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I am back at work and earning more: can my work-accident pension be cut?
Can higher pay reduce a permanent-incapacity pension? Understand the rule and its pension-review exception under Portuguese Law 98/2009.
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71 articles
The office at 6 pm
Fake executive: the deceived person made the transfer. Which clause should you look for?
Distinguishing an instruction sent to the bank from a payment made by the deceived person helps locate the relevant policy definition.
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An apprentice's work accident: is compensation based only on what they receive?
Apprentices and trainees have a specific reference-pay rule. Understand Article 71(7) and separate an allowance, calculation base and compensation.
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The cargo arrived undamaged: why am I asked for a general-average contribution?
In sea carriage, undamaged cargo can contribute to general average. Separate the contribution, requested security and insurance response before replying.
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Specialist fees after business damage: are repair and claim preparation the same expense?
A repair design and a report supporting a claim serve different purposes. Separate the services and check the benefit actually purchased.
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Does a pre-existing condition exclude compensation for a work accident?
A previous condition alone does not determine compensation. Distinguish predisposition, aggravation and existing disability without calculating an individual claim.
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Can an employer deduct work accident insurance from an employee’s salary?
Portuguese law prohibits passing these costs into salary deductions. Distinguish the insurer’s identification from a deduction and learn how to clarify an ambiguous payslip item.
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Professional liability: can the client claim compensation directly from the insurer?
Direct rights against the insurer follow different rules for compulsory and voluntary liability insurance. A certificate alone settles neither the distinction nor entitlement to payment.
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The policy is ending: do losses from an earlier insured interruption end too?
Policy termination and the indemnity period are different questions. Read the legal rule and a business-interruption example without assuming twelve guaranteed months.
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After a workplace accident: who should arrange adaptation of the job?
Rehabilitation, compatible duties and insurance are separate parts of the process. Understand employer duties and assessment without assuming funding.
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Foreign worker in Portugal: is occupational-accident protection the same?
Law 98/2009 provides equal treatment and protection for relatives. Understand the scope, the specific temporary foreign-employer situation and insurance checks.
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Consignment stock in my shop: is it included in my insurance sum insured?
Supplier-owned stock needs a separate line in business multi-risk insurance. Read a contractual example and prepare ownership, values, limits and other policies.
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Glasses broken in a work accident: who pays for repair?
Portugal’s work-accident regime distinguishes existing technical aids from an ordinary optical purchase. Prepare a request to assess repair or replacement of damaged glasses.
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Incapacity has worsened: can a work accident benefit be reviewed?
Portuguese law allows review linked to changes in working or earning capacity. Understand its scope and frequency without assuming an automatic increase.
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Work accident: must you pay treatment transport costs in advance?
Portuguese law provides for prior payment responsibility or an advance. Separate organising suitable transport from choosing expenditure independently.
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Hired machinery: does hull cover pay for damage that is the owner’s responsibility?
A hired-equipment exclusion may depend on the owner’s responsibility. Read the whole sentence alongside the hire agreement.
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A leak discovered today, earlier warning signs: what should you tell the business insurer?
Today's discovery does not establish when a leak began. Organise maintenance records, earlier signs and communications without inventing a timeline.
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Stock in another warehouse: does third-party custody cover a planned refurbishment?
A cover label can conceal a decisive condition: why the goods moved. Separate planned works, storage following an insured loss and the journey itself.
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Surety insurance or a bank guarantee: does Portugal’s CCP allow both?
Portugal’s Public Contracts Code provides several forms of security. That does not dispense with reviewing the guarantee or authorise replacing one already provided.
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The team will work at another site: does occupational accident insurance need updating?
Location, task and duration help describe the risk. Prepare the information before moving the team.
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Your café is adding a kitchen: when must you tell the insurer?
A new business activity can change the insured risk. Understand when the Portuguese 14-day notification rule applies and prepare a business property insurance review.
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Work accident in Portugal: can I choose my treating doctor?
Portuguese work accident law sets a rule and exceptions for choosing the treating doctor. Distinguish urgent care, follow-up and a disputed discharge.
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The business and claimant use the same insurer: who handles the defence?
A conflict in business liability insurance requires specific explanations. Separate notification of the conflict, choice of defence and responsibility for costs.
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A machine damaged a wall: does casco also deal with third-party losses?
Machine damage and liability for a wall it hits are different questions. Check the liability section, equipment and activity in a machinery casco proposal.
Read articleInformation to help you understand insurance. Conditions and acceptance depend on each contract.
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