{"id":706,"date":"2018-09-13T22:41:10","date_gmt":"2018-09-13T22:41:10","guid":{"rendered":"http:\/\/advofair.dk\/?p=706"},"modified":"2018-09-13T22:54:19","modified_gmt":"2018-09-13T22:54:19","slug":"som-selvstaendig-er-du-ikke-automatisk-daekket-ved-arbejdsskader","status":"publish","type":"post","link":"https:\/\/advofair.dk\/?p=706","title":{"rendered":"Som selvst\u00e6ndig er du ikke automatisk d\u00e6kket ved arbejdsskader"},"content":{"rendered":"

Det er nemlig frivilligt, om du vil v\u00e6re d\u00e6kket i tilf\u00e6lde af arbejdsulykke eller erhvervssygdom.<\/p>\n

Det er dog nok en af de billigste “erhvervsevnetabsforsikringer”, som du kan tegne. Den g\u00e6lder selvf\u00f8lgelig kun, hvis skaden sker, mens du er p\u00e5 arbejde, tilgeng\u00e6ld er der udbetaling allerede fra 15 % erhvervsevnetab, men en ret god handel, hvis uheldet skulle v\u00e6re ude (ogs\u00e5 selvom sagsbehandlingstiden er mildest talt forf\u00e6rdelig lang).<\/p>\n

V\u00e6r i\u00f8vrigt opm\u00e6rksom p\u00e5, at der findes TO typer af arbejdsskader – arbejdsulykker og erhvervssygdomme. Arbejdsulykker f\u00e5r du d\u00e6kket via et arbejdsskadeforsikringsselskab, mens erhvervssygdomme d\u00e6kkes, hvis du er omfattet af AES’ ordning. Du skal med andre ord tegne d\u00e6kning to steder, hvis du skal v\u00e6re d\u00e6kket i begge tilf\u00e6lde.<\/p>\n

(Erhvervssygdomme er typisk nedslidning, arbejdsudl\u00f8st kr\u00e6ft, allergier o.lign.)<\/p>\n

Hvorn\u00e5r er man s\u00e5 “selvst\u00e6ndig” i lovens forstand?<\/h3>\n

Hvis du driver en enkeltmandsvirksomhed, interessentskab (I\/S) eller kommanditselskab (K\/S), s\u00e5 er du “selvst\u00e6ndig” og skal tegne en s\u00e6rskilt forsikring.<\/p>\n

Driver du virksomhed i IVS, ApS eller A\/S form, s\u00e5 er du “ansat” – ogs\u00e5 selvom du er direkt\u00f8r – og dermed omfattet af den almindelige arbejdsskaded\u00e6kning.<\/p>\n","protected":false},"excerpt":{"rendered":"

Det er nemlig frivilligt, om du vil v\u00e6re d\u00e6kket i tilf\u00e6lde af arbejdsulykke eller erhvervssygdom. Det er dog nok en af de billigste “erhvervsevnetabsforsikringer”, som du kan tegne. Den g\u00e6lder selvf\u00f8lgelig kun, hvis skaden sker, mens du er p\u00e5 arbejde, tilgeng\u00e6ld er der udbetaling allerede fra 15 % erhvervsevnetab, men…<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21,37],"tags":[],"class_list":["post-706","post","type-post","status-publish","format-standard","hentry","category-arbejdsskader","category-selvstaendige-arbejdsskader"],"yoast_head":"\nSom selvst\u00e6ndig er du ikke automatisk d\u00e6kket ved arbejdsskader - ADVOFAIR<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/advofair.dk\/?p=706\" \/>\n<meta property=\"og:locale\" content=\"da_DK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Som selvst\u00e6ndig er du ikke automatisk d\u00e6kket ved arbejdsskader - ADVOFAIR\" \/>\n<meta property=\"og:description\" content=\"Det er nemlig frivilligt, om du vil v\u00e6re d\u00e6kket i tilf\u00e6lde af arbejdsulykke eller erhvervssygdom. Det er dog nok en af de billigste “erhvervsevnetabsforsikringer”, som du kan tegne. Den g\u00e6lder selvf\u00f8lgelig kun, hvis skaden sker, mens du er p\u00e5 arbejde, tilgeng\u00e6ld er der udbetaling allerede fra 15 % erhvervsevnetab, men...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/advofair.dk\/?p=706\" \/>\n<meta property=\"og:site_name\" content=\"ADVOFAIR\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/advofair\/\" \/>\n<meta property=\"article:published_time\" content=\"2018-09-13T22:41:10+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2018-09-13T22:54:19+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/advofair.dk\/wp-content\/uploads\/2020\/03\/advofair-blaa-bomaerke-ovenpaa.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1211\" \/>\n\t<meta property=\"og:image:height\" content=\"1211\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Solveig V\u00e6rum N\u00f8rgaard\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Skrevet af\" \/>\n\t<meta name=\"twitter:data1\" content=\"Solveig V\u00e6rum N\u00f8rgaard\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimeret l\u00e6setid\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minut\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/advofair.dk\\\/?p=706#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/advofair.dk\\\/?p=706\"},\"author\":{\"name\":\"Solveig V\u00e6rum N\u00f8rgaard\",\"@id\":\"https:\\\/\\\/advofair.dk\\\/#\\\/schema\\\/person\\\/472f019595b9b4ba542a26621268bb80\"},\"headline\":\"Som selvst\u00e6ndig er du ikke automatisk d\u00e6kket ved arbejdsskader\",\"datePublished\":\"2018-09-13T22:41:10+00:00\",\"dateModified\":\"2018-09-13T22:54:19+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/advofair.dk\\\/?p=706\"},\"wordCount\":218,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/advofair.dk\\\/#organization\"},\"articleSection\":[\"Arbejdsskader\",\"selvst\u00e6ndige\"],\"inLanguage\":\"da-DK\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/advofair.dk\\\/?p=706#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/advofair.dk\\\/?p=706\",\"url\":\"https:\\\/\\\/advofair.dk\\\/?p=706\",\"name\":\"Som selvst\u00e6ndig er du ikke automatisk d\u00e6kket ved arbejdsskader - 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