Compensation before 2016
The purpose of statutory accident insurance is to compensate for losses caused by an accident at work or an occupational disease.
An accident at work is defined in the Employment Accidents Act and an occupational disease is defined in the Occupational Disease Act. Both in cases of accidents at work and occupational diseases, the compensation is determined according to the Employment Accidents Act.
Applying for compensation
If an accident at work occurs or an occupational disease is suspected, the following instructions should be followed:
- The employee must report the matter immediately to the employer.
- The employer provides the injured person an insurance report to be submitted to the provider of medical advice.
- The employer reports the accident or the occupational disease to the insurance institution by using an accident notification form. The form contains details of employment (such as salary data), the work concerned and the circumstances in which the accident occurred.
- Serious accidents should also always be reported to the police and the labour protection authorities. A serious accident is one that causes a serious injury or death. A serious injury is one that is very likely to be permanent and complicates normal life.
- For further instructions, please contact the employer’s accident insurance institution.
If the employer has no valid insurance policy
If an accident occurs and the employer has no statutory accident insurance policy, the accident is reported to the Federation of Accident Insurance Institutions.
Incidents to be compensated
A statutory accident insurance policy covers accidents at work and occupational diseases. These terms are defined in the Employment Accidents Act and in the Occupational Disease Act and the Occupational Disease Decree.
Accidents at work and occupational diseases are compensated from a statutory accident insurance policy.
In both cases, compensations are determined according to the Employment Accidents Act.
Employment Accidents Act (in Finnish)
Compensation paid under the Employment Accidents Act take priority over other statutory compensations. This means that every case is first dealt with and compensated as an accident at work or an occupational disease.
The amount of compensation is provided for in legislation, and for this reason, other losses are not compensated under the accident insurance.
Possible forms of compensation are:
- costs of medical treatment
- certain damage to property
- increased costs incurred from home help
- handicap supplement
- clothing supplement
- provision of a guide dog, a guide dog supplement
- compensation for loss of earnings due to physical therapy
- other compensation for loss of earnings
- daily allowance
- accident pension
- handicap allowance
- rehabilitation compensation
- compensation for death
- funeral allowance
- surviving spouse’s pension
- child’s pension.
The listed forms of compensation concern accidents and occupational diseases occurred in 1982 or later.
Matters related to accidents at work and occupational diseases are processed by insurance institutions.
The following figure shows the principal participants in the process of researching and settling cases of accidents at work or occupational diseases.
[picture about compensation procedure]
The legal provisions to be followed in the settlement of claims are those of the Administrative Procedure Act and the special provisions of the Employment Accidents Act. This section contains information on how insurance institutions process compensation matters, how decisions are made and how a decision can be appealed.