Loss of income

If an employee or a self-employed person loses income owing to occupational disability caused by the patient injury, the loss may be compensated for under patient insurance. Compensation can be paid for partial occupational disability, too. For example, if the injured party is capable of working part-time after injury, they will be paid the difference between full-time and part-time employment so that their income level will not decrease.

When assessing a person’s working capacity, the remaining working capacity and opportunities for occupational rehabilitation will be taken into account. The effects of possible underlying conditions or injuries are also considered. In addition, the patient is obliged to find out about their possibilities to enhance their working capacity by medical or occupational rehabilitation.

If the patient’s working capacity has been reduced by the patient injury, the subsequent loss of income will be compensated for according to the actual loss. Consequently, the amount of compensation will be calculated with reference to the estimated income the injured party would have received had the patient injury not occurred.

If other benefits paid on the basis of other laws do not cover the loss of income in its entirety, the remaining part will be compensated for from the patient insurance. When calculating the compensation, daily allowances and pensions received, for example, under the Motor Liability Insurance Act, Worker’s Compensation Insurance Act, the acts on employee’s pensions and the National Pensions Act will be deducted from the amount.

If other benefits paid on the basis of other laws do not cover the loss of income in its entirety, the remaining part will be compensated for from the patient insurance. When calculating the compensation, daily allowances and pensions received, for example, under the Motor Liability Insurance Act, Worker’s Compensation Insurance Act, the National Pensions Act and, depending on the date of the injury, the acts on employee’s pensions, will be deducted from the amount.

Compensation paid under the Patient Insurance Act for the loss of income is subject to tax.