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Insurance of workers against accidents: features and requirements

Currently, insurance is considered a sphere that protects against various circumstances. The service is issued for property, business, life. Insurance of workers against accidents helps protect people's interests in case of accidents and other emergencies.

The concept of

Activities in many areas of production are dangerous to humans, so employee insurance is a necessity. The head of production himself can insure him as his property. If there is an accident, the employee or his superiors receives compensation.

This service will protect interests in an accident, which causes damage to property, health or life. The insurance industry operates on the basis of Federal Law No. 125 of 1.01.2000.

Kinds

Insurance of workers against accidents at work is divided:

  • On the compulsory;
  • Voluntary.

Heads of enterprises must provide the employee with compulsory insurance. To do this, he applies to the Social Insurance Fund, which will regularly pay fees. The insured event can be not only an accident, but also illnesses, injuries that have arisen because of the profession.

Voluntary insurance of employees is necessary to correct deficiencies in the law. If the manager agrees to issue such a service, then this increases the credibility of the firm. To do this, you need to choose an insurance company.

For whom is insurance mandatory?

Compulsory insurance is needed to protect social and material interests:

  • With incapacity for work;
  • Deterioration of health;
  • of death.

It should be issued by:

  • Persons arranged under an employment contract;
  • Persons injured or injured in health;
  • Convicted and performing work.

Social Security

Social insurance of workers in production is mandatory in Russia. This law is regulated by Law No. 125. The service is necessary for those citizens who work under an employment contract, as well as for convicted persons employed in production.

FZ to the insured include:

  1. Russian and foreign companies operating in the Russian Federation.
  2. IP, which concludes agreements with employees and contracts.

The insurer is the Social Insurance Fund. Its budget is formed due to the monthly payments of the employer for each employee. The amount of contributions is established on the basis of wages.

In Art. 8 of the Federal Law states that funds are spent:

  • For disability benefits;
  • Compensation for death;
  • Payment for treatment, purchase of medicines, recovery.

Voluntary insurance

Voluntary life insurance of employees is carried out on the basis of the norms fixed in art. 934 Civil Code of the Russian Federation. The terms of cooperation are established by the parties to the agreement concluded between the company and the citizen. The employee is paid compensation in the event of an insured event. Contributions are paid by the employer.

Voluntary insurance of an employee by an employer is considered material support in obtaining injuries in the performance of his duties. The advantages lie in the possibility of determining:

  • Conditions;
  • The procedure for making funds;
  • Rules and amounts of payments;
  • Terms of insurance.

Terms & Conditions

When the insurance of employees is drawn up, it is necessary to examine what cases are considered insurance. These can be situations:

  • Temporary incapacity for work;
  • Injury due to an accident;
  • Disability;
  • Injuries incompatible with life.

An insured event is a situation where an employee is injured on a business vehicle when traveling to work or when returning home. But it does not apply to them:

  • Self-inflicted injuries;
  • The commission of unlawful acts;
  • suicide;
  • Provoking of an accident.

Moral harm is not included in the category of "insured event".

Rights and obligations of the employer as guarantor of insurance

The employer and the insured person have the right to:

  • Obtaining information from the Foundation;
  • Receipt of documents to verify the cost of funds;
  • Protection of interests in court.

The responsibilities of the employer include:

  • Payment of funds;
  • Informing the fund about accidents;
  • Notification of changes in the scope of the company;
  • Informing the employee about the possibility of applying to the Fund;
  • Refund if contributions have not been paid.

Timely insurance is considered a responsible area. It ensures safety and necessary working conditions in the workplace. It also reduces the number of accidents, professional ailments.

Payments

If the insurance of employees is formalized, then in the event of an insured event, payments are made:

  • Temporary compensation for the period of incapacity;
  • Single payments;
  • Monthly payments;
  • Payments for the survey.

Expenses for rehabilitation include:

  • treatment;
  • Purchase of a medicine;
  • Sanatorium services;
  • Creation of prostheses;
  • Purchase of transport;
  • Retraining;
  • Payment of travel.

When the employee dies, compensation is given to the family or relatives. Voluntary insurance of employees of the organization usually involves receiving free medical care for treatment.

Tariffs and prices

There are 32 insurance tariffs, differing in the probability of occurrence of risks in production. They choose them based on the activities of the enterprise. Insurance rates can be in the range of 0.2-8.5%.

Insurance Fund

This organization provides compulsory insurance of the employee against accidents. It is she who pays people compensation. The fund can not be replaced by another insurance company. In order to receive compensation or payment, it is necessary to submit such documents:

  • An accident report or a paper on the disease;
  • Documentation of average earnings;
  • Confirmation of the type of rehabilitation;
  • Confirmation of official employment;
  • death certificate;
  • Results of the examination;
  • The conclusion of medical and social expertise.

The copies are certified by a notary. Insurance is considered a method of protecting the employee and employer. If it is compulsory, it reduces the number of accidents, and also guarantees that the necessary compensations will be provided.

Pension insurance

Compulsory employee pension insurance ensures the protection of citizens' rights. And it works for foreigners living in Russia. Voluntary insurance is considered an addition to it, which is a more reliable protection. The service allows you to accumulate funds to form a future pension.

Voluntary insurance is issued at will. A contract is concluded between the parties to the transaction, according to which the size and principles of assessments are established. With such a service, a decent pension is expected. Voluntary insurance is carried out by various companies. Extrabudgetary funds are not related to the formation of funds.

Each employee can choose the optimal tariffs and services himself. The pension is formed from the contributions transferred under the contract. Insurers control the full and timely fulfillment of obligations. For non-fulfillment of the conditions there is a liability.

The insurers for such a service are:

  • Company;
  • Non-state funds.

NPFs are non-profit enterprises that organize voluntary insurance (Article 2 of Federal Law No. 75). The client of the organization can be an individual. The depositor in this transaction will be the insured. It is he who lists the means.

A contract is concluded between the parties. This agreement, on which the payment of additional funds on the formed contributions is put. If the beneficiary is an individual, there may be the following payments:

  • pension;
  • Lump sum benefits;
  • Redemption amount.

Upon termination of the contract, third parties can not claim compensation. Obligations arise with the first insurance event. The contract will be terminated if the obligations of both parties are fulfilled.

There are several differences between DPS and compulsory insurance:

  • The first is guaranteed by agreement, and the second by the state;
  • In the first case, desire is necessary, and the second is necessary;
  • When a voluntary service is available, you can choose tariffs and the payment procedure, and the tariffs and the tax base for TSOs are established by legislation;
  • At DPS it is possible to choose the company independently, and in the second case the funds are transferred to off-budget funds;
  • The NPF budget is created from investments and deposits, and in state funds it is created through contributions from employers;
  • In the voluntary service is important the scheme of work, and in the mandatory - the rate and rate.

The state provides compulsory insurance. It is necessary to compensate for the treatment of people, to pay pensions and benefits. A voluntary is chosen at will, and it can only refer to specific cases. Both services are important, so when designing them, you need to carefully treat all the details.

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