Everything You Need to Know to Ensure Your Benefit

Accident Assistance is an essential benefit for workers who have suffered an accident and are left with after-effects that have reduced their ability to work.

In this complete guide, Social Security Law Specialist Dr. Robson Gonçalves Araújo da Silva explains everything you need to know to guarantee your benefit in 2024.

We will cover important aspects such as the definition of accident assistance, the requirements for obtaining it, the application process, among other relevant topics.

What is Accident Assistance?

Accident Benefit is a social security benefit granted to an insured person who has suffered an accident of any nature, resulting in after-effects that reduce their ability to work.

Unlike Sickness Benefit, which is temporary, Accident Benefit is paid for life, until the insured person retires.

Difference between Accident Benefit and Sickness Benefit

● Sickness Benefit: Temporary benefit granted to the insured person who is unable to work for more than 15 consecutive days.

● Accident Benefit: Permanent benefit paid to the insured who, after an accident, is left with after-effects that reduce their ability to work, even if they continue working.

Requirements for Obtaining Accident Benefit

To be entitled to Accident Benefit, it is necessary to meet some specific requirements.

The Lawyer specializing in Social Security Law, Dr. Robson Gonçalves Araújo da Silva, explains the main criteria:

● Insured Status: The applicant must be insured with the INSS, that is, he/she must be contributing or be within the grace period, which is the time in which the insured maintains status even without contributing.

● Reduction in work capacity: It is essential that the accident has caused a reduction in work capacity.

● Causal Link with Work: It must be proven that the accident or occupational disease occurred due to work. The causal link is essential for the granting of the benefit.

Required Documentation

To apply for Accident Benefit, it is essential to present complete and adequate documentation. Check out the main documents required:

● Medical Reports and Certificates: Detailed reports issued by specialist doctors that prove the existence of after-effects and reduced working capacity.

● Complementary Examinations: Complementary medical examinations that attest to the severity of the injuries and their consequences for the ability to work.

● Work Accident Report (CAT): The CAT is essential to prove that the accident occurred in the workplace or as a result of it.

● Personal Documentation: Personal documents such as ID, CPF, proof of residence and Work Card.

Accident Assistance and Other Benefits

● BPC/LOAS: The BPC/LOASIt is a welfare benefit intended for the elderly and people with disabilities who prove that they do not have the means to support themselves. Unlike Accident Benefit, BPC/LOAS does not require prior contributions to the INSS.

● Sickness Benefit: Sickness Benefit is temporarily granted to the insured who is unable to work. After partial recovery, if any after-effects remain, the Accident Assistance may be requested.

● Disability Retirement: A By disability retirement It is granted to insured persons who are permanently unable to work. If the insured person who receives Accident Benefit retires due to disability, the benefit will cease and be replaced by retirement.

● Retirement for Persons with Disabilities: This benefit is intended for workers with disabilities who have contributed to social security. It is possible to receive Accident Benefit and, later, apply for Disability Retirement, if you meet the necessary requirements.

Conclusion

The Lawyer specializing in Social Security Law, Dr. Robson Gonçalves Araújo da Silva, highlights the importance of specialized legal support to guarantee the granting of Accident Benefit.

Proper guidance from gathering documents to medical examination can make a difference in obtaining the benefit.

If you need help applying for Accident Benefit or any other social security benefit, contact a lawyer specializing in social security law.

Featured Photo: accident assistance (reproduction/disclosure)