What to do in the event of an accident at work?

One moment of not paying attention and it happens. Accidents at work are not only painful, but can also raise questions and uncertainties. What do you have to do to do everything right? What rights are you entitled to? And what happens to your wages if you are off work for a while? But don't worry, we'll give you a step-by-step guide so that you're well prepared - whether it concerns you or you just want to find out more.

Accident at work vs. on the way to work

In fact, an accident at work is not only limited to direct incidents at the workplace. Accidents on the way to or from work also count if you have used the direct route to work. Here are the most important differences:

• Accident at work: An incident during your work in the company, e.g. caused by machines, tools or working conditions.
• Accident on the way to work: Commuting accidents are also covered by statutory accident insurance, provided they happen on the direct route to work. However, deviations (e.g. for private errands) could jeopardize the protection.

It is important that you document such accidents quickly and completely, e.g. with photos, a description and witnesses. This is the only way to ensure that the accident is recognized later.

Tip: Some professions are more dangerous than others, such as that of a fire inspector. In such cases, there are often special insurance policies that offer additional protection.

Report an accident at work: What do you need to consider?

In order to claim protection, this must be reported as quickly as possible, otherwise you may end up empty-handed. An accident at work must be reported quickly and correctly in order to secure your protection claim. Here are the steps you should follow:

1. Inform your employer: Report the accident to your supervisor immediately. They must enter the incident in the accident book.
2. Doctor's visit: Have yourself treated by a transit doctor (D doctor). Only this doctor can officially document the accident and initiate treatment.
3. Accident report by the employer: Your employer is obliged to report the accident to the relevant employers' liability insurance association or accident insurance fund if you are unfit for work for longer than 3 days.
4. Take action yourself: If your employer does not report the accident, you can do this yourself with the employers' liability insurance association or accident insurance fund.

If you are absent for a longer period of time, you can find more useful information in our article "Applying for unemployment benefit".

Continued payment of wages after an accident at work: your rights

If you become unable to work due to an accident at work, you are entitled to financial support. Here are the most important payments:

1. Continued payment of wages:
   • Your employer will continue to pay you your full salary for up to 6 weeks.
   • The statutory accident insurance then takes over with the so-called injury benefit.
2. Injury benefit:
   • Paid out by your health insurance company.
   • Amount: 70 % of your gross salary (max. 90 % of net salary).
   • Runs until you are fit for work again or rehabilitation has been completed.
3. Compensation for pain and suffering:
   • You are only entitled to this if your accident was caused by the fault of a third party (e.g. negligence).
   • It is advisable to seek legal assistance in order to assert your claim.

Source (DGUV, 2024)

What if an accident at work makes you change your mind?

An accident can have not only physical but also psychological effects. Sometimes it makes you rethink your own professional future. Perhaps you want to change your job or try something new? If this is an option for you, read our article "Changing jobs at 40". There you will find out what opportunities and possibilities there are to make a fresh start - regardless of your age.

Conclusion: WorkerHero supports you even in difficult times

An accident at work is a challenge, but with the right information you can ensure that your rights are protected. WorkerHero is not only the perfect platform to find a job in Germany - we also help you to better navigate the German labor market. Start your career now or inform yourself about important topics - with WorkerHero you are always well prepared!

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