2024-11-17 14:30:00
Accident benefit is an INSS benefit for workers who suffer permanent injuries resulting from work accidents.
This benefit makes it possible to compensate for the loss of work capacity and guarantee financial assistance that minimizes the economic impact caused by the injury.
However, many Brazilians are unaware of how accident assistance works, who is entitled to it and how to request it from the National Social Security Institute (INSS).
What is accident assistance?
Accident benefit is a compensation benefit paid by the INSS to workers who, as a result of an accident, suffer permanent physical or mental limitations that impact their ability to carry out their professional activities.
Unlike other social security benefits, accident benefit does not have the function of replacing the worker’s source of income, but rather of supplementing the salary, offering financial support while the worker adapts to the new working condition imposed by the sequel.
This benefit is granted exclusively when the accident results in a permanent sequelae that reduces the worker’s working capacity, without, however, causing complete removal from employment.
Therefore, it is worth remembering that accident assistance aims to help the worker maintain their quality of life and face the limitations imposed by the injury, allowing them to continue with their professional activity in an adapted manner.
Right to accident assistance (Photo: freepik)
Who is entitled to accident assistance in Brazil?
To be entitled to accident benefit, the worker must have suffered an accident that results in permanent sequelae, compromising their ability to perform their professional duties in the usual manner.
However, this benefit depends on a series of requirements and conditions established by social security legislation.
In addition to proving the injury and permanent sequelae, the worker must meet criteria such as insured status and compliance with specific INSS requirements for the benefit to be approved.
Therefore, the right to accident assistance is not automatic and requires the worker to prove both the occurrence of the accident and the reduction in their work capacity.
Requirements for requesting accident benefit after a work accident
To request accident assistance, the worker must meet some specific criteria established by social security legislation.
The first criterion is to be linked to the Social Security as insured, including both workers with a formal contract and self-employed people who contribute to the INSS.
Furthermore, the accident must have caused an injury that results in permanent sequelae, that is, a lasting limitation in the ability to perform usual professional functions.
It is important to highlight that the accident can be either work-related or not directly related to professional activity, if it results in a sequelae that compromises work capacity.
Another fundamental requirement is the partial and permanent reduction of working capacity. Even if the worker is able to perform other functions, the injury must cause some degree of loss of ability to perform usual activities.
Finally, the granting of accident aid depends on a medical evaluation carried out by the INSS.
The worker must undergo an examination, which will be responsible for verifying the existence and extent of the consequences resulting from the accident. The decision on granting the benefit will be based on this assessment.
Social Security unit (Credits: Gov)
How to request accident assistance from the INSS
Requesting accident assistance involves a process that requires care and organization, as it is necessary to meet specific requirements and present appropriate documentation.
The worker who wishes to request the benefit must follow some fundamental steps to ensure that the request is correctly analyzed by the INSS.
Among the essential steps are the presentation of documents proving the accident, the resulting injury and the reduction in work capacity, whether partial or permanent.
In addition, the worker will need to undergo an INSS medical examination, which will assess the extent of the injury and determine the existence of permanent sequelae.
It is essential that all required documents, such as medical reports and exams, are complete and up to date, to facilitate analysis and approval of the request.
Following these steps correctly increases the chances of granting the benefit more quickly and efficiently.
Documentation required to apply for accident assistance
Among the main documents required are the identification document (RG and CPF), in addition to the work cardwhich serves to prove the worker’s employment relationship and insured status at the time of the accident.
If the worker is self-employed, it is also necessary to present the proof of contribution to INSSsuch as Social Security contribution payment receipts.
In addition, the worker must provide medical reports and certificateswhich detail the injury suffered and its relationship with the accident, as well as medical examinations that prove the permanent sequelae resulting from the incident.
Finally, if the accident occurred during the performance of the function, the employer must issue the CAT (Work Accident Report)an essential document for requesting benefits related to the accident.
Accident undergoing treatment (Photo: Freepik)
Deadline to request the benefit after the injury suffered
Although there is no fixed deadline established for requesting accident benefit, it is highly recommended that the worker make the request as soon as possible after discovering the injury.
The sooner the worker formalizes the request, the more agile the process of analyzing and granting the benefit will be.
The immediate request helps to avoid possible complications or delays, allowing the worker to begin receiving assistance more quickly, especially when the consequences resulting from the accident impact their ability to work.
Furthermore, the closer the request is made to the time of the injury, the greater the likelihood that the INSS will consider the conditions of the sequelae in a clearer and more objective way, facilitating the approval of the benefit.
Amount and duration of accident aid for beneficiaries
The value and duration of the accident benefit are determined by a series of factors, especially the INSS calculation based on the worker’s salary and the reduction in their work capacity.
Civil construction (Image credits: BMZ Advogados)
Consult a specialized lawyer to help with the aid request process
Requesting accident assistance can be a complex process, especially as it involves expertise and documentary requirements.
In many cases, the support of a lawyer specializing in social security law is essential to ensure that the worker is correctly following all the steps and requirements.
One specialized lawyer can help organize the necessary documentation, guide during the medical examination process and accompany the worker in possible appeals in case of denial by the INSS.
Therefore, counting on the help of a professional can increase the chances of success in the request, ensuring that the worker’s rights are respected.
Featured image: freepik
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What are the eligibility criteria for receiving accident benefits in Brazil from the INSS?
**Interview with Dr. Ana Silva, Social Security Expert, on Accident Assistance in Brazil**
**Interviewer:** Thank you for joining us today, Dr. Silva. To start, could you explain what the accident benefit provided by the INSS is?
**Dr. Silva:** Thank you for having me! The accident benefit, or “benefício acidentário,” is a financial assistance provided by the National Social Security Institute (INSS) for workers who suffer permanent injuries from work-related accidents. Its primary purpose is not to replace the worker’s income fully but to supplement their salary and help them adapt to any changes in their capacity to work due to the injury.
**Interviewer:** That’s helpful to know! Who is actually entitled to this benefit?
**Dr. Silva:** Great question! To qualify for accident assistance, a worker must have experienced an accident resulting in permanent restrictions that hinder their ability to perform their job normally. Additionally, they need to demonstrate that they were insured under the social security system, which includes both formally employed and self-employed individuals. It’s essential to provide proof of the injury and the impact on their work capacity.
**Interviewer:** What are the steps a worker needs to take to apply for this benefit?
**Dr. Silva:** Applying for this benefit involves several key steps. First, the worker must gather the required documentation, including their ID, work card, medical reports confirming the injury, and any relevant certificates. They also need to undergo a medical examination arranged by the INSS, where a medical professional assesses their condition and the extent of permanent sequelae. It’s crucial to ensure that all documents are complete and up-to-date to facilitate the process.
**Interviewer:** Is there a specific timeframe for applying after an injury?
**Dr. Silva:** While there’s no strict deadline for submitting the application, it’s strongly recommended to do so as soon as possible after the injury is identified. Prompt applications tend to receive quicker responses from the INSS, which is vital for workers trying to manage their financial and personal situations post-accident.
**Interviewer:** Lastly, what common misconceptions do you see about accident assistance?
**Dr. Silva:** Many individuals mistakenly believe that the accident benefit is automatically granted or that they can wait extensively before applying. In reality, it requires thorough documentation and medical validation, as well as the worker proving the direct link between the accident and their reduced capacity. Raising awareness on these points is key to ensuring that more workers know their rights and can effectively seek assistance.
**Interviewer:** Thank you, Dr. Silva, for shedding light on this important issue.
**Dr. Silva:** Thank you for having me! It’s crucial that workers are informed about their rights to ensure they receive the support they need after such life-altering accidents.
