palvelutapaturmia

Palvelutapaturmia refers to accidents that occur while an employee is performing their work duties or in direct connection with their work. This can include incidents that happen at the workplace, during work-related travel, or even while participating in work-related events outside of the usual work environment. The key aspect is that the accident is a consequence of the employment relationship.

In Finland, the system for handling service accidents is governed by the Workers' Compensation Act. When a service accident occurs, the employee is entitled to compensation for damages that arise from the accident. This compensation can cover various costs, including medical expenses, loss of income due to inability to work, and rehabilitation costs. The employer is obligated to report the accident to their workers' compensation insurance provider.

The assessment of whether an incident qualifies as a service accident involves determining if there is a causal link between the work and the injury. This means the accident must have happened as a result of performing work tasks or due to conditions related to the work. For instance, slipping and falling on a wet floor in the office while going to the printer would typically be considered a service accident. However, an accident occurring during a purely personal errand during a work break might not be classified as such. The insurance provider makes the final decision on whether an accident is recognized as a service accident.