Persons insured in other countries
In most cases, work performed in Finland must be insured in Finland, regardless of the employee’s nationality. Posted workers (from the EU or EEA Member States, Switzerland or countries that have signed the European Convention on Social Security) are an exception to this rule. A posted worker is issued the certificate A1 (or E101) demonstrating that the worker’s insurance cover has been taken out in the country of origin and there is no need to insure him or her in Finland. If the injured person is a posted worker, the employer must contact the Workers’ Compensation Center (TVK) in the case of an occupational accident or disease.
In Finland, TVK is the competent authority for handling the duties assigned to the institution of the place of residence or stay, based on the regulations on social security co-ordination. TVK can, therefore, compensate for the benefits in kind arising in Finland from an occupational accident or disease in the case of:
- posted worker (from the EU or EEA Member States, Switzerland or countries that have signed the European Convention on Social Security) who has been injured in an occupational accident in Finland, provided that the worker has been issued the certificate A1 / E101 in the country of origin and that the certificate is valid at the time of the accident; and
- employee who has been injured in an occupational accident or exposed to a factor causing an occupational disease abroad (from the EU or EEA Member States, Switzerland or countries that have signed the European Convention on Social Security) and who then moves or returns to Finland.
EU Member States: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, the United Kingdom.
EEA Member States: Iceland, Liechtenstein, Norway.
Signatories to the European Convention on Social Security in matters of occupational accidents and diseases: Israel, Quebec.
In the case of an occupational accident or disease occurring to a posted worker, the following information must be sent to TVK:
injured person’s personal details and address, both in the home country and the country of work;
- employer’s name and address; and
- information about the posted worker’s certificate (A1 / E101 form) or a copy of the certificate.
The health care provider usually sends the invoices payable for medical care and other documents to TVK. The employee or the employer can also send the invoices related to the accident (such as travel and medication expenses) to TVK.
If the injured person has been posted abroad from Finland, the accident or disease case will be processed by the employer’s insurer.
When occupational accident or disease occurs abroad
If the occupational accident or disease occurred abroad (in an EU or EEA Member State, Switzerland or country that has signed the European Convention on Social Security) and the injured person has since moved or returned to Finland and has received medical care for the injury, the following information must be sent to TVK:
- personal and address details and the name and address of the employer at the time of the accident;
- medical reports; and
- invoices related to the accident in Finland (such as travel and medication expenses) and any other relevant documents.
These instructions also apply if the injured person has been exposed to an occupational disease abroad.
Compensation is paid subject to payment authorisation
In the above cases, the competent country decides whether compensation can be paid for the occupational accident. In the case of posted workers, the competent country is the country of origin.
In the case of a person who has been injured in an occupational accident or exposed to a factor causing an occupational disease abroad and who then moves to Finland, the competent country to decide on compensability is the country of work.
TVK must always ask the competent country for a payment authorisation before it can pay compensation for occupational accidents or diseases. If the competent country does not issue a payment authorisation, compensation cannot be paid for the expenses incurred in Finland.
What is compensated?
Institutions of the country of residence or stay pay compensation pursuant to the legislation in their own country. In Finland, TVK pays compensation under the Workers’ Compensation Act. Having received payment authorisation, TVK can pay compensation for the medical benefits (benefits in kind) that have resulted from the accident. These include benefits such as:
- medical expenses (examination and treatment of the injury or illness);
- medication expenses and health care supplies;
- travel and accommodation expenses;
- expenses arising from medical rehabilitation provided as medical treatment; and
- expenses arising from medical rehabilitation aids.
Monetary benefits (such as the loss of income compensation) are paid by the competent country.
TVK processes the matter in accordance with the Workers’ Compensation Act. When the case has been resolved, the decision is sent to the injured person. The decision can be appealed. Invoices related to the matter should always be sent to TVK, even when the claimant is not sure whether they are compensable.
If the insurance cover has been taken in another country, the processing times may be lengthy, sometimes several months, because payment authorisation must be requested from the country of origin.
If you have any questions, please contact the compensation unit, tel. +358 404 504 210. Our postal address is Itämerenkatu 11-13, 00180 Helsinki, Finland