As an insured person, you can receive a pension from agricultural accident insurance in the event of
- long-term reduction in earning capacity (MdE)
- as a result of an insured event: accidents at work, commuting accidents and occupational illnesses
The MdE indicates the extent to which work opportunities are restricted. This does not take into account your previous activity, but the entire area of working life. In the case of young insured persons, the MdE is based on the effects that would result for adults with the same health impairment.
The amount of the pension depends on
- the level of MdE and
- The JAV is the total amount of wages and earned income in the 12 months prior to the month in which the insured event occurred.
The pension is calculated differently for certain groups of people. The amount of the pension is based on the so-called average annual earnings (dJAV), taking into account possible age reductions for
- agricultural entrepreneurs and their wives and husbands
- their wives and husbands or life partners
For severely injured persons (MdE of 50 percent and more), the JAV is increased for pensions for an indefinite period:
- by 25 percent for a MdE of 50 to 74 percent
- by 50 percent for a MdE of 75 to 100 percent
- does not apply to provisional pensions
For assisting family members without an employment contract, the JAV is also based on the so-called reference figure. The reference figure is based on the average income in Germany and changes annually.
A lower JAV is set for minors.
The JAV is reduced for family members working permanently in the company without an employment contract. The extent to which the JAV is reduced depends on how old the person is at the time of the insured event.