Accident assistance is a benefit granted by the National Social Security Institute (INSS) to workers who have suffered some type of accident and, as a consequence, have been left with sequelae that reduce their work capacity. This financial aid is vital for many Brazilians, but despite its importance, there are many doubts about how it works. Below, we answer the 10 most frequently asked questions about accident assistance to clarify all its aspects.
1. What is accident compensation?
Accident assistance is a social security benefit paid monthly to insured individuals who have suffered an accident of any nature (not necessarily work-related) that results in permanent sequelae affecting their ability to work. This benefit aims to compensate for the loss of work capacity and guarantee financial support for the worker.
2. Who is entitled to accident compensation?
An INSS (Brazilian National Social Security Institute) insured individual is entitled to accident compensation if, after the consolidation of injuries resulting from an accident of any nature, they present sequelae that imply a reduction in their capacity to perform the work they habitually performed. It is important to note that the beneficiary must be employed at the time of the accident to be eligible for the benefit.
3. What is the difference between sickness benefit and accident benefit?
Although both benefits are intended for health situations that affect work capacity, sickness benefit is granted when the insured person is temporarily unable to work due to illness or accident. Accident benefit, on the other hand, is intended to compensate for permanent sequelae that do not completely prevent work, but impair the professional's performance.
4. How can I apply for accident compensation?
To apply for accident benefits, the first step is to schedule a medical examination with the INSS (Brazilian National Social Security Institute). This can be done through the Meu INSS website or by calling 135. On the day of the examination, it is essential to bring all medical documents that prove the accident and the resulting injuries, as well as personal documents and proof of contributions to the INSS.
5. Can accident compensation be combined with other benefits?
Yes, accident compensation is compatible with other social security benefits, except for retirement. For example, an insured person can receive both accident compensation and sickness benefits simultaneously if they develop a new health condition that temporarily prevents them from working.
6. What is the amount of the accident benefit?
The accident benefit amount is 50% of the benefit salary that gave rise to the last adjusted sick pay, up to the maximum contribution salary limit. Note that this amount will be paid until the day before the start of any eventual retirement.
7. Is the accident benefit permanent?
No, the accident benefit will end when the beneficiary retires or dies. Furthermore, if for any reason the sequelae that gave rise to the benefit are reversed, the INSS (Brazilian National Social Security Institute) may cease payment.
8. Is it possible to appeal if accident benefits are denied?
Yes, if the accident compensation claim is denied by the INSS (Brazilian National Social Security Institute), the insured person can appeal the decision within the INSS itself, requesting a reconsideration of the medical examination. If the result is still unsatisfactory, it is possible to take legal action to guarantee the right to the benefit.
9. Are commuting accidents covered by accident benefits?
Yes, commuting accidents, those that occur on the way from home to work or vice versa, are considered work
