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Request settlement of an accident insurance pension in the event of a reduction in earning capacity of at least 40 percent

If your earning capacity is reduced by 40 percent or more, you can receive a sum of money as a settlement for a period of 10 years instead of the accident pension upon application

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Procedure details

If your earning capacity is reduced by 40 percent or more, you may apply for a settlement limited to a maximum of 10 years.

The same applies if you are entitled to several pensions that together equal or exceed 40 percent reduction in earning capacity.

You will be paid 9 times the annual amount of the pension on which the settlement is based as a settlement. The portion of the pension not settled will continue to be paid monthly. At the end of the 10 years, you will then again be paid the entire pension in monthly installments.

If your health deteriorates after you have been granted a settlement, your entitlement to the pension will be revived in full upon application. The settlement amount paid will be offset against your pension.

You are entitled to a pension settlement if:

  • you have reached the age of 18
  • you are either receiving a pension for an indefinite period after a reduction in your earning capacity of 40 percent or more
  • or you receive several pensions that together equal or exceed 40 percent reduction in earning capacity
  • the reduction in earning capacity is not expected to decrease significantly within the settlement period
  • you have enough left to live on without the pension

  • Required Documents

    You do not need to submit any documents.

You can apply online or by mail for settlement of an accident insurance pension for a reduction in earning capacity of at least 40 percent.

Online service:

  • Access the online service.
  • You will be guided through the process on the Accident Insurance Service Portal.
  • You can log in.
    • If you would like to receive the response from your employers' liability insurance association or accident insurance fund in the mailbox of your BundID account or My Company Account, you must have an account and authenticate yourself.
    • If you would like to receive the response by mail, you can also proceed without logging in.
  • Select your responsible employers' liability insurance association or accident insurance fund or determine it using the industry search.
  • Upload the required documents.
  • Fill out the online form and submit it.
  • Your report will automatically be forwarded to your employers' liability insurance association or accident insurance fund.
  • You will receive a response via the requested channel.

Online service of your employers' liability insurance association or accident insurance fund:

  • If you have access to the portal of your employers' liability insurance association or accident insurance fund, you can also submit the notification electronically there, if necessary.

Message by mail:

  • Contact your employers' liability insurance association or accident insurance fund with an informal letter.
  • Make sure you provide the required information and enclose the necessary documents.

There are no costs for you.

There are no deadlines.

1 bis 2 Wochen

  • Appeal
  • Detailed information on how to lodge an appeal can be found in the notification from your employers' liability insurance association or accident insurance fund.

Status: 09.03.2025
Editorially responsible for procedure description: Bundesministerium für Arbeit und Soziales
Source: Federal Portal