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

If your earning capacity is reduced by less than 40 percent, you can apply for a monetary sum as a settlement for life instead of an accident pension.

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Procedure details

Is your earning capacity permanently reduced by less than 40 percent? Then you can apply for a settlement of the current pension. How the settlement amount is calculated is regulated in a legal ordinance. Among other things, your age at the time of the accident and the time that has passed since the accident play a role here.

With a settlement, your pension entitlement then expires in principle for life.

If you are entitled to several pensions with a combined reduction in earning capacity of less than 40 percent, all or only some of them can be settled.

If your health condition worsens later as a result of the insured event, your pension entitlement may be revived for this part of the worsening.

You are entitled to a pension settlement if:

  • you are receiving a pension for an indefinite period after a reduction in earning capacity of less than 40 percent,
  • your reduction in earning capacity is not expected to decrease significantly within the settlement period,
  • you have enough income to live on without the pension,
  • you submit an application for severance pay.

  • Required Documents

    You do not need to submit any documents.

You can apply for settlement of an accident insurance pension for a reduction in earning capacity of less than 40 percent is 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 workers' compensation association or accident insurance fund in the mailbox of your BundID account or My Business Account, 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 are no deadlines.

1 bis 2 Wochen

  • Opposition . 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 prodecure description: Bundesministerium für Arbeit und Soziales
Source: Federal Portal