After an insured event, you are entitled to a pension from the statutory accident insurance under certain conditions.
If the full labor market is closed to you, you will be granted a full pension. This amounts to two-thirds of your annual salary.
If you have a reduction in earning capacity (MdE), you will receive a partial pension. This is calculated on a percentage basis and depends on:
- the degree of your incapacity for work
- the amount of your annual earnings
- The annual earnings are the total amount of remuneration and income in the 12 months preceding the month in which the insured event occurred.
Insured events are:
- Occupational accidents,
- commuting accidents (for example, on the way to work),
- occupational diseases.
You will receive a pension if:
- Your earning capacity is permanently reduced as a result of one or more insured events (MdE),
- the consequences of previous insured events worsen over time.
The MdE indicates the extent to which your working possibilities are restricted. Your entire working life is taken into account.
For young insured persons, the MdE is based on the effects that would result for adults with the same health impairment.
There are minimum and maximum limits for annual work earnings. For persons of full age, the minimum limit is 60 percent of the current reference figure. This is the average income of all insured persons under the statutory pension insurance scheme. The maximum limit for earnings is twice the reference amount in the year of the accident.
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