If an employee or a self-employed person loses income owing to occupational disability caused by the patient injury, the loss may be compensated for under patient insurance Compensation can be paid for partial occupational disability, too. For example, if the injured party is capable of working part-time after injury, they will be paid the difference between full-time and part-time employment so that their income level will not decrease.

When assessing a person's working capacity, the remaining working capacity and opportunities for occupational rehabilitation will be taken into account. The effects of the possible pre-existing illness or injury are also considered. In addition, the patient is obliged to find out about their possibilities to enhance their working capacity by medical or occupational rehabilitation.

If the patient's working capacity has been reduced by the patient injury, the subsequent loss of income will be compensated for according to the actual loss. Consequently, the amount of compensation will be calculated with reference to the estimated income the injured party would have received had the patient injury not occurred.

If the other benefits paid on the basis of other laws do not cover the loss of income in its entirety, the remaining part will be compensated for from the patient insurance. When calculating the compensation, daily allowances and pensions received under other statutory insurance schemes, such as Motor Liability Insurance Act (Liikennevakuutuslaki 279/1959), Worker's Compensation Insurance Act (Tapaturmavakuutuslaki 608/1948), various acts of employee's pensions and National Pensions Act (Kansaneläkelaki 347/1956) will be deducted.

Loss of income paid from patient insurance is subject to tax.

20.03.2015