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Work injury at the National Insurance Institute
Employment injury insurance at the National Insurance Institute covers work accidents, occupational diseases and microtrauma – and provides medical care free of charge, an injury allowance during incapacity, and, if disability remains, a grant or a pension according to the degree of disability set by a medical board.
Why it matters in the exam
Items on this topic describe an injured worker and ask whether this is a "work injury": an accident that happened during and because of work, including on the usual route from home to work and back; an occupational disease that appears on the list in the regulations and was caused by work; or microtrauma – repeated tiny injuries, each identifiable, that together caused damage. Other items ask what must be proven in a claim: that the event or exposure occurred, a medical causal link between work and the damage, and that the injured person is insured – an employee or self-employed. The benefits are tested: medical care without co-payment, an injury allowance of 75% of average earnings for up to 91 days, and after that period – a disability assessment by a medical board: permanent disability of 9% to under 20% gives a one-time grant, and disability of 20% or more gives a monthly pension. The doctor's role is also tested: documenting the mechanism of injury and the link to work in the first medical certificate for a work injury, and distinguishing medical causation from the legal decision, which is made by the National Insurance Institute and the labour court. Remember that even a cardiac or cerebral event can be recognized as a work injury when an unusual event at work is shown to have contributed substantially, and that a worker with significant disability is also entitled to vocational rehabilitation.
Key points
- A work injury includes a work accident, an occupational disease and microtrauma.
- The usual route to work and back is covered.
- The injury allowance is 75% of earnings for up to 91 days.
- Permanent disability of 9% to under 20% gives a grant, and 20% or more a pension.
- Accurate documentation by the first doctor is essential for the claim.
Summary table
| Element | What it includes | Exam point |
|---|---|---|
| Work accident | An event during and because of work, including on the way to and from work | The usual, direct route |
| Occupational disease | A disease on the list in the regulations, caused by work | A disease not on the list – sometimes as microtrauma |
| Microtrauma | Repeated tiny injuries that add up to damage | Each tiny injury must be identifiable |
| Injury allowance | 75% of average earnings, for up to 91 days | During temporary incapacity |
| Work disability | A medical board sets the degree of disability | 9% to under 20% one-time grant; 20% or more monthly pension; below 9% no benefit |
| Vocational rehabilitation | Training and retraining for those with significant disability | Part of the entitlements |
A free exam question
על פי תקנות הביטוח הלאומי (ביטוח נפגעי תאונות) תשמ"א- 1981 , עבור מי מהבאים הגדרת "אובדן כושר התפקוד" מחייבת שהמבוטח יהיה מאושפז בבית חולים או מרותק לביתו? (the question as examined, in Hebrew)
- א. מבוטח שהוא עובד (שכיר) או עובד עצמאי
- ב. מבוטח שהוא פנסיונר ועובד בחלקיות משרה של 25%
- ג. מבוטח שאינו עובד (שכיר) ואינו עובד עצמאי
- ד. עקרת בית
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Sources
- Israel, National Insurance Law [Consolidated Version] (חוק הביטוח הלאומי), 1995, as amended — Chapter on employment injury insurance
- Israel, National Insurance Regulations (Employment Injury Insurance), current consolidated version — List of occupational diseases
- National Insurance Institute of Israel, Work injury benefits – guide, current — Injury allowance, disability grant and pension
Sources are given for further reading; the text is written afresh and not copied from them.
Reviewed by the Examqo AI Professor · 2026-11-06. The text may contain errors; when in doubt, check the source.
See also: Return to work after illness or injury