Deputy Legal Advisor of National Insurance on Halat/Maariv
These days the State of Israel is yearning for additional income and any amount of money added to its dwindling coffers should be used by it in order to face the multitude of challenges that stand before it. Therefore, the 287 million shekels, which National Insurance was able to receive this year from the clutches of the insurance companies in Israel - is great news.
According to data published exclusively by Vala Money, during the past year the scope of the 'spin-off' from insurance companies was at an all-time record. The dedicated work of a dedicated and outstanding department at the National Criminal Court, under the direction of attorney Michal Guri, has flowed into the state coffers during the past 11 years a cumulative sum of one billion and 687 million shekels.
Was the employee injured? The insurance companies do not necessarily transfer money to the National Insurance/ShutterStock
What is a spin? Every year, thousands of workers are injured in work accidents, some of them seriously. In quite a few cases, their employer has purchased insurance that covers his liability for damages caused by his negligence to his employees. Besides, since it is a work accident, the insurance companies deduct from the compensation paid to that employee the amount he should receive from National Insurance.
In the next step, the insurers were supposed to transfer the money to the National Insurance, but in many cases - they did not do so. As a result, hundreds of millions of shekels, which constitute public funds, remained in the bank accounts of the insurance companies.
What led to the all-time record in the collection of shivov money during the year 2023? According to Michal Guri, the manager of the repatriation field at the National Insurance: "During the year we reopened tens of thousands of cases that were previously closed by the claims clerks, you have to understand, a claims clerk is an expert in granting rights and not in repurchasing cases that have a legal aspect, so these are two different levels. The team I was with did a very deep plowing and re-examination of the potential of the exchange. Each and every one of the department's staff went through thousands of cases this year and found countless cases where the statute of limitations has not yet set in, and the damage can be traced back to the negligent party."
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Michal Gori Senior Deputy Legal Counsel at the National Insurance/Public Relations
According to the data, in 2012 the scope of recovery in tort cases was only 43 million shekels, while the year 2022 ends with a collection amounting to 184 million shekels. According to the data - the year 2020 was recorded as a record year in terms of the collection amount, during which an amount of NIS 200 million was transferred to the National Insurance.
Among the mountains of bags, is there a particularly interesting bag?
"Over the years, hundreds of employees worked at one of the largest marble companies in Israel who were exposed to various substances for a long time, and as a result, among other things, fell ill with silicosis and diseases and liver failure. At first glance, it seemed that there was no potential for reversal in these cases since the employer could not be sued, but only a third party However, when we dug deeper, it became clear that the same company had turned from an employer into a third-party entity that could be sued. The reason is that at that time, due to the workload, workers who were not its employees worked in its factory, those who were employed by small factories, which made their employees available to Ibn Caesar .
"We did a deep search and currently, lawsuits are pending against the aforementioned company in a total amount of approximately 265 million shekels, of which the National Insurance is expected to receive between a quarter and a third, as part of its responsibility as a third party (because there are actually others involved).
Adv. Romi Honig/Michel Rabivo
Attorney Romi Honig is an expert in National Insurance law, who serves as the chairperson of the National Insurance Forum at the Bar Association, because it is possible that the disease will break out some years after the employee's exposure to carcinogenic substances as part of and as a result of his work. "In such a case, when a person gets cancer, it is important to find out what the causes of the disease were, as this may have a dramatic effect on the amount of pensions he will receive. While the maximum rate of the general disability allowance today is 4,291 NIS, a disabled person who earned, for example: 10,000 NIS and received 100% will be entitled for a monthly allowance of 7,500 shekels. In the event that the disabled person passed away due to the recognized illness - the spouse will receive a dependent's allowance for the injured worker in the amount of 4,500 shekels instead of a survivor's allowance in the amount of 1,700 shekels. Of course, the higher the salary, the amount of allowances for the injured worker and his dependents will be higher.
How is it possible To further streamline the process and return higher amounts to the state coffers?
"There is a work plan for the coming years: after we have gone through all the cases that have the potential of being repaid, we begin to implement a procedure within it. After a case is approved for compensation by the claims clerk, it is transferred directly to the review department for examination , which is the most professional and effective agency for handling this aspect. This is how a circular treatment is created, both in providing a service to the public and the rights it deserves from the National Insurance pensions and then beyond us, the repatriation department of the legal advice, which makes sure that the public's money is returned to it. I see how over the years How my team is getting more efficient, and becoming professional and expert on the subject, they work day and night to make sure that these funds return to the public, because every shekel that goes into the National Insurance is money for pensions, aid, etc.
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