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Frequently asked questions about accident compensation

Compensation claims

Can I submit a claim form electronically?

Yes, you can submit a claim form electronically using Mela’s e-services (in Finnish and Swedish). Remember to notify Mela about any occupational accident or disease within 60 days of the accident or onset of the disease.

Are copies of receipts enough for Mela?

Yes, you can submit copies of receipts, also as attachments using our e-services (Lähetä liitteitä, Send attachments).

Can I notify Mela about an occupational accident or disease after 60 days?

Yes, you can fill in a claim form also after 60 days, but remember to include on the form an explanation for the delay. Any claims that are submitted after the 60-day deadline are evaluated by Mela to clarify the reasons for the delay and whether denying compensation is reasonable in the circumstances.

Payment commitments

How can I obtain a payment commitment for an MRI or surgery by a private healthcare provider?

The physician treating you must always request a payment commitment from Mela for any medical examination or procedure costing 320 euros or more (2020).

If the physician treating you recommends a medical examination or procedure that requires and is eligible for a payment commitment, explain that you have occupational accident and disease insurance issued by Mela. The physician or treatment facility will then send a request to Mela for a payment commitment together with the required medical records.

How can I obtain a payment commitment for medications prescribed for treating an occupational disease?

In order to process your payment commitment, we need a copy of the prescription. You can submit a copy to Mela electronically using our e-services (Lähetä liitteitä, Send attachments).

Compensation for functional limitation

Do I have to apply separately for compensation for functional limitation?

No, compensation for functional limitation does not have to be applied for separately. Mela evaluates the eligibility for compensation based on medical reports.

Taxation of accident compensation

I think too much tax has been withheld from my allowance/accident pension – what should I do?

You can request a new card for your accident benefits online from the Finnish Tax Administration website (www.vero.fi). You will need to provide information about all accident benefits, pensions and other income that has been paid to you so that the correct tax percentage rate can be calculated.

The new tax card will be valid as soon as it is issued to you. If you want the new tax card to apply also to loss of income compensation that is paid retrospectively, remember to request this from the Finnish Tax Administration.

If the new tax card is applied retrospectively, you will be refunded for any excess taxes that have been paid on your accident benefits during the retrospective period.

New tax cards should always be submitted on paper. However, increases in the tax percentage can be notified by phone.

Please note that, according to the guidelines of the Finnish Tax Administration, the withholding tax percentage rate for allowances, rehabilitation compensation amounting to the same, and loss of income compensation during the examination period paid on the basis of voluntary insurance policies is always 50 percent.

How is the withholding tax percentage rate for accident benefits calculated?

The minimum withholding tax percentage rate issued by the Finnish Tax Administration is 25 percent for mandatory insurance policyholders. In other cases, the withholding tax percentage rate is 40 percent.

According to the guidelines of the Finnish Tax Administration, the withholding tax percentage rate for allowances, rehabilitation compensation amounting to the same, and loss of income compensation during the examination period paid on the basis of voluntary insurance policies is always 50 percent.

If the applicable periods for loss of income compensation are in years preceding the payment year, the withholding tax percentage rate in accordance with the guidelines of the Finnish Tax Administration is always 50 percent.

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