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Receive pension from statutory accident insurance

If you are reduced in your earning capacity after an accident at work or due to an occupational disease, you will receive a pension from the statutory accident insurance.

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Procedure details

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 salary
    • The annual earned income is the total amount of remuneration and income from work in the 12 months prior to 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.

If you have statutory accident insurance, you are entitled to a pension under the following conditions:

  • Your earning capacity is reduced:
    • as a result of one or more insured events,
    • beyond the 26th week after the insured event,
    • by at least 20 percent.

  • Required Documents

    If you are entitled to a pension from the statutory accident insurance as a result of an accident:

    • The medical professional to whom you report your accident will automatically forward a medical report to the statutory accident insurance. You do not need to submit any further documents.

    If the consequences of a past insured event have worsened in your case:

    • You submit an informal application to your employers' liability insurance association or accident insurance fund. Your doctor will forward a current medical report to the responsible office.
    • If necessary, you submit further evidence if this is required by your employers' liability insurance association or accident insurance fund.

If you are entitled to a pension from the statutory accident insurance as a result of an accident:

  • After your accident, consult an accident insurance physician.
    • This medical professional specializes in diagnosing accident injuries.
    • Contact your company or the relevant employers' liability insurance association or accident insurance fund for information on the nearest transit doctor.
  • The report to the statutory accident insurance is made automatically by the medical personnel to whom you reported your accident. Under certain conditions, your responsible employers' liability insurance association or accident insurance fund will initiate a medical report to determine your health damage.
  • Your entitlement to a statutory accident insurance pension will be determined automatically by your responsible employers' liability insurance association or accident insurance fund.
  • You do not need to submit an application.

If the consequences of a past insured event have worsened for you:

You can report the aggravation online or by mail.


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, then you must have an account and authenticate.
    • If you would like to receive the answer 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 be automatically 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 involved.

There is no deadline.

From the notification to the decision. (1 bis 3 Monate)

There are no clues or specifics.

  • 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
Editorial responsibility Bundesministerium für Arbeit und Soziales