Yrkesskadeförsäkring

Yrkesskadeförsäkring is a type of insurance in Sweden that covers injuries or illnesses that arise as a direct consequence of work. This insurance is a legal requirement for employers, who are obligated to provide it for their employees. The primary purpose is to ensure that individuals who suffer harm due to their job receive necessary compensation and support.

The coverage typically includes medical expenses, rehabilitation, and financial compensation for lost income, both temporarily and permanently. If an employee is unable to work due to a work-related injury or illness, the yrkesskadeförsäkring can provide a replacement income. In the unfortunate event of death resulting from a work-related cause, the insurance may also provide benefits to the deceased's dependents.

The system is managed by Försäkringskassan, the Swedish Social Insurance Agency, which handles claims and disburses benefits. To be considered a yrkesskada, the injury or illness must have a clear and demonstrable link to the person's employment. This can include accidents occurring at the workplace, exposure to harmful substances, or developing conditions like repetitive strain injuries or occupational diseases over time. Employers are responsible for reporting any suspected work-related injuries or illnesses to the relevant authorities and their insurance provider. The aim is to protect workers and their livelihoods when their health is compromised by their professional activities.