What is production, is known to many. In various sectors of the economy, millions of people work. And how dangerous such work can be to health or even to life is not worth talking about. Take at least the coal industry. In terms of danger, it takes first place. The list of sectors hazardous to health also includes construction, agriculture and even the socio-cultural sphere.
Occupational injury can happen to every working person. It can occur due to the fault of the victim himself, due to wear and tear of equipment or due to improper organization of labor in production. But minor injuries are often simply hushed up or made out as household ones. After all, not a single manager of the enterprise wants to create problems for himself due to a usual cut or bruise. He simply pays the employee temporary disability and thus solves this problem amicably. This, of course, has its own share of truth. After all, neither the injured, nor the management of the enterprise are reluctant because of some trifles to fill in a bunch of papers and receive commissions from the supervisory authorities, which along the way will find many more shortcomings in terms of labor safety. But if a serious industrial injury has occurred, then the victim may demand the compensation laid down to him, which is provided for by law.
In many countries, there is a special social fund that deals with insurance against accidents of this kind, as well as against occupational diseases. The funds of this Fund are intended just for payment to victims. And if an industrial injury is received at work, then the enterprise is obliged to compensate for all costs associated with this incident. And then it can already demand from the Fund compensation for the funds that were spent on these payments.
And although formally employers do not lose much on such insurance benefits, they still try to hide them. And the reason lies in the fact that for each such insured event, the Fund creates its own commission. And its members conduct an audit at the enterprise to determine the cause of the injury and find the culprit of the incident. If the commission finds that safety is not fully observed at this production facility, then the enterprise will not only not receive money from the Fund, but will also be responsible for violations. And depending on how serious this work injury is, the responsibility can be not only administrative, but also criminal. There are also cases of "piece" injury, when the "victim" wants to fraudulently get insurance. And the task of the inspectors of the Fund is to expose such a “victim”.
But there are times when the employer does not conclude an employment agreement with the employee. This is most practiced among private entrepreneurs. In this case, neither the employee nor the company makes contributions to the Insurance Fund. And if an industrial injury occurs, the duties and rights of such workers will not be confirmed by anything. And in this case, it will be possible to receive compensation only through the court. And this process is long - and not always it gives a positive result.
Also, some employers pay their workers part of the salary in “envelopes”, and according to official statements only the minimum wage is passed. In this they also try to save on taxes and other payments. But such savings can "go sideways" if an industrial injury occurs. Then at the time of disability, the victim will receive small payments. After all, their amount depends on the average official salary. And if the irreparable happens, then the victim’s family will not be able to hope for decent compensation in connection with the death of the breadwinner. So it’s better not to save a penny on insurance payments. Otherwise, then it will be too late to "bite your elbows."