the employee needs continuous, daily and time-consuming care, help, supervision or guidance due to his or her injury or illness.
Increased care allowance is paid if the employee needs daily and regular care, help, supervision or guidance due to his or her injury or illness.
Basic care allowance is paid if the employee needs regular care, help, supervision or guidance in some daily activities due to his or her injury or illness.
Costs arising from the employment of a personal assistant are not compensable, as the compensation is paid in the form of care allowance.
Care allowance is a tax-exempt compensation.
Care allowance is, however, not paid for a period during which the injured person is treated in a hospital or other institution.
Clothing supplement is paid under workers’ compensation insurance if, due to the compensable claim event, the injured person uses a prosthesis or support bandage which causes exceptional wear and tear on clothing. The clothing supplement can be paid if the injured person uses the assistive device for a minimum of three months.
The Workers’ Compensation Act provides for two clothing supplement categories (clothing supplement and increased clothing supplement). The payment category depends on the assistive device used.
Clothing supplement is paid if the employee uses an assistive device made of soft materials, a support or dressing for the body to be used in a small area or any other assistive device or aid that is likely to cause wear and tear on clothing.
Increased clothing supplement is paid if the employee has double amputation or he or she uses a thigh or leg prosthesis, long support bandage for a lower extremity, body support vest or corset made of a hard material or any other assistive device or aid which, due to its structure, purpose or high usage is likely to cause exceptional wear and tear on clothing comparable to those referred to above.
Clothing allowance is a tax-exempt compensation.
If the injured person cannot perform housekeeping, a reasonable compensation is paid under workers’ compensation insurance for the necessary additional housekeeping costs.
Housekeeping refers to cleaning, laundry, childcare, grocery shopping and similar housekeeping tasks, such as clearing snow in winter. However, walking pets is not included in housekeeping.
Compensation is paid if the family cannot manage the household themselves. Outside help is, therefore, compensable only if the injured person does not have a family or the children are too young to participate in housekeeping tasks. For example, a single parent needs outside help while having hospital treatment due to the injury or a person living alone cannot clean the house due to the accident.
Compensation is paid for up to a year from the date of the claim event for necessary and reasonable expenses. As a rule, this means tasks such as basic cleaning and the payment amount being determined in accordance with the municipal rates.
An injured person who needs personal assistance (for example washing and moving around) due to the injury or illness will be paid care allowance.
Compensation for additional housekeeping costs must be applied separately by providing the insurance company with information about the expenses incurred. Compensation must be applied within one year after the costs were incurred.
Compensation is paid under workers’ compensation insurance for the following items that have broken during the claim event:
- hearing aids;
- orthopaedic dressings and back braces; and
- artificial limbs, joints or organs.
Compensation is paid if the object has broken during the compensable claim event, i.e. the incident must have caused the injury or illness.
In addition, the injured person is compensated for torn clothes and the repair of rings broken during medical treatment. Compensation is paid if the matter has been mentioned in the medical report.
Compensation is not paid for other material damage, such as clothes, mobile phone, bicycle or cycle helmet that have broken during the occupational accident are not compensable.
Compensation for material damage must be applied separately by providing the insurance company with information about the expenses incurred. Compensation must be applied within one year after the costs were incurred.