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Let's look at the types of insurance benefits under the Industrial Accident Compensation Insurance Act

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The industrial accident insurance system is compulsory insurance that the state is

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responsible for guaranteeing the lives of injured workers and their families

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In order to guarantee accident compensation liability under the Labor Standards Act, which is originally the responsibility of the employer

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the state collects a certain premium from the employer

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and compensates the injured worker on behalf of the employer with the fund

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The industrial accident insurance system is a no-fault liability system

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that takes responsibility for workers' accidents regardless of whether they are intentional or negligent

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In principle, the employer pays the full amount of insurance premiums, which are financial resources for the insurance business

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and industrial accident insurance benefits are based on average wages rather than

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compensating for the entire damage caused by the accident

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and the review and re-examination claim system are operated to

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expedite objections related to accident compensation

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If a worker in a workplace experiences injuries

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illness, disability or death due to occupational reasons

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What kind of salary should they apply for to receive proper compensation?


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There are eight major insurance benefits that can be received in case of an occupational accident

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Let's take a look specifically one by one

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The first is medical care benefits

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Medical care benefits cover the costs of medical care, such as examination

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medication, surgery, treatment, and care

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which are paid to heal injured or sick workers in occupational accidents

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In order to receive medical care benefits, the injured worker's occupational injury or illness

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must require at least four days of medical care

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This is to prevent administrative processing costs from becoming more excessive than

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medical care benefits paid

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The extinctive prescription for medical care benefits is 3 years, so you must apply within the period

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In principle, medical care benefits are paid in kind

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and they are paid directly to pharmacies of designated medical institutions as medical expenses and drug expenses

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However, medical expenses already paid by workers before acknowledging occupational accidents

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are exceptionally paid in money and goods

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As for the payment items, examinations, various tests, drugs and other treatments are provided

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and non-benefit items such as plastic surgery for cosmetic purposes and hospitalization in higher rooms are excluded from medical care benefits

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The second is the suspension benefit

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This is a salary paid instead of wages during the period of non-employment due to occupational accidents

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and no suspension benefits are paid if you work at a workplace or are paid by an employer

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during the medical treatment period, however, suspension benefits are also paid during outpatient treatment


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If occupational accidents are recognized, 70% of the average daily wage will be paid during the period of

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not being employed due to medical treatment

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If the daily suspension benefit is less than 80% of the minimum compensation standard

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90% of the average wage will be paid, and 4% will be reduced every year from the age of 61 to 65

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The third is the sickness compensation pension

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If one has recuperated for more than two years but does not heal

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and is in the grade 1 to 3 severe care status, they will be paid

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Grade 1 is paid 329 days of pension, grade 2 is paid 291 days, and grade 3 is paid 257 days of pension

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In this case, severe care statuses are mental and physical damage

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resulting in loss or reduction of labor capacity

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The fourth is disability benefits

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It is an income guarantee benefit paid when

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an injury or disease has healed but the labor capacity is lost due to mental or physical damage

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Disability level is determined according to the degree of loss

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and the salary is calculated based on the average wage

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Disability benefit payment methods according to disability level are as follows

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Here, in the case of grades 1 to 3, only pensions are paid

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grades 4 to 7 are paid as pensions or lump sum payments

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and grades 8 to 14 are paid only as lump sum payments

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The fifth is nursing benefits

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It is paid to people with severe disabilities who actually need care after healing

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That is, grade 1 and grade 2 disability


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The standard amount of nursing benefits is 44,760 won for full time care of professional caregivers

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and 29,840 won for part time care of professional caregivers

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41,170 won for family and other caregivers for full time care

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and 27,450 won for part time care

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Here, full time care benefits are paid to people who need other people's care "all the time"

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to perform movements necessary for daily life due to the remaining disabilities

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and part time care benefits are paid to people who need other people's care

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"from time to time" to perform movements necessary for daily life

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The sixth is survivors benefits

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Survivor benefits refer to insurance benefits paid to guarantee the life of the bereaved family

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if a worker is presumed to have died or died due to business reasons

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It is a principle to pay as a pension

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but if there is no pensioner, it is paid as a lump sum

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When a beneficiary applies, 50% is paid as a lump sum

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and the pension is paid as a 50% reduction

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The pension payment is determined by multiplying the average wage by 52% to 67% of 365 days

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and the lump sum is determined by multiplying the average wage by 1,300 days

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Eligible persons shall be bereaved family members who were living with the worker at the time of the death

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including spouses of the deceased, parents or grandparents aged 60 or older

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persons under 25 as children, persons under the age of 25 as grandchildren

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persons under the age of 19 or 60 or older as siblings

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children, parents, grandchildren, grandparents, or siblings 


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who do not fall under any of the above number 2 to 5


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with severe disabilities under attached Table 1 of 


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the Enforcement Rules of the Welfare of Persons with Disabilities Act


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Livelihood status shall be determined as a person who lived together with a worker

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on the resident registration list under the Resident Registration Act

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a person who maintained all or a large portion of his or her livelihood with the income of the worker

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a family of the worker who maintained all or large portion of their livelihood with the income of the worker

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that did not have the same resident registration or did not live together

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due to study, employment, nursing, or other housing conditions

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and a person apart from the family who maintained all or most of his or her livelihood through

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money or financial support regularly paid by the worker

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Seventh is the funeral expenses

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It is paid to the bereaved family who have been in the funeral of a worker who died due to business reasons

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If the bereaved family member performed the funeral, they will be paid an amount equivalent to 120 days of the average wage

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and if a person who is not a bereaved family member has performed the funeral

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they will be paid the actual expenditure within the range of the amount equivalent to 120 days of the average wage

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As of 2023, the maximum amount is 17,241,680 won and the minimum amount is 12,460,160 won

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The eighth is vocational rehabilitation benefits

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Vocational rehabilitation benefits are insurance benefits that pay

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vocational training expenses and vocational training allowances

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to those who need vocational training for employment among disability level 1 through 12

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and pay return-to-work support, adaptation training expenses

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and rehabilitation training expenses to employers who maintain employment of disability beneficiary

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The return-to-work support shall be paid to business owners who have made workers among disability levels 1 through 12 return

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and maintained employment of their original positions for more than six months from the end of care

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Work adaptation training expenses and rehabilitation exercise expenses are paid to employers for

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adaptation training and rehabilitation exercises for the workers among disability levels 1 through 12 who returned to their original positions

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Vocational training subsidies pay vocational training expenses to training institutions within 6 million won

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during vocational training for unemployed injured workers with disabilities levels 1 to 12

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and pay trainees a minimum wage per day as a training allowance

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Ninth is the insurance benefit for pneumoconiosis

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Insurance benefits for pneumoconiosis include care benefits, nursing benefits, funeral expenses

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vocational rehabilitation benefits, pneumoconiosis compensation pensions, and pneumoconiosis surviving family pension

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Pneumoconiosis compensation pension pays the basic pension plus the pneumoconiosis pension

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Pneumoconiosis surviving family pensions pay recipients the same amount as the pneumoconiosis pensions paid or determined to be paid

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to pneumoconiosis workers at the time of their death

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Let's take a look at the calculation criteria for insurance benefits

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First of all, insurance benefits are calculated based on the 'average wage' under the Labor Standards Act in principle

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The average wage is increased or decreased every year to guarantee the real wage of long-term benefit recipients such as pensions

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and the maximum minimum compensation standard is operated to solve excessive and under-guaranteed problems

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Here, the average wage refers to the total amount of wages for the three months prior to the date of occurrence of the calculation reason

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divided by the total number of days for the three months prior to the date of occurrence of the calculation reason

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If the normal wage is higher than the average wage, the normal wage is used as the average wage

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For those with occupational diseases and those with unusual work patterns, the special case for calculating average wages is applied

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The special case for calculating the average wage of workers with occupational disease applies to workers who are

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exposed to risk factors such as pneumoconiosis and noise-induced hearing loss for a long time or who have an occupational disease with incubation period

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and the wages of workers of similar gender, industry, size, and occupation are applied based on wage statistics

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Let's look at the case of workers with unusual work patterns

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Since the number of working days for daily workers is irregular depending on seasonal factors and etc.

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the average wage for daily workers is 73% multiplied by the daily wage

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In order to solve the problem of over- and under-guarantee of industrial accident insurance benefits

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if the average wage exceeds the maximum compensation standard amount or is less than the minimum compensation standard amount

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the maximum and minimum compensation standard amount will be applied as the average wage

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As of 2023, the maximum compensation standard amount is 246,036 won per day

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and the minimum compensation standard amount is 76,960 won per day