Physical impairment is established if an insured person is affected by a loss, a major injury, or a major incapacitation of individual organs or parts of the body which aggravates the activity of the organism and demands greater effort in meeting one’s basic vital needs, regardless of whether or not it causes disability.

For the entitlement to a disability allowance due to physical impairment as a result of an accident at work or an occupational disease, the following conditions must be met:

• the physical impairment is of a certain type and degree of at least 30%,
• the impairment occurred during a coverage period,
• the impairment occurred as a result of an accident at work or an occupational disease, and
• an insured person was covered for an extended scope of rights for most of the coverage period.

For the entitlement to a disability allowance due to physical impairment as a result of a disease or an off-the-job injury, the following conditions must be met:

• the physical impairment is at least 50%,
• an insured person has completed pension qualifying years required for the entitlement to a disability pension by the time a physical impairment occurred, whether or not such an impairment leads to disability,
• an insured person was covered for an extended scope of rights for most of the coverage period.

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