Injury Benefit Calculator Germany
Calculate German injury benefit (Verletztengeld) for 2026 after a work accident or occupational disease: 80% of pay, capped at net, per month and per day.
Details
Pre-filled with the statutory amount of €94,920.00 (2 × reference value 2026, § 85(2) SGB VII). Many accident insurance institutions set a higher amount in their statutes.
Injury Benefit per Month
€2,056.20
after SI deductions
Per Day
€68.54
Income Loss
€243.80
compared to net salary
Calculation Details
Note: Injury benefit is paid by the employers' liability insurance association or accident fund for work accidents and occupational diseases from the day the incapacity is certified by a doctor. As long as the employer continues to pay wages (usually 6 weeks), these are offset, so payment usually starts in week 7. It is 80% of standard remuneration, limited to net pay. The accident insurer pays the health and long-term care insurance contributions; only half of the pension and unemployment insurance contributions is deducted, plus the care insurance surcharge for childless people aged 23 or over. As of: 2026.
Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.
FAQ
Frequently Asked Questions
What is injury benefit (Verletztengeld)?
Injury benefit is paid by the statutory accident insurance after a work-related accident or occupational disease. It replaces sick pay and is 80% of the regular gross salary (but no more than net salary). Entitlement starts on the day the incapacity is certified by a doctor; while the employer continues to pay wages (usually 6 weeks), these are offset, so payment usually starts in week 7.
How long is injury benefit paid?
Injury benefit is paid for the duration of the incapacity to work. Only if a return to work is not expected and no vocational rehabilitation is due does it end, at the latest after the 78th week from the start of the incapacity (not before inpatient treatment ends). It can transition into a pension if the injury results in permanent reduced earning capacity.
Is injury benefit higher than sick pay?
Usually, yes. Injury benefit is 80% of regular pay and is capped only at full net pay, whereas sick pay is 70% of gross and at most 90% of net. With 3,500 euros gross and 2,300 euros net, the calculator gives 2,300 euros of injury benefit before deductions instead of 2,070 euros of sick pay; after deducting half of the pension and unemployment insurance contributions (10.6% = 243.80 euros), 2,056.20 euros a month remain. It requires an accident at work, a commuting accident or an occupational disease – the benefit is then provided by the statutory accident insurance (Berufsgenossenschaft or Unfallkasse).
Guide
What is the Injury Benefit Calculator Germany?
The injury benefit calculator computes the benefit from the statutory accident insurance for occupational accidents and diseases.
How does the Injury Benefit Calculator Germany work?
Enter your gross and net salary. Injury benefit is 80% of standard remuneration (gross pay up to the maximum annual earnings set in the insurer's statutes) but not more than net pay. Entitlement starts on the day the incapacity is certified by a doctor; continued pay from the employer (usually 6 weeks) is offset against it. Only half of the pension and unemployment insurance contributions (10.6%) is deducted.
Key Data and Facts
Injury benefit: 80% of standard remuneration, max. 100% of net. Standard remuneration counts up to 1/360 of the maximum annual earnings per day (statutory 2026: 94,920 euros = 263.67 euros/day, often higher under the statutes). Entitlement from the medically certified incapacity, usually paid out after 6 weeks of continued pay. Deduction: half of pension and unemployment insurance contributions (10.6%); the accident insurance pays health and long-term care insurance.
Step-by-Step Guide
How to calculate injury benefit step by step: 1. Determine the gross earnings: the regular gross salary before the workplace accident or the occupational illness. 2. Determine the net earnings: the last settled net salary before the event. 3. Calculate the injury benefit: 80 % of the gross earnings (standard remuneration, counted up to 1/360 of the maximum annual earnings per calendar day – statutory 2026: 94,920 EUR/year = 263.67 EUR/day; the statutes of the employers' liability insurance association may set more), but at most 100 % of the net earnings. The lower amount applies. 4. Start: from the day the incapacity for work is certified by a doctor. In the first 6 weeks the employer pays continued remuneration, which is offset against the injury benefit; after that the employers' liability insurance association pays injury benefit. 5. Duration: until the restoration of the ability to work or the determination of a pension. If a return to work is not expected and no vocational rehabilitation is due, it ends at the latest after the 78th week from the start of the incapacity (not before inpatient treatment ends). 6. Social security contributions: the insured person bears half of the contributions to pension and unemployment insurance (9.3 % + 1.3 % = 10.6 %), the other half is covered by the employers' liability insurance association. It pays the health and long-term care insurance contributions alone; only childless people aged 23 or over pay the 0.6 % care insurance surcharge themselves.
Calculation Example
Gross 3,600 EUR, net 2,350 EUR. 80% of gross: 2,880 EUR. Capped at net pay: 2,350 EUR. Injury benefit (Verletztengeld): 2,350 EUR/month. Minus half of pension and unemployment insurance contributions (10.6% = 249.10 EUR): payout 2,100.90 EUR/month.
Sources
Official sources
Calculations are based on applicable German laws and official data:
- Bundesministerium für Arbeit und Soziales (BMAS)
- Deutsche Rentenversicherung
- Sozialgesetzbuch (SGB) — gesetze-im-internet.de
Full methodology at Methodology.
Reviewed by Konstantin Iakovlev · Last updated:
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