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momentous strike

Who at a privately organized adoption of colleagues in an accident suffering is not, in principle protected by the statutory accident insurance. This is true even if the event is held in premises of the employer and a supervisor because, the Social Court in Berlin participating in a decision dated 9 December 2010 (file number: S 98 U 794/08).

A worker had visited together with many colleagues, an event in which several employees celebrated their strike. The event took place after work in the employer's premises, which could be used free of charge.

private character

On the way home from the celebration of the workers suffered an accident. He broke a lumbar vertebra. The consequences of this accident, he wanted to take his professional association to complete. refused, pointing to the private nature of the farewell party but from this it to provide insurance coverage.

The matter ended up before the Berlin social justice. There, the injured person suffered a defeat.

Basically, the court, is also a farewell party under the protection of the statutory accident insurance. Condition is that it is a joint business event is that is not only approved by the employer. Of them was in the case of the plaintiff but not likely.

only tolerated

Participation in the celebration was Although open to all employees. It was attended by many employees. After the conclusion of evidence, however, the farewell party was prepared independently by the participants, equipped and financed. From the employer of the injured it was merely tolerated, that it took place after hours in the operating rooms.

In the circumstances, therefore, were neither the party nor the way home under the protection of the statutory accident insurance. Also, the fact that evidence that a supervisor had participated in the ceremony does not change anything.

"For an event can only be met by the authority of management, if the organizer is not not only of their own accord and free decision, but in agreement with the company management or for that act, "the court said in its ruling.

which was based on the outcome of the inquiry but not likely. The action of the victim to his professional association was rejected as unfounded.

security for all cases

makes it an accident because of permanent health damage is not yet come to financial problems, you should not rely solely on the statutory accident insurance. Unlike the law provides a personal accident insurance protection around the world Clock, ie both in accidents at work and at play.

addition, the level of hedging on the individual needs and personal preferences are shaped. Insurable include cash benefits for accidental death or cosmetic surgery and a hospital benefit.

heart of a private accident insurance is particularly an arbitrary amount of capital and / or pension benefits in case of disability. This allows, for example, additional costs for accessible housing absorb and compensate for accidental income deficits.

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Unclear holiday amount of disease

leave entitlements after a long-lasting Disease remain only at the statutory minimum leave. Collective employment claims can fall, however. This is shown by a ruling of the Labour Court of Rheinland-Pfalz (Case No.: 10 Sat 244/10).

The verdict was based on a complaint from an employee who was in the period from June 2007 incapacitated for work by October 2009.

was armed by 20 days

Under the current collective agreement for the employee him to an annual leave entitlement of 30 working days. The collective bargaining parties had agreed that the claims lapsed when the holiday because of incapacity or for operational reasons until 31 May the following year could be offered.

In view of a decision of the European Court of Justice (ECJ) was the employer of the applicant willing to grant it its not taken holidays for the years 2007 and 2008 retrospectively. However, the calculation, only the statutory minimum holiday entitlement of 20 days per year are used.

The employee, however, considered that are not void due to the Court ruling and his accrued vacation pay scale. So he pulled against his employer in court. There, he wanted to get that to him for the years 2007 and 2008 subsequently ten additional days of leave.

Only claims at the statutory minimum leave

After the Labour Court had dismissed the action as unfounded, was also the appeal to the state labor court is not successful. According to the court is basically nothing wrong with that agreement shall take the Federal Holidays Act alternative arrangements for its staff to the minimum holiday.

The Court's ruling, not after the lapse during a chronic illness acquired holiday entitlement relates, in the opinion of the judges but only to the respective EU Member State applicable minimum stay.

"a tariff order for forfeiture of on statutory holiday entitlement and his compensation is according to the clear directive of the law and jurisprudence of the ECJ backed the other hand, no law prevents Union, "the court said in its ruling. The employer of the plaintiff, therefore it has subsequently correctly only 40, and not, as requested by it, granted 60 vacation days.

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full year and still included in their parents

is the 18th Age achieved was to make, in principle, any thoughts on whether he is correctly protected. In particular, a personal liability insurance, disability insurance and a reasonable provision for sickness and old age are important. But not everything has to be equal for a complete their contract.

young adults living with their parents or are placed in training, there are some insurance policies of father or mother, often a free co-insurance. Can save money without sacrificing the important insurance protection.

Free in private liability policy parents

In a personal liability policy with parents of legal age, unmarried children are more generally insured. The requirement is that they are still in the school or directly adjoining first professional training, such as teaching or studying there.

Also allows a fixed age limit that is specified in the contract conditions have not been reached. In many policies, for example, is a co-insurance up to the age of 25 Year of life possible.

Short interruptions of training by military or civilian service, internships or waiting to play on a training course usually does not matter. If the age limit is reached or completed the training, the coverage ends for the young adult and he needs its own policy.

legal expenses cover at no extra charge

If a private legal expenses insurance of parents, adult children also further protection under this Treaty, if they are unmarried and a certain age, often the 25th Age, have not yet reached. In addition, the young adults may have no permanent means of professional activity for which a performance-based remuneration is paid to pursue.

The salary for a training or BAföG for the study is not considered performance-related pay. Children are insured, therefore, during the study and training. This does not apply to those who practice regularly in addition to a degree for a job to earn money for living expenses.

Caution: When traffic the legal parents is the Co-insurance not. If a child has its own driver's license or have your own transport, should be completed, a separate driver or car ownership a traffic protection.

own four walls

The above arrangements for co-insurance for personal liability and personal-legal-insurance apply irrespective of the rule on whether the adult offspring with their parents live or already has her own apartment.

different with the household insurance. The belongings of the children, even if they are of legal age is insured through their parents' household insurance, as long as they still live at home. Once the young but will fledge and moves, a separate household with a contract.

principle should any change in the situation to the insurance agent are reported. Only this will ensure that will be recognized as such even after moving, the end of training or age of majority from the possible risks and secured. In addition, some insurers offer additional possibilities of legal age to include in existing contracts or cost to secure.

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you're poor, have to change the cash

An unemployment benefit II recipients who want to stay for personal reasons, a member of a specific public health insurance, even though, unlike many other fund, an additional premium charges, has no right to have the service provider to recover the increased health insurance contributions. This is shown by a decision of the Social Court Freiburg (Case No.: S 14 AS 3578/10). A visually impaired woman

related services since August 2006 to the basic security for jobseekers (unemployment benefit II). She was already studying in a specific health insurance health insurance.

possibility of switching insurance

In a cooperation partner of the health insurance, private insurance companies that they had entered into a supplemental insurance, the insured, among other things, the supply of spectacles was.

made from February 2010, the state insurance of the law prohibiting the possibility of imposing an additional fee of eight € use. Then the woman asked her performers to review the performance of the basic security for jobseekers by health insurance in addition to the calculated amount per month increase.

Noting that the woman would have difficulty in a different health insurance company can change, and makes no additional contribution from the service provider refused their request.

unreasonable request?

your directed against the rejection decision before the woman reasoned with the fact that They had therefore taken no change in cash consideration, because it relies as deficiencies should the benefits from the insurance.

Even if they should have with another insurer is also the possibility of entering into a private insurance, they should take when an insurer changes in any case, a new waiting period in purchasing. This they got satisfied with their previous insurance contract already. A change in her was therefore not reasonable.

saw the judges of the Court of Freiburg Social differently. They rejected the claim as unfounded. would

will of the legislature

to avoid the payment of an additional contribution the applicant to make use of its right of termination and change to another health insurance can. She did, however, refrain from personal reasons.

According to the court, the applicant has no right to have her being reimbursed by health insurance calculated additional contribution.

Raises a health insurance such a contribution, it is desired by the will of the legislature that the insured to terminate and switch to another health insurance. Because that is the purpose of the relevant provisions of the Social Code, which the cash to stimulate an economic behavior and a competition among themselves, should - according to the court.

No special hardship

A cash exchange is, thus, for welfare recipients no special hardship dar.

This is the opinion of the Court, even if the insured person for personal reasons, a private insurance completed and again when an insurer changes if necessary waiting times has to fulfill.

For the need of having to meet a certain waiting time, in the opinion of the judges typical of private insurance. They are therefore excluded from the usual different hardness, for which a service provider would have to stand up.

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billion deficit in the statutory social

The compulsory social security has experienced in the first nine months of 2010, a cash-moderate deficit of 3.9 billion euros, as the Federal Statistical Office (Destatis) is now announced. In statutory care and health insurance, there was a small surplus in each case, whereas had the statutory pension insurance and the Federal Employment Agency, a multibillion dollar deficit.

increased in the first three quarters of 2010, the revenue of the statutory social security by 5.0 percent to nearly € 377 billion. Spending rose slightly by 1.4 percent to just over 380 billion euros. Compared to the same period, the deficit between January September 2010 and decreased by 12.8 billion euros to 3.9 billion euros.

The main reason for the decline Destatis leads to the lower deficit of the Federal Employment Agency, which decreased by 13.3 billion euros to 2.5 billion euros. To statutory social security are the statutory health, care, accident and pension insurance, pensions for farmers and the Federal Agency for Employment (including pension funds).

zero-sum game in the long-term care

In the statutory health insurance (SHI) increased revenue, including the higher federal funding of the health fund 11.8 billion euros, up 3.4 percent to € 132.6 billion, while spending increased by 3.6 percent to 131.5 billion euros. The surplus declined to 0.3 billion euros to 1.1 billion euros.

held in the mandatory insurance, the revenue and expenditure of 16 billion euros in the balance after it had been in the same period of last year still a surplus of 0.6 billion euros. Spending rose by six percent to almost three times as much as the revenue of 2.3 percent.

pensions in negative territory

The revenues of the statutory pension insurance increased year on year by 2.2 percent to 183 billion euros. Spending rose by 2.1 percent to € 185.7 billion, resulting in a deficit of 2.7 billion euros. The minus is compared with the first nine months of 2009 by 0.2 billion € have become smaller.

The Federal Statistical Office points out that using data from the first three quarters because of the strong in-year fluctuations in revenues and expenditures no conclusions could be drawn on the annual results.

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premium benefits for young adults

18 - to 24-year-old insured by several insurance companies at discounted premiums.

The so-called "young people" fares are the most common in the insurance business personal liability, household, accident and legal protection .

The premium savings is on these offers always temporary. From the age of 25 years for the no longer quite so young customers are the normal rates. Note

What

Sometimes is limited for the entry-rates of insurance coverage. Thus, in the private liability insurance partners and sometimes children are not automatically covered. In the household insurance, the protection of valuables to the standard for this industry are limited.

Whether a cheaper "young people" despite the discount rate than with other companies without discount depends on the individual case. Gladly we help you continue it.

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Despite the cold and snow are working safely outdoors

was in December 2009 and January and February 2010, more than 22,000 in some serious accidents on German construction sites. Many of them could trade association of construction industry (BG Bau), according be avoided, if care workers and companies for better personal protection against the cold and a safer working environment would.

Wintry conditions cause particular tobogganists skiers and pleasure. On construction sites, mean snow, ice and cold, wet weather, however a significantly higher risk of accidents. For thanks to modern technical methods will continue to work well in freezing temperatures.

employers must prevent

Many accidents occur in winter, according to BG Construction on slippery floors of site roads, through ice, snow or rain or insufficient lighting. Employers need to identify emerging threats to workers and make appropriate safety measures.

example, may not work is carried out on icy scaffolding. Also can not walk roofs, such as corrugated plates or glass domes are covered with snow. These should be clearly marked so that no one falls through.

The right clothing makes

In winter, the sick leave is traditionally higher than in the warmer months. The reason: In the often windy sites can quickly become intractable colds, chronic diseases of the respiratory system or cause a worsening of already existing back or joint problems.

With the proper winter clothing can prevent such diseases, but effective. The clothes should be able to derive moisture to the outside, to prevent cooling of the body, advises the BG Construction.

chill from top to bottom

Important for the temperature regulation is the right combination of weather resistant jacket and pants - for example, microfibers, matched with appropriate undergarments, the construction of BG. Because then allows the clothes optimal air and heat exchange between the body and the environment.

As cold protection for the head of the Professional Association recommends a combination of helmet and matching winter hats for subjecting. By using appropriate safety footwear soles can slip accidents.

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protection against natural hazards

The last few weeks have shown it: Snow and floods in many homes and left to their destructive mark. The right insurance protection is provided that such natural phenomena not also be a financial disaster.

Still there may be heavy snowfall. House and apartment owners should take in this case, a regular look at the roof. The snow may cause deformation, cracks, or at worst, lead to the collapse of the roof when the snow is too high. can

floods and heavy rain there all year round. Damage caused by such natural phenomena are regarded as natural or natural disasters.

protection against natural forces

In a building insurance, these types of damage is usually covered only if damage by the elements were insured. The same also applies to the household insurance policy.

The co-insurance of natural hazards, risks arising from the snow, floods and heavy rain, but also by avalanche, earthquake, sinkhole, landslide or volcanic eruption is usually possible for a small fee.

As an alternative, a separate non-life insurance unit to be completed.

initiative helps prevent damage

In addition, make each one of protection and prevention measures such as flood against and snow load. For example, the brochure informs the land is under - Protection against flooding and high water "of the GDV on measures before and after a flood.

From Bavarian State Ministry of the Interior there is the internet more help and information sheets as the "flood Checklist" and " snow on roofs - Tips for homeowners . What structural protection and prevention measures against floods are sensible, in the "Guide flood" of the Federal Ministry of Transport, Building and Urban Development found.

basically advises the General Association of German Insurers eV (GDV) in snow, the weight of the white Splendor not to be underestimated. A ten-centimeter thick layer of snow, depending on the degree of ice and water content, more than 100 kilograms per square meter weigh.

Not to act rashly

If you are not sure if the roof still bears the burden should be, a local roofer guild operation or fire departments will be asked. In no case should house and apartment owners certainly try to climb onto the roof to shovel the snow on their own layers of gable.

For questions, how can one's own belongings including against potential natural hazards, please use our contact form on the right.