National accident insurance. Comprehensive Accident Insurance Coverage: Financial Protection for Unexpected Injuries

What is accident insurance and how does it work. How can accident insurance provide financial support for unexpected medical expenses. What types of accidents and injuries are typically covered by accident insurance policies. How much does accident insurance cost and is it worth the investment. How does accident insurance complement existing health insurance coverage.

Table of Contents

Understanding Accident Insurance: A Crucial Safety Net

Accident insurance is a specialized form of coverage designed to provide financial support in the event of unexpected injuries. This type of insurance offers a lump sum payment to help cover expenses that may not be fully addressed by traditional medical insurance plans. As accidents can occur at any time and often lead to unforeseen costs, having accident insurance can offer peace of mind and financial security for individuals and families.

Key Features of Accident Insurance

Lump sum payments paid directly to the policyholder
Coverage for a wide range of accident-related events
Benefits paid regardless of other insurance coverage
No medical exam required for enrollment
Portable coverage that can be maintained even with changes in employment

The Scope of Accident Insurance Coverage

Accident insurance policies typically cover a broad spectrum of injuries and related expenses. These may include:

Sports injuries
Auto accidents
Bicycle accidents
Broken bones
Knee injuries
Falls

The coverage extends beyond just the immediate medical treatment, often encompassing additional costs such as transportation, childcare expenses, and follow-up care. This comprehensive approach ensures that policyholders have financial support for various aspects of their recovery process.

Bridging the Gap: How Accident Insurance Complements Health Coverage

While many individuals have health insurance, accident insurance serves as a valuable complement to existing coverage. How does accident insurance fill potential gaps in medical coverage? Accident insurance can help cover expenses that traditional health insurance may not fully address, such as:

Deductibles
Copays
Out-of-network care costs
Non-covered services

By providing additional financial support, accident insurance helps mitigate the impact of unexpected medical expenses, allowing individuals to focus on recovery rather than financial strain.

The Financial Impact of Accidents: A Case Study

To illustrate the potential benefits of accident insurance, consider the following scenario:

Kathy’s daughter, Molly, sustained injuries during a soccer game, including a concussion and a broken tooth. The incident required emergency room treatment, medical testing, and follow-up care. With accident insurance coverage, Kathy received a lump sum payment totaling $1,350 to help cover the following expenses:

Ambulance (ground): $300
Emergency Care: $100
Medical Testing: $200
Concussion: $400
Physician Follow-Up: $150
Broken Tooth (repaired by crown): $200

This example demonstrates how accident insurance can provide substantial financial support in the wake of unexpected injuries, helping to alleviate the burden of medical expenses.

Eligibility and Enrollment: Simplified Process for Peace of Mind

One of the key advantages of accident insurance is its accessibility. How easy is it to enroll in accident insurance coverage? The enrollment process is typically straightforward, with several notable features:

No medical exam required
Guaranteed coverage for eligible individuals
Option to enroll family members
Enrollment available during designated periods

This simplified approach to enrollment ensures that individuals can secure coverage without the need for extensive health assessments or complex application procedures.

Flexibility and Portability: Adapting to Life Changes

Life circumstances can change, but accident insurance is designed to adapt to these shifts. How does the portability of accident insurance benefit policyholders? The portable nature of accident insurance means that coverage can be maintained even if employment status changes. This flexibility ensures continuous protection, provided premiums are paid, and offers peace of mind during career transitions or other life changes.

Cost Considerations: Affordable Protection for Peace of Mind

When considering accident insurance, cost is naturally a key factor. How affordable is accident insurance for the average individual or family? Many accident insurance plans offer group employee rates, making coverage accessible at a relatively low cost. For example, some plans may be available for less than the price of a daily medium cup of coffee, making it a cost-effective option for added financial protection.

Factors Influencing Accident Insurance Premiums

Coverage level selected
Number of individuals covered (individual vs. family plans)
Optional riders or additional benefits
Group rates vs. individual policies

When evaluating the cost of accident insurance, it’s important to consider the potential financial impact of an accident without coverage. The relatively low premiums can provide significant peace of mind and financial protection in the event of unexpected injuries.

New Developments in Accident Insurance: Expanding Coverage Options

The landscape of accident insurance continues to evolve, with providers introducing new products and expanding coverage options. In June 2023, Washington National Insurance Company announced a new Accident Insurance product designed for both individual and worksite sales. This new offering provides additional choices for consumers seeking comprehensive accident coverage.

Features of Washington National’s New Accident Insurance Product

Four levels of coverage
Six optional riders
Lump-sum cash benefits paid directly to policyholders
Coverage for accident-related costs not typically covered by traditional health or disability insurance

These developments in the accident insurance market demonstrate the industry’s commitment to providing flexible and comprehensive coverage options to meet the diverse needs of consumers.

Maximizing the Benefits of Accident Insurance

To get the most out of accident insurance coverage, policyholders should be aware of how to effectively utilize their benefits. What steps can individuals take to maximize their accident insurance coverage?

Thoroughly review policy details and covered events
Keep documentation of all accident-related expenses
Promptly file claims for covered incidents
Consider additional riders or coverage options that align with specific needs
Regularly reassess coverage as life circumstances change

By taking a proactive approach to understanding and utilizing accident insurance benefits, policyholders can ensure they receive the full value of their coverage when it’s needed most.

The Role of Accident Insurance in Comprehensive Financial Planning

While accident insurance provides valuable protection, it’s important to consider its role within a broader financial planning strategy. How does accident insurance fit into an overall approach to financial security? Accident insurance should be viewed as one component of a comprehensive financial plan that may include:

Health insurance
Disability insurance
Life insurance
Emergency savings
Retirement planning

By incorporating accident insurance into a well-rounded financial strategy, individuals can create a more robust safety net to protect against various life events and financial risks.

Navigating the Claims Process: Ensuring Smooth Benefit Payments

Understanding the claims process is crucial for policyholders to receive their benefits promptly when needed. How does the claims process typically work for accident insurance? The general steps in the claims process often include:

Notifying the insurance provider of the accident
Completing necessary claim forms
Submitting supporting documentation (e.g., medical records, bills)
Review of the claim by the insurance company
Approval and payment of benefits directly to the policyholder

Many insurance providers strive to simplify this process, often offering online claim submission options and dedicated support to guide policyholders through the necessary steps.

The Future of Accident Insurance: Trends and Innovations

As the insurance industry continues to evolve, accident insurance products are likely to see further innovations and adaptations. What trends might shape the future of accident insurance? Some potential developments to watch for include:

Integration with digital health platforms and wearable technology
More customizable coverage options to meet individual needs
Enhanced claims processing through artificial intelligence and automation
Expanded coverage for emerging risks and activities
Greater focus on preventive measures and wellness incentives

These potential innovations could further enhance the value and accessibility of accident insurance, making it an even more integral part of personal financial protection strategies.

Comparing Accident Insurance Providers: Making an Informed Choice

With various accident insurance providers and products available, it’s important for consumers to compare options carefully. What factors should be considered when choosing an accident insurance provider? Key considerations may include:

Coverage options and benefit levels
Premium costs and payment flexibility
Company reputation and financial stability
Claims process efficiency and customer support
Additional features or riders available
Policy exclusions and limitations

By thoroughly evaluating these factors, individuals can select an accident insurance policy that best aligns with their specific needs and circumstances.

Educating Employees: The Role of Employers in Promoting Accident Insurance

For many individuals, access to accident insurance comes through employer-sponsored benefits programs. How can employers effectively educate their workforce about the value of accident insurance? Strategies for promoting accident insurance in the workplace may include:

Hosting informational sessions during open enrollment periods
Providing clear, concise materials explaining coverage options and benefits
Offering one-on-one consultations with benefits specialists
Sharing real-life examples or case studies demonstrating the value of coverage
Leveraging digital platforms to provide easily accessible information

By taking an active role in educating employees about accident insurance, employers can help ensure their workforce is well-informed about this valuable benefit option.

Accident Prevention: Complementing Insurance with Safety Measures

While accident insurance provides crucial financial protection, prevention remains a key aspect of overall safety and well-being. How can individuals complement their insurance coverage with effective accident prevention strategies? Some important safety measures to consider include:

Regular exercise to improve balance and coordination
Proper use of safety equipment in sports and recreational activities
Adherence to traffic laws and safe driving practices
Maintaining a safe home environment (e.g., removing tripping hazards)
Staying informed about workplace safety protocols

By combining proactive safety measures with comprehensive accident insurance coverage, individuals can create a robust approach to protecting themselves and their families from the physical and financial impacts of unexpected injuries.

Accident Insurance | National Grid

Accident insurance provides a lump sum payment to help pay for expenses that medical insurance may not cover if you are injured in an accident.

Accident Insurance

Take comfort knowing you have financial support for accidents

When unexpected injuries lead to unexpected expenses, your accident insurance can provide money to help pay for expenses such as medical bills, transportation costs and childcare expenses.

You’ll receive a lump sum payment to use as you see fit, paid directly to you
The plan pays no matter what your medical insurance covers
May cover accident-related events, such as: sports injuries, auto accidents, bicycle accidents, broken bones, knee injuries and falls

With group employee rates, you can get Accident Insurance coverage for less than the cost of your daily medium cup of coffee. ¹

View plan details

Accident Insurance Outline of Coverage

Here’s how it works:
Kathy’s daughter, Molly, plays soccer. During a recent game, Molly collided with an opposing player, was knocked unconscious and taken to the local emergency room (ER) by ambulance for treatment. The ER doctor diagnosed a concussion and a broken tooth. He also ordered a CT scan. After thorough evaluation, Molly was released to her primary care physician for follow-up treatment, and her dentist repaired her broken tooth with a crown. Luckily Kathy has accident insurance!

Covered Event2	Benefit Amount3
Ambulance (ground)	$300
Emergency Care	$100
Medical Testing	$200
Concussion	$400
Physician Follow-Up ($75x 2)	$150
BrokenTooth (repaired by crown)	$200
Kathy would get a lump-sum payment totaling $1,350 with MetLife Accident Insurance High Plan.

This example is for illustrative purposes only.

Benefits paid by MetLife Accident Insurance HighPlan

Accident Insurance FAQs

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Am I eligible to enroll for this coverage?

Yes, you can enroll both yourself and eligible family members. All you need to do is enroll during your enrollment period, and be actively at work.

I have medical insurance, so why do I need accident insurance?

Accidents can happen anytime, anywhere and always when you least expect them. What’s more they can be costly.

Even the best medical plans can leave you with expenses for services that just aren’t covered. Things like plan deductibles, copays, extra costs for out-of-network care, or non-covered services. Many people aren’t prepared to handle these costs, so having this additional financial support when the time comes may mean less worry for you and your family.

Can I enroll for this insurance without having a medical exam?

Yes. Your accident coverage is guaranteed⁴, regardless of your health. You just need to be actively at work to be covered. There are no medical exams to take and no health questions to answer, so the whole process might be easier than you first thought.

Are benefits paid directly to me or to my health care provider?

Payments will be paid directly to you, not to the doctors, hospitals or any other health care providers. And to make things even easier, the check is made payable to you. There’s no need to work it around any other insurance you may have. Benefits are paid no matter what your other insurance plans may cover.

If my employment status changes, can I take my coverage with me?

Yes. This coverage is portable, meaning you can take it wherever you go. Your coverage will only end if you stop paying your premium or if your employer offers you similar coverage with a different insurance carrier. ⁵

Can I use the benefit payment on anything I need?

Yes, you can use your payment as you see fit. Use it to help cover your medical insurance deductibles, copays, household bills, and more.

Washington National Announces New Accident Insurance Product

CARMEL, Ind., June 6, 2023 /PRNewswire/ — Washington National Insurance Company, a national provider of supplemental health and life insurance products for middle-income Americans, today announced its new Accident Insurance product. Available for individual and worksite sales, Accident Insurance offers financial protection in the form of lump-sum cash benefits paid directly to the policyholders when a covered accidental injury occurs.

Accident Insurance benefits can help policyholders pay for accident-related costs that aren’t covered by a traditional health or disability insurance plan. It includes four levels of coverage, six optional benefit riders, and built-in accidental dismemberment and death benefits. The optional Return of Premium/Cash Value benefit rider is a distinctly competitive feature in the marketplace that allows customers to get back 100% of their premiums paid, minus any claims incurred, at the end of the rider period.

“With the new Washington National Accident Insurance product, customers gain the extra protection they need in an emergency,” said Kari Desai, vice president, product development, CNO Financial Group, the parent company of Washington National. “Policyholders and their families have control over how they can use their Accident Insurance benefits, so that they can focus on healing and returning to everyday activities without additional financial stress, giving them peace of mind and financial security.”

According to the U.S. Department of Health and Human Services, the average cost of a non-fatal injury treated in an emergency room is $6,620,¹ and 57% of Americans can’t afford a $1,000 emergency expense.² Washington National’s new Accident Insurance complements consumers’ existing health insurance plans by paying lump-sum cash benefits directly to consumers, not to the doctor or hospital. This gives individuals and families the flexibility to use cash benefits without restrictions, including paying for everyday bills and expenses if the policyholder is unable to work.

Accident Insurance is available in 30 states: AK, AL, AR, AZ, FL, GA, HI, IA, IL, KS, KY, LA, ME, MI, MO, MS, MT, ND, NE, NH, NV, OK, PA, SC, SD, TX, WA, WI, WV, and WY, with additional states being added later this year.

To learn more about Washington National and its suite of voluntary benefits, which include accident, cancer, critical illness, heart and stroke, life, and hospital, visit WashingtonNational.com.

About Washington National

Washington National Insurance Company, a subsidiary of CNO Financial Group, Inc., has helped Americans since 1911 to protect themselves and their families from the financial hardship that often comes with critical illnesses, accidents or loss of life. The company’s supplemental health and life insurance products are designed to help give policyholders and their loved ones’ peace of mind. Policyholders can depend on Washington National to be a strong, caring partner in helping to provide financial security for them and their families. To learn more, visit WashingtonNational.com.

¹United States Department of Health and Human Services, Average medical cost of fatal and non-fatal injuries by type in the USA, https://stacks.cdc.gov/view/cdc/90013/cdc_90013_DS1.pdf, 2021.

²Fortune, 57% of Americans can’t afford a $1,000 emergency expense, says a new report. A look at why Americans are saving less and how you can boost your emergency fund, https://fortune.com/recommends/banking/57-percent-of-americans-cant-afford-a-1000-emergency-expense/, 2023.

SOURCE Washington National Insurance Company

For further information: Contacts: Susan. J. Villalobo Manager, External Communications CNO Financial Group [email protected]

Work accident insurance

How work accident insurance is carried out in 2019. Working in any company can be dangerous. And an accident can happen to any of the workers. That is why it is extremely important to know how insurance against industrial accidents is carried out in 2019. After all, the guarantee of receiving payments for treatment and compensation from the employer depends on this procedure.

General points:
Insurance is a mandatory procedure that every employer must complete in relation to an employee.
Thus, the system of Russian legislation provides for the payment of an insurance fee for each employee. Starting from January 1, 2019, the tax service of Russia begins to deal with all such fees.
It is she who will monitor the correctness of the calculations of these contributions and their payment on time.
There are several types of insurance – compulsory, social and voluntary. In all types, the amount of payment and insured events will differ. And this should be taken into account when drawing up a document.

General aspects

Based on the fact that all cases have now been transferred to the Russian Federal Tax Service, a more thorough review of all contributions will be carried out.
And fines for violations are also quite large. All mandatory payments for accident insurance are made by production.
When calculating wages, the employer deducts a fee from the Federal Tax Service of the Russian Federation from it. If an insured event occurs, then the following is carried out:
• provision of social protection;
• compensation in full for the harm caused;
• Prevention of injury and illness in the course of work.
It should be understood that without fail the victim is paid the amount necessary for the treatment. Moreover, he receives treatment absolutely free of charge.
If the worker has other types of insurance, he can claim payment from other places of insurance.

About the parties to the agreement

There are several parties involved in this insurance process. The first is the insurer.
In the case of accidental charges, the Social Insurance Fund acts as an insurance agent.

The Social Insurance Fund carries out procedures such as:

• registration of all enterprises that insure their employees;
• accept reporting on contributions;
• control the payment of insurance premiums.
Both Russian and foreign organizations act as insurers – all those who work in Russia or employ citizens of the Russian Federation.
Individuals must also pay this insurance premium. This happens in those conditions when an individual hires those citizens who have insurance.
As for the insured persons themselves, these are exclusively natural persons. They may work on the basis of:
• an employment contract;
• civil law agreement.
In this case, in the latter case, it is necessary to place in the document a clause stating that it is the insured who pays all the contributions.

Legal framework

Federal Law No. 125-FZ “On Compulsory Social Insurance against Occupational Accidents and Occupational Diseases” provides all the conditions and provisions for the full insurance procedure for employees of enterprises.
Therefore, the employee has every right to claim insurance from his employer. The amount of the insurance payment is determined as a percentage of the amount of the insurance fee.
In this case, a special tariff scale is used. It is constantly updated and requires the payment of amounts corresponding to the costs of treatment.
This is discussed in chapter 2. All points of payments and insurance coverage are indicated here. All contributions are determined according to the risks of working in a particular area.
Decree of the Government of the Russian Federation No. 713 contains rules according to which it is necessary to determine the risks in the profession, and allow calculating the tariff fee for insurance.
But both discounts and surcharges on tariffs are approved by law. This is stated in more detail by the Decree of the Government of the Russian Federation No. 524.
How to calculate this indicator is stated in the order of the Ministry of Labor and Social Protection of the Russian Federation No. 39n.
The administration of insurance premiums has also been transferred to the Tax Service of the Russian Federation. To do this, Article 24 appeared in the Tax Code in part 2. She talks about insurance premiums and the features of working with them.

Procedure for provision in Russia

In order to receive an insurance payment, you need to perform a number of simple steps:

Seek medical attention To report the injury
Notify the insurer This must be done within 30 days. The usual form of notification is a statement. It should be sent along with supporting documents to the insurer
Wait for review Usually this procedure takes from 10 to 60 days. If litigation arose during the injury, then the payment is made only after the end of this process

It is worth noting that the heir of the insured or another person specified in the contract may claim to receive payment in the event of the death of the insured.
The amount of the insurance payment can be disputed. This is done by submitting an application to the Central Bank of the Russian Federation.

Drawing up a contract

The only document that regulates the provision of insurance benefits is an insurance contract.
It must be concluded with the insurance company in paper form – only with the help of such a document can you protect your rights in court and demand a change in the amount of compensation in case of disagreement.
The insurance company draws up the contract document on its own. Since in most cases a standard form is used.
Only numbers can change in it – depending on the amount of deductions that will be made.
The contract is made in duplicate – so that one can be received by the insured, and the other is given to the insured.
In the event of an accident, this document is provided to receive payment. When concluding a transaction, you should familiarize yourself with all the clauses of this document and read it carefully in order to understand all the features of the agreement.
Since not all insured events can be taken into account in this document.
Main types
There are several types of insurance that an employee can take out in an accident plan. Thus, the legislation provides for mandatory, social and voluntary registration of insurance.
All these types are distinguished only by the fact that voluntary insurance is the type of insurance that an employee receives at his own request and in any insurance agency.
Plus, you need to understand that insurance may not cover all the costs of treatment and rehabilitation.
Therefore, you need to prepare to protect your rights in any case. This is the only way you can expect to receive the greatest compensation.

Mandatory

Compulsory social insurance is the type of payment provided by the Social Insurance Fund.
It is through this organization, at the expense of the employer’s deductions, that the state pays funds for insurance.
Payments can be made both in the form of a one-time compensation and monthly insurance payments. In some cases, you can expect to receive payments for additional expenses.
Insurance of this type includes not only payment in the course of temporary inability to work, but is also provided for a complete loss of ability to work.
Even in the event of the death of the insured, his relatives can count on receiving compensation under the insurance.
It should be taken into account that all payments will be made in accordance with the indicators for the amounts that are set on the day when the payment is calculated.
Compulsory insurance must be issued to military personnel, police and judicial officials, the Ministry of Emergency Situations and several other categories of citizens. They are the most likely to be at risk of injury at work.

Social

Social insurance is the same compulsory insurance. There are no differences between them and they are one and the same insurance option. Therefore, all functions and features are the same for them.
And in the case of registration of compulsory social insurance, the insured person receives a policy, based on which he can apply for compensation and insurance payments.

Voluntary

In the situation with voluntary insurance, the whole situation is much simpler. A person has the opportunity to independently choose an insurer company, depending on their needs and preferences.
In addition, it should be understood that this type of insurance may not be issued. This is an additional guarantee of receiving a payment. And it can concern not only an accident.
The peculiarity of this insurance is that the opening of an insurance account occurs in accordance with the application submitted by an individual or a legal entity – if it is corporate insurance.
Another aspect is the fact that the individual will pay insurance premiums on his own, and not the company will automatically collect fees from him.

Contributions for insurance against industrial accidents and occupational diseases

Industrial accident insurance rates 2019 are based on the indicator of which occupational risk class the position of the insured person belongs to.
It is in accordance with them that the amount of payment is formed, which the employer must transfer to the FSS.
There are 32 classes in total – the amounts increase by 0.1 percentage point in each class step. So, at the beginning – at the first stage, the tariff rate will be equal to 0.2%.
The increase of 0.1% will last until grade 14 and amount to 1.5%. Then the increase from 15th to 19th grade will be 0.2% each, from 20th to 23rd – 0.3%.
And further in this algorithm:

Class Tariff, %
24 4.1
25 4.5
26 5
27 5.5
28 6.1
29 6.7
30 7.4
31 8.1

But the last class – the 32nd will be 8.5%.

How the fund is formed

The Social Insurance Fund of the Russian Federation is formed at the expense of several income items:
1. Mandatory contributions from those who are insured – deductions from wages.
2. Fines and penalties resulting from late filing of fees or payment of fees.
3. Capitalization of liquidated policyholders.
This is the main block, but in some cases, the FSS may receive funds from other legal sources.
Insurance in Russia is well developed, so each employee can be protected from an accident at the place of work or a disease associated with the profession.
Therefore, the state provides compulsory insurance for all employees.

National insurance – איתן זבולון ושות’

Indeed, the National Insurance Institute is responsible for the provision of services and social assistance to citizens, but the bureaucratic labyrinths and confusion that a citizen has to face require skills, knowledge and extensive experience in this area, especially when the relevant laws and issued on their basis The regulations are numerous and very cumbersome and are updated every year. There are many cases where people do not get all they are entitled to and in full, if at all, from the National Insurance Institute, and the main reason for this is that people go to this huge and bureaucratic institution alone, without any – any experience and without a lawyer who specializes in this area, which leads to the rejection of his claims by the institution or does not achieve a fair and appropriate result in the circumstances of the case.

The law states that in order to receive a benefit or payment for the rights listed in the law, it is necessary to apply in advance to the National Insurance Institute. Some of the procedures are simple and can be done by filling out a special form such as an application for unemployment benefits and a lump sum for the birth of a child, and some are complex and require prior knowledge and understanding of what is being done from both a legal and practical point of view. .

Special services allowance – paid to an insured person aged 18 to retirement age who is heavily dependent on the help of others in daily household chores (eating, personal hygiene, moving around the house, bathing and dressing ), or the insured person needs supervision in order to prevent danger to himself or others. The benefit is also paid to patients undergoing chemotherapy, dialysis, ventilators and transplant patients.

It is important to note that the term “medical disability” refers only to the degree of medical disability to be determined by the results of examinations and tests, as defined in the National Insurance Regulations (Determination of the degree of disability in victims of industrial accidents) of 1956 ., and only after determining the degree of disability in %, if the degree of medical disability entitling to the allowance is established, the doctor of the Commission of the Office determines the degree of disability. The amount of the monthly allowance is calculated based on the percentage of disability, but if the insured person is able to return to full or part-time employment, according to the opinion of the commission doctor, the insured person will be invited to a meeting with a rehabilitation specialist so that he can give his opinion on this issue.

Insurance from accidents accidents at production – designed to compensate for loss of income to the insured to a person injured in an accident at work and to provide assistance for recovery and return to work . The purpose of the law is to provide lifelong free medical care and treatment in everything related to an accident at work, as well as vocational rehabilitation, financial compensation for loss of income, which is determined based on the income of the insured person at the time of the accident. If the victim becomes disabled as a result of an accident, a lump-sum payment or a lifetime allowance is paid. In the event of the death of the victim, the heirs are entitled to a lifetime benefit.

Accident at work/workplace – This definition refers to a wide variety of incidents and cases in which a person is suddenly and unexpectedly injured, and the injury occurs during (during work, at the place of work and in the process of work) of his work and as a consequence (because of the risks of the work, as a result of the performance of work) of his work for or on behalf of his employer. In fact, the law states that work-related activities such as: eating at work, taking breaks, using devices and amenities that the employer has provided to the employee, an accident on the way to and from work, corporate days, training days, at courses and parties will be considered an accident at work, for which you can file a claim for compensation with the National Insurance Institute.

Important! On a health condition violation in connection with work (accident at work or occupational disease), as a result of which a person died, or his condition requires medical assistance, or he lost his ability to work for at least 3 days, the insured person or his heirs must notify the National Insurance Institute as soon as possible. In addition, the information provided by the injured person in the emergency department is critical to the continuation of the process with the National Insurance Institute.

The National Insurance Institute Medical Board consists of a medical specialist and a secretary of the board meeting, whose responsibility is to keep records and ensure that rules and procedures are followed. The Medical Commission is relevant for any insured person who wants to fully exercise their rights in the National Insurance Institute. A medical examination by a doctor of the medical commission is carried out in order to study the complaints of the insured person and to establish defects, injuries and restrictions from which the insured person suffers.

Second stage — In the second stage, the commission doctor will conduct an examination of the health status of the insured person. The examination is intended to determine the degree of disability of the insured person in percentage terms. At this stage, the commission doctor must be presented with additional documents that were not presented in the case, if any, and the insured person, before the examination, must describe in detail to the commission doctor the diseases and / or disorders that he suffers from and how they affect his life expectancy and normal daily activities.

As part of your case with the National Insurance Institute, our office prepares the client for the medical examination, clearly and clearly explaining the violations, defects and limitations that the commission doctor will check, and the examination procedure. Our work does not end there, unlike various firms that send their clients alone to the medical commission, our bureau and lawyers specializing in this field accompany the client to the commission for as long as necessary in connection with the case.