Private Insurance Inquiries
Case processing
In most cases, the National Board of Industrial Injuries
receives the request from the insurance company. The
insurance company usually forwards the documents of
the case, and the medical information is usually
available when we receive the case. The National Board
of Industrial Injuries makes an independent assessment,
however, as to the adequacy of the information of the
case. Before making a statement, the Board is
responsible for the availability of sufficient information.
Therefore, the injured person is often asked to sign a
consent form so that we may collect additional
information.
For the assessment of permanent injury and maximum
medical improvement, we typically collect medical
certificates and medical records from hospitals and
general practitioners.
Once there is sufficient medical information on the case,
the decision maker submits it to the Board's medical
consultant with a view to determining the permanent
injury and the maximum medical improvement. The
medical consultant makes a recommendation. The
Board employs medical consultants of varying
specialities, such as neurology, orthopaedic surgery,
general medicine, eye diseases, and psychiatry.
As for the assessment of the occupational situation
before and after the accident, we often collect
information from the tax authorities, the social and
health authorities, the employer, and the injured person.
If it pertains to a self-employed earner, the case will
often be submitted to the Board's auditor for a
discussion of accounts.
Once there is sufficient information available of the
injured person's earning capacity and income situation
before and after the accident, the decision maker writes
a recommendation for loss of earning capacity. Often
the case will subsequently be submitted to a meeting
attended by several decision makers. In this meeting the
percentage of loss of earning capacity is determined,
and the decision maker then writes a statement in the
case.
In private compensation cases the parties are not heard
before we make a statement, i.e., the parties are not
asked if they want to comment on the information of the
case before the statement is sent. The parties are
entitled, however, to ask for a copy of the documents of
the case and may send their comments to the Board.
This page was last modified on 29. maj 2006