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L  M  Starfsh;parogsrfrWingarL  M  .L  M   r   L  M    SjkratryggingastofnuninnierheimiltaWskipastarfsh;paogkallatilsrfrWingatilaW e= aWstoWastofnunina,m.a.viWgerWsamninga,notkungagnreyndrarYekkingarsviWiheil 0 brigWisYj;nustu,rangursmat,gWamatogeftirlitogviWmatYvhvortunntsaWveita  lknismeWferWhrlandi,sbr.23.gr.  L  M    L  M  III.KAFLI \4 L  M  Sjkratryggingar.L  M   '  L  M  A.AlmennkvWi.  9.gr.  L  M  Sjkratryggingar.L  M   `      L  M  SjkratryggingL  M  arL  M  ԀtL  M  aL  M  kL  M  aL  M  ԀtilheilbrigWisYj;nustuL  M  ԀogannarraraWstoWarL  M  semkveWiWhefurveriW S+! meWlgumL  M  ԀYessumL  M  ,reglugerWumL  M  ԀsettumsamkvmtYeimL  M  ԀeWasamningumaWveitakostnaW " rkisinseWameWgreiWsluYtttkurkisins.L  M  ԀJafnframttakasjkratryggingartilb;tasamkvmt # lgumYessumsemgreiddarerupeningum.SjkratryggWireinstaklingareigartttilaWstoW  $ arsvosemnnarermltfyrirumlgumYessum. !W% L  M    L  M  10.gr. #' L  M  SjkratryggWirsamkvmtlgunum.L  M   #(   L  M    SjkratryggWurerssemL  M  ԀerL  M  Ԁbsettur0slandiL  M  ԀoghefurveriWYaWL  M  Ԁa.m.k.sWustusexmn $ ) uWinaWurenb;taer;skaWrsjkratryggingumL  M  ԀaWuppfylltumWrumskilyrWumlagaYess v%N!* araL  M  ,nemaannaWleiWiafmillirkjasamningum.L  M  ԀL  M  MeWbsetuerttviWlgheimiliskilningi A&"+ lgheimilislaga.L  M    '", L  M   '#-   Brnyngrien18raL  M  sembsetteruhrlandiL  M  erusjkratryggWmeWforeldrumsnum. ( L  M  SamaviWumstjpbrnogf;sturbrn.L  M    L  M    SjkratryggingfellurniWurYegarsjkratryggWurflyturbsetusnafr0slandi,sbr.Y;L  M  1L  M  1L  M  .L  M  ,  L  M  1L  M  2.og15.L  M  Ԁgr.,nemaannaWleiWiafmillirkjasamningum.Xgetamillirkjasamningarsem a 0slanderaWiliaWhaftfrmeWsrL  M  undanYgurogL  M  takmarkanirbeitingukL  M  vL  M  WalagaYess T, ara.L  M    L  M    SjkratrygginL  M  gastofnunL  M  inL  M  ԀkvarWarhvorteinstaklingurtelstL  M  sjkraL  M  tryggWurhrlandi  samkvmtlgunum.L  M       RWherraseturreglugerWumnnariframkvmdgreinarinnar,m.a.umskrningurtt  X indumsjkratryggWra.0reglugerWinnierheimiltaWkveWaumundanYgurfrsexmnaWa K #  bsetuskilyrWinu.    L  M    L  M  11.gr.   L  M  SjkratryggingYrttfyrirdvl,nmeWaatvinnuerlendis.L  M   wO    L  M    SjkratL  M  ryggingastofnunL  M  inniL  M  ԀerheimiltaWkveWasamkvmtums;knaWeinstaklingursem B  sjkratryggWurersamkvmtlgunumsframL  M  sjkraL  M  tryggWurY;tthannuppfylliekkiskil    yrWiL  M  10L  M  .gr.,endastarfiL  M  hannL  M  ԀerlendisfyriraWilasemhL  M  eL  M  fL  M  urL  M  ԀaWseturogstarfsemi0slandiog   tryggingagjald,sbr.lgumtryggingagjald,sgreitthrlandiaflaunumhans.L  M  Samagildir {  ummakahansogbrnundir18raaldrisemdveljastmeWhonum. nF L  M    SjkratL  M  ryggingastofnunL  M  inniL  M  ԀerheimiltaWkveWasamkvmtums;knaWeinstaklingursem 9 sjkratryggWurersamkvmtlgunumsframL  M  sjkraL  M  tryggWurY;tthannuppfylliekkiskil  yrWiL  M  10L  M  .gr.,endadveljisthannerlendisviWnmogsekkiL  M  sjkraL  M  tryggWuralmannatrygg  ingumnmslandsins.L  M  SamagildirummakahanssemvarL  M  sjkraL  M  tryggWurhrlandiviWupp r hafnmsinsogbrnnmsmannsinsundir18raaldrisemmeWhonumdveljast. e= L  M    SjkratL  M  ryggingastofnunL  M  inniL  M  ԀerheimiltaWkveWasamkvmtums;knaWeinstaklingursem 0 sjkratryggWurersamkvmtlgunumsframL  M  sjkraL  M  tryggWuralltaWeittrfrbrottfraf  landinuY;tthannuppfylliL  M  hvorkiL  M  ԀskilyrWiL  M  1.mgr.,2.mgr.nL  M  ԀL  M  10L  M  .L  M  Ԁgr.,L  M  ԀendaleiWimillirkja  samningarekkitilannars.L  M  SkilyrWiYessaeraWL  M  hannL  M  Ԁhafihaftsamfelldafastabsetuhr i landieigiskemurenfimmrfyrirbrottfrogaWYaWsekkitilgangurfararaWleitalknis \4 meWferWar. '   RWherraseturreglugerWumL  M  nnariL  M  framkvmdL  M  greinarinnarL  M  ,m.a.umhvaWteljaskuli  viWurkenntnmerlendis.  L  M    L  M  12.gr. S+! L  M  StarfsmennslenskrasendirWa,fastanefndaogrWisskrifstofa.L  M   " L  M      0slenskirrkisborgararsemgegnastrfumerlendisvegumrkisinsviWsendirW,fasta # nefndeWarWisskrifstofuogL  M  fgreiddL  M  Ԁlaunrrkissj;WieruL  M  sjkraL  M  tryggWirL  M  samkvmtlgum  $ YessumL  M  . !W%   SamagildirummakaogbrnermeWYeimdveljast,endaWlistYeirekkisjlfstWrttindi J""& viWkomandilandi. #'   0slenskirrkisborgararsemrWnirerutilstarfaviWsendirW,fastanefndeWarWisskrifstofu #( eWaYj;nustusendierindrekanYessY;aWverasendirtilstarfavegumrkisinseruekki $ ) L  M  sjkraL  M  tryggWirsamkvmtlgumYessumL  M  nemaannaWleiWiafmillirkjasamningum,sbr.Y; v%N!* L  M  11.L  M  Ԁgr.L  M  HeimilteraWkveWaaWYessiraWilarsuL  M  sjkraL  M  tryggWirefumYaWers;tt,utanrkis A&"+ rWuneytiWmliL  M  rL  M  ԀmeWYv,aWumsaWrWastarfsemteljistmikilvgthagsmunum0slands  '", erlendisogaWYeirgetiekkinotiWtryggingagistirkinu.L  M   '#-   RWherraerheimiltaWsetjareglugerWumnnariframkvmdgreinarinnar.L  M   ( L  M  L  M  @!1L  M  3.gr.  @  L  M  StarfsmennerlendrasendirWa,fastanefndaogrWisskrifstofa.L  M  Ԉ a L  M    Sendierindrekarerlendrarkja0slandieruekkiL  M  sjkraL  M  tryggWirL  M  samkvmtlgumYessumL  M  . T,   SamagildirummakaYeirraogbrnsemekkihafaslensktrkisfangogdveljasthr  landimeWYeim,endaWlistYeirekkisjlfstWrttindigrundvelliatvinnuhrlandi.    &  EinkaYj;nustumennsemeruerlendirrkisborgararL  M  ,L  M  ԀstarfaeingnguYj;nustusendi   erindreka' [rԀoghafaekkifastabsetuhrlandieruekkiL  M  sjkraL  M  tryggWirL  M  Ԁsamkvmtlgum  X YessumL  M  ,endanj;tiYeirsjkratryggingasendirkinu. K #  L  M    RWherraerheimiltaWsetjareglugerWumnnariframkvmdgreinarinnar.L  M      L  M    L  M  14.gr.   L  M  StarfsmennalYj;Wastofnana.L  M   wO    L  M    0slenskirrkisborgararsemstarfaerlendishjalYj;WastofnunumogerulaunaWirafYeim B  L  M  eruL  M  ԀekkisjkraL  M  tryggWirL  M  ԀsamkvmtlgumYessumL  M  .L  M  HeimilteraWkveWasamkvmtums;kn    aWeinstaklingurteljistL  M  sjkraL  M  tryggWurYegarumeraWrWastofnunsem0slanderaWiliaWog   starfiWtelstYj;nahagsmunum0slandserlendis.L  M  SkilyrWieraWviWkomandihafiveriWL  M  sjkraL  M  ԃ {  tryggWurL  M  samkvmtlgumYessumL  M  ԀviWupphafstarfsoggetiekkinotiWL  M  sjkraL  M  trygginga nF vegumstarfssnseWavinnuveitanda. 9 L  M    RWherraerheimiltaWsetjareglugerWumnnariframkvmdgreinarinnar.L  M    L  M    L  M  15.gr. r L  M  FriWargsluliWar.L  M   e=   L  M    0slenskirfriWargsluliWarsemstarfaviWfriWargsluerlendisvegumutanrkisrWuneytis 0 insogfgreiddlaunrrkissj;Wi,sbr.lgumslenskufriWargslunaogYtttkuhennar  alYj;WlegrifriWargslu,erusjkratryggWirsamkvmtlgumYessum.    RWherraerheimiltaWsetjareglugerWumnnariframkvmdgreinarinnar. i L  M    L  M  16.gr. ' L  M  Fl;ttamenn.L  M      L  M    Fl;ttamennsemrkisstj;rninhefurveitthlierusjkratryggWirsamkvmtlgumYessum  frkomudegi,aWYvtilskilduaWfyrirliggistaWfestingBtlendingastofnunarYvaWviWkom `  andihafiveriWveittrttarstaWafl;ttamannssamkvmtlgumumtlendinga. S+!   RWherraerheimiltaWsetjareglugerWumnnariframkvmdgreinarinnar.L  M  L  M   "   L  M  B.AWstoW.  $ 17.gr. !W% L  M  Heilsugsla. J""&   L  M    SjkratryggingL  M  arL  M  ԀtL  M  aL  M  kL  M  aL  M  ԀtilheilsugslusamkvmtlgumumheilbrigWisYj;nustu,Y.e.al #' mennralkninga,hjkrunar,heilsuverndarogforvarna,brWaogslysam;ttkuogannarrar #( heilbrigWisYj;nustusemveittervegumheilsugslustWvaL  M  ԀsemreknareruafrkinueWa $ ) samkvmtsamningumskv.IV.kafla. v%N!*   XtL  M  aL  M  kL  M  aL  M  ԀsjkratryggingL  M  arL  M  ԀtilalmennrarlknishjlparoghjkrunarL  M  Ԁsemveitterutanheilsu A&"+ gslustWvaogsamiWhefurveriWumskv.L  M  ԀL  M  IL  M  V.kafla.  '",   RWherraerheimiltaWsetjareglugerWumnnariframkvmdgreinarinnar. '#- L  M    18L  M  .gr. ( L  M  SjkrahsYj;nusta.    L  M    SjkratryggingL  M  arL  M  ԀtL  M  aL  M  kL  M  aL  M  Ԁtil;keypisvistaraWrWilknissjkrahsumL  M  Ԁsemrekineruaf  rkinueWasamkvmtsamningumskv.IV.kaflaL  M  ,Y.m.t.fWingarstofnunum,sbr.Y;L  M  23L  M  .gr. a eWakvWisrlaga.SjkrahsvistskaltryggWeinslengiognauWsynkrefursamtlknishjlp T, oglyfjumogannarriYj;nustusemsjkrahsiWveitir.    EnnfremurtL  M  aL  M  kL  M  aL  M  ԀsjkratryggingL  M  arL  M  ԀtilalmennrarogsrhfWrarYj;nustusemveitter  gngudeildum,dagdeildum,slysadeildumogbrWam;ttkumsjkrahsanYessaWuminn   lgnsjkrahssaWrWa.  X   RWherraerheimiltaWsetjareglugerWumnnariframkvmdgreinarinnar.L  M   K #  L  M    L  M  19.gr.    L  M  Xj;nustasrgreinalkna.L  M         L  M  SjkratryggingartakatilnL  M  auWsynlegL  M  rL  M  aranns;knL  M  aL  M  ԀogmeWferWL  M  arL  M  ԀhjsrgreinalknumL  M  sem wO  samiWhefurveriWumL  M  ԀL  M  skv.IV.kaflaL  M  .L  M   B    RWherragetursettreglugerWumnnariframkvmdgreinarinnarYarsemm.a.erheimilt    aWkveWaumaWL  M  greiWslL  M  uYtttakaL  M  ԀsjkratryggingaskulihWL  M  YvskilyrWiaWfyrirliggiL  M  tilvsun   heilsugslulkniseWaheimilislknis.L  M   {    L  M  20.gr. 9 L  M  Xj;nustatannlkna.L  M      L  M    SjkratryggingL  M  artakatilL  M  ԀL  M  nauWsynlegraL  M  tannlknL  M  ingaaldraWra,ryrkjaogbarnayngrien  18raL  M  ,annarraL  M  Ԁentannrttinga,L  M  semsamiWhefurveriWumskv.IV.kafla.Xtakasjkra r tryggingartilnauWsynlegratannlkningaogtannrttingasemsamiWhefurveriWumskv.IV. e= kafla,vegnaalvarlegraafleiWingameWfddragalla,slysaogsjkd;ma. 0   RL  M  WherrasetL  M  urL  M  ԀreglugerWumL  M  nnariframkvmdgreinarinnar,Yarsemm.a.erheimiltaW  kveWaumnnariskilyrWiogtakmrkungreiWsluYtttkusjkratryggingavegnatannlkn  ingaogtannrttinga.0reglugerWinnierjafnframtheimiltaWkveWaaWsjkratryggingartaki i YttkostnaWiviWtannrttingarsemekkifallaundir2.mlsl.1.mgr. \4 L  M    L  M  21.gr.  L  M  Xj;nustasjkraYjlfara,iWjuYjlfaogtalmeinafrWinga.L  M      L  M    SjkratryggingartakatilnauWsynlegrarsjkraYjlfunar,iWjuYjlfunarogtalYjlfunarsem `  samiWhefurveriWumskv.IV.kafla.SjkratryggingastofnuningeturskiliWvottorWsrfrW S+! ingsumnauWsynYjlfunar. "   RWherraseturreglugerWumnnariframkvmdgreinarinnar,Yarsemm.a.erheimiltaW # kveWaumnnariskilyrWiogtakmrkungreiWsluYtttkusjkratryggingakostnaWiviW  $ Yjlfun. !W% L  M    L  M  22.gr. #' L  M  nnursrhfWheilbrigWisYj;nusta.L  M   #(   L  M    SjkratryggingartakatilannarrarsrhfWrarheilbrigWisYj;nustuenkveWiWerum $ ) L  M  1L  M  7L  M  .!2L  M  1L  M  .L  M  Ԁgr.semsamiWhefurveriWumskv.IV.kaflasamrmiviWstefnumrkunrWherra,L  M   v%N!* L  M  svosemaWstoWarlj;sm;WurviWfWingarheimahsumogsrhfWrarmeWferWaralvarlegra A&"+  hWsjkd;ma.  '",   &   RWherraseturreglugerWumnnariframkvmdgreinarinnar,Yarsemm.a.erheimiltaW ( kv'(seWaumnnariskilyrWiogtakmrkungreiWsluYtttkusjkratryggingavegnasrhfWrar  heilbrigWisYj;nustuskv.1.mgr.  L  M    L  M  & , 23.gr.L  M   T, L  M  LknismeWferWerlendis.L  M        L  M  NersjkratryggWumbrUnnauWsynL  M  alYj;WlegaviWurkenndrilknismeWferWerlendis,  sbr.L  M  44.gr.,vegnaYessaWekkierunntaW',TԀveitahonumnauWsynlegaaWstoWhrlandiog   greiWaYL  M  ԀL  M  sjkratL  M  ryggingaL  M  rL  M  ԀkostnaWviWmeWferWina.L  M  SamagildirumkostnaWviWdvl,lyfog  X lknishjlpsemnauWsynlegererlendistengslumviWmeWferWina.L  M  ԀJafnframtgreiWasjkra K #  tryggingarsjkratryggWumferWastyrkogfylgdarmannihansYegarsrstaklegastendur.    L  M    &  0staWrrWissemgetiWerum1.mgr.ogmeWsmuskilyrWumogYargreinirersjkra    tryggingastofnunL  M  inni' -L  M  ԀheimiltaWkveWaaWsrgreinalknarsemstarfaerlendisveitisjklingi   meWferWsjkrahsihrlandiL  M  . wO    SjkratryggingastofnuninkvarWarumL  M  ԀhvortskilyrWierufyrirhendiL  M  ԀsamkvmtYessari B  greinL  M  ԀoghvarsjkratryggWurskulinj;tameWferWarerlendis.L  M  ԀL  M  NvelursjkratryggWurmeWferW    WrumogdUraristaWerlendisenL  M  stofnuninL  M  ԀhefurkveWiWoggreiWL  M  aL  M  ԀsL  M  jkratryggingarL  M  ԀY   aWeinsYannkostnaWsemgreiWahefWittYeimstaWsemhnkvaW.L  M  ԀAflaskalgreiWsluheim {  ildarfrsjkratryggingastofnuninnifyrirfram. nF   RWherrasL  M  etL  M  urL  M  ԀreglugerWumnnariframkvmdL  M  greinarinnarogaWralknismeWferWer 9 lendissemekkifellurundir33.gr.,m.a.Yegarmillirkjasamningarsem0slanderaWiliaWeiga  viWL  M  .  L  M    L  M  24.gr. e= L  M  HeilbrigWisYj;nustahjkrunarrUmum.L  M   0   L  M    SjkratryggingtekurtilheilbrigWisYj;nustusemveitterhjkrunarrUmumsjkrahsaog  hjkrunarrUmumldrunarstofnanaoghjkrunarheimilasamkvmtsamningum,sbr.IV.  kafla.SkilyrWieraWmatYrfsjkratryggWsfyrirYj;nustunaL  M  ԀL  M  hafifariWL  M  ԀL  M  framsamkvmt i lgumumheilbrigWisYj;nustu. \4   RWherraerheimiltaWsetjareglugerWumnnariframkvmdgreinarinnar. ' L  M    L  M  25.gr.  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AflaskalgreiWsluheimildarfrsjkratryggingastofnunL  M  inniL  M  Ԁfyrirfram.Stofnuningetur a skiliWvottorWsrfrWingsumnauWsynhjlpartkis. T,   L  M  27.gr.  L  M  NringarefniogsrfWi.L  M       L  M    SjkratryggingartakaYttkostnaWiviWL  M  ԀkaupL  M  lfsnauWsynlegumL  M  nringarefnumog  X srfWiL  M  ԀmeWtakmrkunumogsamkvmtnnarikvWumreglugerWarsemrWherrasetur. K #  0reglugerWinniskalm.a.kveWiWumhverskonarnringarefniogsrfWisjkratryggingar    takaYttaWgreiWaogaWhvemikluleyti.L  M        AflaskalgreiWsluheimildarfrL  M  sjkratL  M  ryggingastofnunL  M  inniL  M  ԀL  M  fL  M  yrirfram.StofnuninL  M  Ԁgetur   skiliWvottorWsrfrWingsumnauWsynnringarefniseWasrfWis. wO  L  M    L  M  28.gr.    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'   RWherraerheimiltaWkveWannarumframkvmdgreinarinnarreglugerW.  L  M    L  M  29.gr. `  L  M  Gjaldtaka.L  M   S+!     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T, gr.ogL  M  19L  M  .!2L  M  2L  M  .grL  M  .,L  M  semsamiWhefurveriWL  M  umL  M  ԀsL  M  amkvmtL  M  ԀkvWumL  M  IL  M  V.kafla.EkkierY;  heimiltaWtakagjaldfyrirL  M  hjkrunheimahsum,mWraogungbarnaverndogL  M  aWstoW  lj;sm;WurviWfWinguheimahsum.GjaldL  M  ԀfyrirYj;nustuL  M  ԀgeturveriWhlutfallsgjaldog   mtiltakahmarkYessreglugerW.L  M  ԀGjaldiWskalveralgrahjldruWum,ryrkjumog  X brnumoggjaldfyrirYj;nustuskv.2.mgr.17.gr.utandagvinnutmamverahrraen K #  fyrirYj;nustudagvinnutma.i(m@m݌   Ќ  "i(m"  i(m2JQ  4  .3  Ԉ0    L  M  L  M  & a Ranns;knir,geislaogmyndgreiningarL  M  ԀsemframkvmdarerusjkrahsumeWahj    sjlfstttstarfandiheilbrigWisstarfsmnnumeWafyrirtkjumYeirraogsamiWhefurveriW   'a umsamkvmtkvWumIV.kafla,sbr.2.mgr.18.gr.og19.grL  M  .GjaldiWgeturveriW wO  hlutfallsgjaldogmtiltakahmarkYessreglugerW.L  M  ԀGjaldfyrirYj;nustunaskalvera B  lgrahjldruWum,ryrkjumogbrnum.i(m݌   Ќ  "i(m"  i(m%2JQ  5  .3  Ԉ0    L  M  BtgfulL  M  knisvottorWL  M  aheilsugsluogsjkrahsum.i(m%R݌  Ќ  "i(m"  i(my2JQ  6  .3  Ԉ0    L  M  Lyf,sbr.25.gr.L  M  ԀEkkierY;heimiltaWtakagjaldfyrirlyfsemsjkratryggWumerlfs {  nauWsynlegtaWnotaaWstaWaldri.L  M  GjaldfyrirlyfgeturveriWhlutfallsgjaldogmtiltaka nF hmarkYessreglugerW.L  M  SheildarverWlyfsjafnL  M  tL  M  ԀeWalgraenL  M  gjaldiWsemgreiWaskal 9 greiWirsjkratryggWurlyfiWaWfulluL  M  .L  M  Ԁ0reglugerWmtiltakahmarkeiningalyfjavs  unum.i(my݌ Ќ  "i(m"  i(m2JQ  7  .3  Ԉ0    L  M  L  M  SjkraflutningaL  M  ,sbr.28.gr.i(m3݌r Ќ    L  M  XeirsemekkierusjkratryggWirhrlandisamkvmtlgumL  M  YessumL  M  ԀskulugreiWagjald e= semnemurkostnaWiviWveittaheilbrigWisYj;nustusamrmiviWL  M  reglugerWL  M  ԀsemrWherra 0 setur,nemagildissamningurumYj;nustunaviWYaWrkisemYeirkomafr.L  M      L  M  XeimheilbrigWisstofnunumsemfengiWhafaheimildrWherratilaWveita;sjkratryggWum  einstaklingumheilbrigWisYj;nustueinkarttarlegumL  M  grundvelliL  M  ԀsamkvmtL  M  ԀL  M  lgumum i heilbrigWisYj;nustuL  M  ԀerheimiltaWtakahrragjaldfyrirYj;nustunaennemurkostnaWiafveit \4 inguhennar.L  M  XettaviWnemaannaWleiWiafsamningumsemgildieruumYj;nustunaviW ' YaWrkisemhinn;sjkratryggWieinstaklingurkemurfr.L  M      L  M  UmgjaldtkufyrirheilbrigWisYj;nustuferaWWruleytieftirkvWumsrlagaeftirYv  semviW.L  M   `  L  M    L  M  C.GreiWslurpeningum. " 30.gr. # L  M  FerWakostnaWur.L  M    $   L  M    SjkratryggingartakaYtt;L  M  hjkvmilegL  M  umL  M  ԀferWakostnaWL  M  iL  M  ԀmeWtakmrkunumogeftir !W% kvWumreglugerWarsemrWherraseturfyrirsjkratryggWasemYarfnasttrekaWrarmeW J""& ferWarhjlknieWasjkrahsimeWeWaninnlagnL  M  aL  M  r.L  M   #'   RWherraerheimiltreglugerWaWkveWafrekarikostnaWarYtttkusjkratrygginga #( ferWakostnaWienmlterfyrirum1.mgr. $ )  L  M   v%N!* f@  f . f    L  M  &     31.gr. ( L  M  DvalarkostnaWur.L  M        L  M  SjkratryggingartakaYttL  M  ԀL  M  ;L  M  hjkvmilegL  M  umL  M  ԀdvalarkostnaWL  M  iL  M  ԀannarsforeldrisviWsjkra  hsinnlgnbarnsyngraen18rafjarriheimiliL  M  ,L  M  ԀL  M  meWtakmrkunumogeftirkvWumreglu a '(_gerWarsemrWherrasetur.L  M  EfumeraWrWaerfiWameWferWviWlfshttulL  M  egumsjkd;mim T, kveWaaWL  M  ԀgreiWslL  M  uYtttakaL  M  Ԁnitilbeggjaforeldrabarnsundir18raaldri.L  M    L  M    L  M  32.gr.   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B    &  RWherraseturreglugerWumframkvmdgreinarinnar,m.a.umaWhvaWamarkisjkra    tryggingumerheimilt' nԀaWendurgreiWaL  M  sjkratryggWumL  M  kostnaWvegnaveikindaeWaslysser   lendissemhannfengiellaekkiendurgreiddanfrL  M  sjkratryggingumL  M  .L  M   {  L  M    L  M  D.Ums;knirumbtur,mlsmeWferWo.fl. 9 34.gr.  L  M  Ums;knirumbtur.    L  M    SkjaskalumL  M  allarL  M  bturL  M  ԀsamkvmtlgumYessumtilsjkratryggingastofnunarinnarL  M  .L  M   r X;geturstofnuninkveWiWaWekkiYurfiaWskjaumtilteknarbtur.L  M  UmL  M  s;kniruL  M  mbtur e= skuluveraYvformisemsjkratryggingastofnuninkveWurL  M  .L  M   0   L  M  UmskjandaerskyltaWveitaL  M  sjkratL  M  ryggingastofnunL  M  inniL  M  ԀallarnauWsynlegarupplUsingar  tilYessaWunntL  M  ԀsaWtakakvrWunumb;tartt,fjrhWoggreiWL  M  slub;taogendurskoWun  Yeirra. i   SjkratL  M  ryggingastofnunL  M  inniL  M  ԀL  M  erL  M  heimilt,aWfengnuskriflegusamYykkiumskjanda,aWafla \4 nauWsynlegraupplUsingaumtekjurumskjandahjskattyfirvldumogL  M  greiWslurtilumskj ' andaL  M  hjTryggingastofnunrkisins,L  M  Atvinnuleysistryggingasj;Wi,Vinnumlastofnunoghj  sambrilegumstofnunumerlendisYegarYaWviWmeWrafrnumhttieWaannanhtt.L  M  ԀEnn  fremurerheimiltaWaflaupplUsingaummatrorkuhjTryggingastofnunrkisins.L  M  ԀL  M  Telji `  umskjandiupplUsingarfrYessumaWilumekkirttarskalhannleggjaframggnYvtil S+! staWfestingar.L  M   "   L  M  UmskjandaerskyltaWtilkynnaL  M  sjkratL  M  ryggingastofnunL  M  inniL  M  ԀumbreytingartekjumeWa # WrumaWstWumsemgetahafthrifgreiWslur.L  M  EfgefnarerurangarupplUsingarskalbeita  $ kvWumL  M  37.L  M  Ԁgr.L  M   !W%   L  M  EfekkireynistunntaWtakakvrWunumb;tartt,fjrhWoggreiWslub;taogendur J""& skoWunYeirravegnaskortsnauWsynlegumupplUsingumsemrekjamtilumskjandaer #' L  M  sjkratL  M  ryggingastofnunL  M  inniL  M  ԀheimiltaWfrestakvrWunoggreiWslub;taYartilrYverbtt. #( SL  M  tofnunL  M  inL  M  ԀskaltafarlaustgeraviWkomandiviWvarteftilfrestunarkemurogskorahannaW $ ) veitanauWsynlegarupplUsingar. v%N!*  L  M   A&"+   L  & ,  M  35.gr. ( L  M  kvarWanirumbtur.L  M      L  M    Allarums;knirskuluL  M  afgreiddarL  M  Ԁsvoflj;ttsemkosturerogskulubturreiknaWarfrYeim  degisemumskjandinnhefuruppfylltskilyrWintilb;tanna.L  M  ',( a   &  L  M  BturskulualdreikvarWaWarlengraafturtmannenL  M  tvrL  M  ԀfrYvaWums;knogL  M  /eWaL  M   T, nnurggnsemnauWsynlegerutilaWunnts'TaWtakakvrWunumb;tarttogfjrhWb;ta  beraststofnuninni.X;skulusL  M  jkradagpeningaraWjafnaWieigikvarWaWirlengraafturtm  annentvomnuWi,ensjkratryggingastofnunL  M  inniL  M  ԀerheimiltaWlengjaYettatmabilalltaW   sexmnuWitilvikumYarsemb;tarttureraWWruleyti;tvrWur.L  M    X   LaunYegarsemmillirkjasamningartakatil,leggjaniWurlaunuWstrfogfaraaflandibrott K #  getahaldiWrttitilsjkradagpeningaaWWrumskilyrWumuppfylltumalltaWtvomnuWi    eftiraWstrfumhrlandilUkur.SkilyrWieraWYeirhafiekkihafiWstrfWrurkisem    0slandhefurgertsamningviW.     &  kvarWaWarbturfallaniWurefYreruekkis;ttarinnant;lfmnaWa,enkvarWam wO  bturnUefrkstuddums;knberst.'w B    L  M  Grundvllb;tarttarmendurskoWahvenrsemerogsamrmabturYeimbreytingum    semorWiWhafa.L  M     L  M    L  M  &  36.gr. nF L  M  Stj;rnsUslukrur.L  M   9   L  M    Rsigreiningurumgrundvll,skilyrWieWaupphWb;tasamkvmtYessumL  M  ԀkaflaL  M  Ԁer  heimiltaWkrakvrWunsjkratryggingastofnunarinnartilrskurWarnefndaralmannatrygg  ingasamkvmtlgumumalmannatryggingar.'n r   KratilrskurWarnefndaralmannatryggingaskalveraskriflegogskalhnborinfram e= innanYriggjamnaWafrYvaWilamlsvartilkynntumkvrWun.skrifstofumsjkra 0 tryggingastofnunarinnarskululiggjaframmieyWublWYessuskyniogveitastarfsmenn  stofnunarinnarnauWsynlegaaWstoWviWtfyllinguYeirra.    Sjkratryggingastofnuninskalltanefndinnitllggnmls,svoogYrupplUsingar i ogskUringarernefndintelurYrf. \4   SjkratryggingastofnuningeturhfWaWd;msmltilaWfhnekktrskurWirskurWarnefnd ' aralmannatrygginga.  L  M    L  M  37.gr. `  L  M  OfgreiWslurogvangreiWslurb;ta.L  M   S+!   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( L  M  SamningarumheilbrigWisYj;nustuekkifyrirhendi.L  M      L  M    SusamningarumheilbrigWisYj;nustuekkifyrirhendi,sbr.IV.kafla,ersrstkum'a(+  tilfellumheimilttmabundiWaWendurgreiWasjkratryggWumtlagWankostnaWvegnaheil a brigWisYj;nustugrundvelligjaldskrrsemsjkratryggingastofnuningefurt. T, & a   RWherraseturreglugerWumnnariframkvmdgreinarinnar,m.a.umtmalengdheimild  arinnarogskilyrWifyrirendurgreiWslu.  'a .  L  M  IV.KAFLI  X L  M  SamningarumheilbrigWisYj;nustu.L  M   K #   L  M  39.gr.    L  M  SamningsumboW.L  M        L  M    SjkratryggingastofnuninannastsamningsgerWumveitinguheilbrigWisYj;nustuogaW   stoWarsamkvmtlgumYessum,lgumumheilbrigWisYj;nustuogWrumlgum,ogum wO  endurgjaldrkisinsvegnahennar. B    SjkratryggingastofnuningerirsamningaviWheilbrigWisstofnanir,sbr.lgumheilbrigWis    Yj;nustu,sveitarflg,sjlfseignarstofnanir,fyrirtkiogeinstaklingaumveitinguheilbrigW   isYj;nustuoggreiWirYeimendurgjaldsamrmiviWkvWisamninganna. {    L  M    L  M  40.gr. 9 L  M  SamningarumheilbrigWisYj;nustu.L  M      L  M      SamningarumheilbrigWisYj;nustuskulugerWirsamrmiviWstefnumrkunskv.2.gr.,  m.a.umskipulagheilbrigWisYj;nustu,forgangsrWunverkefnainnanhennar,hagkvmniog r gWiYj;nustunnarogaWgengiaWhenni.ViWsamningsgerWskalhafahagsmunisjkra e= tryggWraaWleiWarlj;si.ForsendasamningsgerWareraWfyrirliggistaWfestinglandlknisYv 0 hvortrekstureWafyrirhugaWurreksturheilbrigWisYj;nustuuppfyllifaglegarkrfurognnur  skilyrWiheilbrigWislggjf,sbr.lgumheilbrigWisYj;nustuoglgumlandlkni.    Samningarskulum.a.kveWaummagn,tegundoggWiYj;nustu,hvarhnskuliveittog i afhverjum,samtendurgjalditilveitandaogeftirlitimeWframkvmdsamnings.0samn \4 ingumskuluverakvWiumkrfurtilveitendaYj;nustu,m.a.umhfni,Yj;nustusvWiog ' Yj;nustustig.ViWsamningsgerWskaltryggjaaWgengisjkratryggWraaWYeirriheilbrigWis  Yj;nustusemsamiWerum;hWefnahag.JafnframtskalleitastviWaWtryggjaYj;nustuviW  sjkratryggWahvarlandinusemYeirerubsettirogaWveitendurYj;nustugtiYessaW `  sjkratryggWirnj;tijafnrWis. S+!   ValviWsemjendumskalfaraframhlutlgumogmlefnalegumforsendum.ViWvaliW " skalm.a.takamiWafstefnumrkunskv.2.gr.,kvWumlagaumheilbrigWisYj;nustu,hfni, # gWum,hagkvmni,kostnaWi,ryggi,viWhaldinauWsynlegrarYekkingarogjafnrWi.Sjkra  $ tryggingastofnuninkveWurvgieinstakraYtta.ViWsamningsgerWumheilbrigWisYj;nustu !W% skalYessgttaWraskaekkiYeirriYj;nustusemveitabersamkvmtlgumumheilbrigWis J""& Yj;nustu. #'   L  M  ReynistframboWaftiltekinniheilbrigWisYj;nustumeiraenYrfereWaunnteraWsemja #( ummeWhliWsj;naffjrheimildumerheimiltgrundvellihlutlgraogmlefnalegrasj;nar $ ) miWa,m.a.umhagkvmnioggWiYj;nustunnar,aWtakmarkasamningsgerWviWhlutaYeirra v%N!* aWilasemveittgetaYj;nustuna.L  M   A&"+   L  M  AWilisemhyggsthefjasjlfstWanreksturheilbrigWisYj;nustuYarsemgerterrWfyrir  '", aWrkiWgreiWikostnaWsjklingsaWhlutaeWalluleytiskalhafagertsamningviWL  M  sjkra '#- tryggingastofnuninaL  M  ԀWurenhannhefurrekstur,nemafyrirliggieinhliWakvrWunrWherra (z$. umgreiWsluYtttkugrundvellisrstakrarheimildarWrumlgum.L  M   m)E%/   L  M  RWherraerheimiltaWkveWannarreglugerWforsendurfyrirsamningsgerWumL  M  endur ( gjaldL  M  ԀrkisinsfyrirL  M  ԀheilbrigWisYj;nustusemveitterutanheilbrigWisstofnanasemrkiWrekur,  samrmiviWstefnumrkunskv.L  M  2L  M  .gr.L  M  ,L  M  ԀogaWhnskulitakmarkastviWgagnreyndameWferW  sviWiheilbrigWisYj;nustu. a L  M    L  M  41.gr.L  M    L  M  SamningarumframkvmdireWarekstur.    L  M    RWherrageturfaliWsjkratryggingastofnuninniaWsemjaL  M  ԀviWsveitarflg,eWaaWraaWila   enYsemfalinnerreksturheilbrigWisYj;nustusamkvmtlgumL  M  umheilbrigWisYj;nustuL  M  ,um  X framkvmdirogreksturkveWinnaYttaYeirrarheilbrigWisYj;nustusemveitabersamkvmt K #  L  M  YeimlgumL  M  .SjkratryggingastofnuninL  M  gerirjafnframtverksamningaogsamningaumrekstr    arverkefnisamkvmtkvWumlagaumfjrreiWurrkisins.L  M      L  M    L  M  & , 42.gr.L  M   wO  L  M  BtboWsheimild.L  M   B    L  M    SjkratryggingastofnuninniL  M  ԀerheimiltaWbj;WatreksturheilbrigWisYj;nustuL  M  Ԁogkaup    heilbrigWisYj;nustusamkvmtlgumumheilbrigWisYj;nustuoglgumYessum.',wQG   L  M    43.gr.L  M   nF L  M  EndurgjaldfyrirheilbrigWisYj;nustu.L  M   9   L  M    EndurgjaldfyrirheilbrigWisYj;nustusamkvmtYessumkaflageturveriWformiL  M  fastL  M  rL  M  aL  M    greiWslnaL  M  ,greiWslL  M  nahvernYj;nustuYega,daggjalda,verkgreiWslna,greiWslnagrunniaf  kastaog&  rangurstengdragreiWslna.EnnfremurerunntaWtakamiWaftveimureWafleiri r framangreindumgreiWsluaWferWum.'K e=   UmgjaldsemsjkratryggWurgreiWirfyrirYj;nustunaferskv.29.gr.ogerveitendum 0 Yj;nustu;heimiltaWkrefjahannumfrekaragjald.    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GP  VeitendurheilbrigWisYj;nustuskuluaWjafnaWibyggjastarfsemisnagagnreyndriYekk " ingusviWiheilbrigWisYj;nustu,fylgjafaglegumfyrirmlumlandlknisognUtaeftirYv # semviWfaglegarleiWbeiningarhans,sbr.lgumlandlkni.  $   L  M  ViWkvarWanirL  M  ogL  M  ԀL  M  samningaumnUjaraWferWir,Yj;nustu,lyfogvrurL  M  skalL  M  sL  M  jkratrygg !W% ingastofnunL  M  inL  M  ԀbyggjaniWurstWufaglegsoghagrnsmatsL  M  ԀsamrmiviWviWurkenndar J""& alYj;WlegaraWferWirL  M  .L  M   #' L  M    45.gr. $ ) L  M  GWiogeftirlit.L  M   v%N!* \TL  M    SjkratryggingastofnuninL  M  ԀL  M  skalhafaeftirlitmeWstarfsemisamningsaWilasemL  M  miWaraWYv A&"+  aWtryggjaaWL  M  tegundir,magn,L  M  gWiL  M  ,L  M  ԀL  M  kostnaWurograngurYj;nustuL  M  ssamrmiviWL  M  gerWa  '", L  M  samninga.& a  StofnuninskalhafasamrWviWlandlkniumfyrirkomulagogframkvmdeftir ( lits.L  M    'a(V  L  M  SjkratryggingastofnuningeturkveWiWaWsetjasamningakvWisemtlaWeraWstuWla  aWgWumograngriYj;nustunnar,m.a.umgWastj;rnunarkerfiogvottunYeirra,faggild a inguL  M  ,rangursmlingaL  M  rogupplUsingaogskUrslugjfL  M  . T, & a   SjkratryggingastofnunL  M  ingeturkrafistYessL  M  ԀaWsamningsaWilarnUtisamrmdupplUs  ingakerfi,Y.m.t.samrmdaskrningubiWlistaL  M  ,L  M  ԀogskiliupplUsingumumveittaYj;nustuog  starfsemiL  M  samrmdurafrnuformiL  M  tilstofnunarinnar.L  M  Ԁ'akYVegnaframkvmdareftirlitser   stofnuninnijafnframtheimillaWganguraW;pers;nugreinanlegumupplUsingumrheil  X brigWisskrmsemlandlknirheldursamkvmtlgumumlandlkni,eftirYvsemviW.L  M   K #    L  M  LknumeWatannlknumsjkratryggingastofnunarinnarerheimiltaWleitaupplUsingahj    YeimsemnotiWhafaYj;nustu,eftirYvsemnauWsynlegtervegnaeftirlitshlutverksstofn    unarinnar.L  M       L  M  46.gr. B  L  M  UpplUsingaskyldaheilbrigWisstarfsmanna.L  M        L  M    XeimheilbrigWisstarfsmnnumsembyrgWberavrslusjkraskraerskyltaWveita   lknum,eWaeftiratvikumL  M  Ԁtannlknum,L  M  sjkratryggingastofnunarL  M  innarL  M  ԀYrupplUsingarL  M  Ԁog {  ggnL  M  ԀsemstofnuninnierunauWsynlegarvegnaL  M  eL  M  ftL  M  irlitshlutverkshennar,sbr.einnig45.gr. nF L  M  XerlknumsjkratryggingastofnunarinnarL  M  ,eWatannlknumYegarYaWviW,heimiltaW 9 skoWaYannhlutasjkraskrrsemnauWsynlegtervegnaeftirlitsmeWsamningumL  M  .L  M  ԀL  M  SkoWun  skalfaraframYeimstaWYarsemsjkraskrervarWveitt.    L  M  47.gr. e= L  M  SamningarumkaupvrumogYj;nustu.L  M   0   L  M    SjkratryggingastofnuninniL  M  ԀerheimiltL  M  grundvellilagaumopinberinnkaupL  M  ԀaWsemjaviW  stofnanir,fyrirtkieWaeinstaklingaumL  M  vrurogalmennaL  M  Yj;nustusemhennibeL  M  raWveita  ogfallaL  M  ԀekkiundirsamningaumheilbrigWisYj;nustu. i L  M    L  M  48L  M  .gr. ' L  M  VanefndirogaWgerWirvegnavanefnda.    L  M    0samningumskuluverakvWiumhvaWteljistvanefndirogumvanefndarrWi.Auk  YessgildaalmennarreglurumvanefndirogvanefndarrWi.SannistvanefndirskuluaWgerW `  irsjkratryggingastofnunarinnarvegnaYeirrabyggjastmlefnalegumsj;narmiWumoggeta S+! m.a.faliWsr: " / /"i(m"  i(mg2JQ  1  .3  Ԉ0    L  M  Fyrirmliumbreyttaframkvmd,t.d.Yj;nustu,skrningueWagjaldtku.i(mgg݌# Ќ  "i(m"  i(mh2JQ  2  .3  Ԉ0    L  M  minningu.i(mh i݌ $ Ќ  "i(m"  i(mi2JQ  3  .3  Ԉ0    L  M  TakmarkanirmagniogtegundumYj;nustusemgreitterendurgjaldfyrir.i(mij݌!W% Ќ  "i(m"  i(m0k2JQ  4  .3  Ԉ0    L  M  UppsgnsamningsmeWeWanfyrirvara.i(m0k]k݌J""& Ќ  "i(m"  i(mMl2JQ  5  .3  Ԉ0    L  M  KrfuumendurgreiWslueWaskaWabtur.i(mMlzl݌#' Ќ  "i(m"  i(mmm2JQ  6  .3  Ԉ0    L  M  TilkynningutillandlkniseWaLyfjastofnunar,sbr.eftirlitshlutverkYeirra.i(mmmm݌#( Ќ  "i(m"  i(mn2JQ  7  .3  Ԉ0    L  M  Krutillgregluvegnameintralgbrota.i(mnn݌$ )   L  M   v%N!*   L  M  &   49.L  M  Ԁgr. ( L  M  greiningur.L  M      L  M    0samningumskuluverakvWiummeWferWgreiningsL  M  .greiningurumframkvmd  samningaogvalviWsemjendumstirekkiendurskoWunL  M  ԀrWherraL  M  .L  M   a '(p  L  M  FariframtboWferumgreiningsamkvmtlgumumopinberinnkaup.L  M   T,   greiningiumfaglegahfniveitendaheiL  M  lbrigWisYj;nustu,gWiYj;nustuogL  M  Ԁgagnreynda  meWferWsviWiheilbrigWisYj;nustuskalvsaWtillandlknisL  M  .    & , KvrtunumfralmenningiogWrumvegnaYj;nustuL  M  oghfniL  M  samningsaWilaL  M  skalvsaW   tillandlknis.L  M  ԀL  M  LandlknirskalL  M  upplUsL  M  aL  M  ԀL  M  sL  M  jkratryggingastofnunL  M  inaL  M  ԀumslkarkvartanirL  M  Ԁ  X formisemstofnanirnarL  M  Ԁkomasrsamanum.L  M   K #  ', sL  M    L  M  &  V.KAFLI    L  M  TmiskvWi.L  M      L  M  50.gr. wO  L  M  MeWferWpers;nuupplUsinga.L  M   B    L  M    ViWmeWferWpers;nuupplUsingasemaflaWerL  M  samkvmtlgumYessumL  M  ԀskalYessgttaW    uppfylltsuskilyrWilagaumpers;nuverndogmeWferWpers;nuupplUsingaogjafnframtgtt   kvWalagaumrttindisjklingaeftirYvsemviW.' vL  M   {  L  M    L  M  & , 51.gr. 9 L  M  Xagnarskylda.L  M      L  M    Starfsf;lkL  M  iL  M  ԀL  M  sjkratL  M  ryggingastofnunarL  M  innarL  M  ԀL  M  ogumboWsskrifstofaL  M  ԀerskyltaWgtaYag  mlskuumatriWierYaWfrvitneskjuum',9yԀstarfisnuogleyntskulufarasamkvmtlgum, r fyrirmlumyfirmannseWaeWlimls.L  M  XagnarskyldahelstY;ttltiWsafstarfi.L  M  ԀHiWsama e= gildirumYsemsinnaverkefnumfyrirsjkratryggingastofnuninaeneruekkistarfsmenn 0 hennar.    L  M  52.gr.  L  M  UpplUsingarumvistun.L  M   i     L  M  Sjkrahs,heilbrigWisstofnanirogstofnanirfyriraldraWaskulusendasjkratrygginga \4 stofnunL  M  inniL  M  ԀupplUsingaruL  M  mvistun,Y.e.innlagnirogtskriftir.UpplUsingarnarskulusendar ' reglulegaeftirYvsemYrfkrefurogeigisjaldnareneinusinnimnuWi.  L  M    L  M  53.gr. `  L  M  Millirkjasamningarumsjkratryggingar.L  M   S+!   L  M    Xegarmillirkjasamningarsem0slanderaWiliaWkveWaumgagnkvmrttinditilsjkra " tryggingaskuluYeirsemeigaaWfallaundirslenskalggjfsamkvmtkvWumsamning # annaWlastrttindisamkvmtlgumYessum.  $   SjkratryggingastofnuningreiWirkostnaWsamkvmtmillirkjasamningumafaWstoWviW !W% Ysemnj;tarttarsamkvmtsamningunumogdveljasthrlandiumstundarsakir. J""&   RWherraseturreglugerWumnnariframkvmdgreinarinnar,m.a.umheimildtilaWdraga #' frb;tumsamkvmtlgumYessumbtursamkvmterlendrilggjffyrirsamatmabilog #( bturerugreiddarfyrirhrlandi. $ )  L  M   v%N!*   L  M  & ,  5L  M  4L  M  .gr. ( L  M  KostnaWurviWsjkratryggingar.      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L  M  ReglugerWir.L  M    X     L  M  RWherraerheimiltaWkveWannarumframkvmdlagaYessarareglugerW.M.a.er K #  heimiltaWkveWafrekarikostnaWarYtttkusjkratryggingastofnunarinnar', ɆheilbrigWisYj;n    ustuenmlterfyrirumIII.kafla.XerrWherraheimiltaWbirtasemreglugerWiralmanna    tryggingareglurEvr;pusambandsinsmeW&  aWlgunvegnaEESsamningsinsogalmanna   tryggingareglurstofnsamningsFrverslunarsamtakaEvr;pu.' - wO  L  M    L  M  VI.KAFLI    L  M  Gildistaka.L  M      L  M  56.gr. {  L  M  Gildistaka.L  M   nF   L  M    LgYessiWlastgildi1.september2008. 9   XrttfyrirkvWi1.mgr.komakvWiIV.kaflaaWYvervarWarsamningasemheil  brigWisrWuneytiWhefurgerttilframkvmdaeigisWaren1.jl2009.Ennfremurkoma  kvWiIV.kaflatilframkvmdaeigisWaren1.janar2010aWYvervarWarsamningaviW r heilbrigWisstofnanireigurkisinsogsamningaviWsveitarflgogaWraerrekahjkrunar e= heimili. 0   XrttfyrirkvWi1.mgr.Wlast12.tlul.59.gr.Yegargildi.  L  M    L  M  &  VII.KAFLI i L  M  BreytingarWrumlgum.L  M   \4  L  M  57.gr. ' L  M  Breytinglgumnr.100/2007,umalmannatryggingar,meWsWaribreytingum.  ! ! q("920_ikmo"i(m"    i(m2"9  1  .3  Ԉ0    1.gr.lagannaorWastsvo:i(m?݌ Ќ    0     v LgYessitakatil:`  "m"  mp0  0xx 2"9  1  .3  Ԉ0v  Lfeyristryggingaalmannatr'*ygginga.mp݌S+!vv Ќ  "m"  m0  0xx 2"9  2  .3  Ԉ0v  Slysatryggingaalmannatrygginga.mג݌"vv Ќ  L  M    0  Umsjkratryggingaralmannatryggingafersamkvmtlgumumsjkratryggingar.#  q("922q! !"i(m"  i(m2"9  2  .3  Ԉ0    OrWiW?sjkratrygginga 3.mgr.18.gr.lagannafellurbrott.i(m4݌ $ Ќ  "i(m"  i(m.2"9  3  .3  Ԉ0    L  M  EftirfarandibreytingarverWa32.gr.laganna:i(m.[݌!W% Ќ  "k"  kR0  2"9  a  .3  0  0staWorWanna?44.gr. aliW1.tlul.1.mgr.kemur:lgumumsjkratryggingar.kR݌J""& Ќ  "k"  k𻕘0  2"9  b  .3  0  ViW1.mlsl.bliWar1.tlul.1.mgr.btastorWin:shinnslasaWiekkisjkratryggWur #' samkvmtlgumumsjkratryggingar.k𻕘˜݌#( Ќ  "k"  k0  2"9  c  .3  0  2.mlsl.bliWar1.tlul.1.mgr.fellurbrott.k?݌$ ) Ќ  "k"  k#0  2"9  d  .3  0  0staWorWanna?44.gr. 2.mgr.kemur:lgumumsjkratryggingar.k#P݌v%N!* Ќ   q("922q! !"i(m"  i(m2"9  4  .3  Ԉ0    L  M  V.kaflilagannafellurbrott.i(m"݌A&"+ Ќ  "i(m"  i(m2"9  5  .3  Ԉ0    4.mgr.48.gr.lagannafellurbrott.i(m0݌ '", Ќ  "i(m"  i(m2"9  6  .3  Ԉ0    L  M  2.mlsl.1.mgr.52.gr.lagannafellurbrott.i(m1݌'#- Ќ  "i(m"  i(m$2"9  7  .3  Ԉ0    L  M  EftirfarandibreytingarverWa53.gr.laganna:i(m$Q݌( Ќ  "k"  kH0  2"9  a  .3  0  OrWin?ogsjkradagpeningar 1.mlsl.2.mgr.fallabrott.kHu݌ Ќ  "k"  kk0  2"9  b  .3  0  2.mlsl.2.mgr.fellurbrott.kk݌ Ќ  L  M  "i(m"  i(m{2"9  8  .3  Ԉ0    L  M  ViW3.mgr.54.gr.lagannabtastorWin:samkvmtlgumumsjkratryggingar.i(m{݌a Ќ  "i(m"  i(m2"9  9  .3  Ԉ0    L  M  3.mlsl.1.mgr.56.gr.lagannafellurbrott.i(m݌T, Ќ  "i(m "  i(mߥ222"9  10  .3  Ԉ0    L  M  2.mgr.58.gr.lagannafellurbrott.i(mߥ ݌ Ќ  "i(m "  i(m222"9  11  .3  Ԉ0    L  M  OrWin?og43. 6.mgr.67.gr.lagannafallabrott.i(m#݌ Ќ  "i(m "  i(m&222"9  12  .3  Ԉ0    L  M  EftirfarandibreytingarverWakvWitilbrWabirgWaviWlgin:i(m&S݌  Ќ  "k "  kh0  2"9  a  .3  0  1.mgr.9.tlul.orWastsvo:kh݌ X Ќ      0   v TryggingastofnunrkisinsannastreikningshaldogdaglegaafgreiWsluslysatrygginga K #  umboWiheilbrigWisrWherraYartilnUlgumslysatryggingartakagildi.   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L  M  "i(m"  i(m2"9  5  .3  Ԉ0    L  M  eftirorWunum?VII.kafla 3.mlsl.1.mgr.18.gr.lagannakemur:oglgumum  sjkratryggingar.i(m݌a Ќ  "i(m"  i(m*2"9  6  .3  Ԉ0    L  M  EftirfarandibreytingarverWa22.gr.laganna:i(m*W݌T, Ќ  "k"  kN0  2"9  a  .3  0  ViW1.og2.mgr.btist:oglgumumsjkratryggingar.kN{݌ Ќ  "k"  ke0  2"9  b  .3  0  0staWorWanna?3.mgr.34.gr. 2.mlsl.3.mgr.kemur:kvWumlagaumsjkra  tryggingar.ke݌  Ќ  L  M  "i(m"  i(m2"9  7  .3  Ԉ0    L  M  eftirorWunum?VII.kafla 7.mgr.26.gr.lagannakemur:oglgumumsjkra  X tryggingar.i(m݌K #  Ќ  "i(m"  i(mI2"9  8  .3  Ԉ0    L  M  2.mlsl.28.gr.lagannaorWastsvo:SjkratryggingastofnuninannastsamningsgerWum    heilbrigWisYj;nustusamkvmtlgumumsjkratryggingar.i(mIv݌   Ќ  "i(m"  i(m2"9  9  .3  Ԉ0    L  M  29.gr.lagannaorWastsvosamtfyrirsgn:i(m݌  Ќ  L  M  @ggSamningarumheilbrigWisYj;nustu,framkvmdirogrekstur.L  M  Ԉ wO  L  0  0  M   v UmsamningaumheilbrigWisYj;nustuoggreiWsluYtttkuvegnahennar,svoog B  samningaumframkvmdirogrekstur,fersamkvmtlgumumsjkratryggingar.   L  M  "i(m "  i(m222"9  10  .3  Ԉ0    L  M  30.gr.lagannafellurbrott.i(m݌  Ќ  "i(m "  i(m222"9  11  .3  Ԉ0    L  M  34.gr.lagannaorWastsvo:i(m݌{  Ќ  L  M  0  0   v UmgjaldtkufyrirheilbrigWisYj;nustufersamkvmtkvWumlagaumsjkratrygg nF ingarogkvWumsrlagaeftirYvsemviW.9 L  M  "i(m "  i(m!222"9  12  .3  Ԉ0    L  M  kvWitilbrWabirgWaviWlginfellurbrottogstaWYesskemurnUttkvWitil  brWabirgWasemorWastsvo:i(m!N݌ Ќ  0  0   v MeWantmabundnirsamningar,sbr.28.gr.,viWsveitarflgumreksturheilbrigWis r Yj;nustugildateljasthlutaWeigandistarfsmennheilbrigWisstofnanasemreknareruaf e= rkinuogerustarfiYegarsamningarnirtakagildiveraYj;nustuviWkomandisveitar 0 flags.0slkumsamningumerheilbrigWisrWherraheimiltaWframseljaviWkomandi  sveitarflagiallarYrvaldheimildirsemforstj;rarheilbrigWisstofnanafarameWsam  kvmtlgumumrttindiogskyldurstarfsmannarkisins,svofremiaWstarfsmnnum i stilkynnthverfarimeWYaWvald.EnginformbreytingverWurrWningarstWustarfs \4 manna,YeireruframrkisstarfsmennogumlaunYeirraognnurstarfskjrfereftir ' smukjarasamningumogfyrr. 0  0   v NUirstarfsmenn,semrWnirverWatilverkefnaersamninguraWilatekurtil,skulu  rWnirsemstarfsmennviWkomandisveitarflags.`  0  0   v HeilbrigWisrWherraogfjrmlarWherraannarsvegarogsveitarflaghinsvegar S+! skulusemjaumbyrgWirsnaroggreiWslurvarWandirttindiogkjrstarfsmanna." L  M    L  M  &  60.gr.  $ L  M  Breytinglgumnr.125/1999,ummlefnialdraWra,meWsWaribreytingum.L  M   !W% / /"i(m"    i(m2"9  1  .3  Ԉ0    L  M  0staWorWanna?skv.15.gr. 3.mgr.14.gr.lagannakemur:samkvmtlgumum J""& heilbrigWisYj;nustu.i(mH݌#' Ќ  "i(m"  i(m2"9  2  .3  Ԉ0    L  M  2.mgr.15.gr.lagannafellurbrott.' "i(m݌#( Ќ  L  M    L  M  61.gr. v%N!* L  M  Breytinglgumnr.111/2000,umsjklingatryggingu,meWsWaribreytingum.L  M   A&"+ / /"i(m"    i(m2"9  1  .3  Ԉ0    L  M  EftirfarandibreytingarverWa1.gr.laganna:i(m݌ '", Ќ  "k"  k 0  2"9  a  .3  0  L  M  L  M  0staWorWsins?heilbrigWisrWherra 1.mlsl.1.mgr.kemur:landlknis.k 7݌'#- Ќ  "k"  ko0  2"9  b  .3  0  L  M  0staWorWanna?35.gr.almannatryggingalaga 2.mgr.kemur:23.gr.lagaumsjkra ( tryggingar.ko݌ Ќ  L  M  "i(m"  i(m2"9  2  .3  Ԉ0    L  M  EftirfarandibreytingarverWa9.gr.laganna:i(m&݌ Ќ  "k"  k0  2"9  a  .3  0  L  M  L  M  0staWorWsins?heilbrigWisrWherra dliWkemur:landlknis.kI݌a Ќ  "k"  kx0  2"9  b  .3  0  0staWorWanna?44.gr.laganr.100/2007,umalmannatryggingar d-liWkemur:laga T, umsjkratryggingar.kx݌ Ќ  "k"  k0  2"9  c  .3  0  L  M  0staWorWanna?Tryggingastofnunrkisins eliWkemur:sjkratryggingastofnunin.k݌ Ќ  L  M  "i(m"  i(mM2"9  3  .3  Ԉ0    &  L  M  0staWorWanna?Tryggingastofnunrkisins 2.mlsl.11.gr.lagannakemur:sjkra   tryggingastofnunina.' i(mMz݌ X Ќ  "i(m"  i(m2"9  4  .3  Ԉ0    L  M  0staWorWanna?Tryggingastofnunarrkisins 13.gr.lagannakemur:sjkratrygginga K #  stofnunarinnar.i(m݌   Ќ  "i(m"  i(mf2"9  5  .3  Ԉ0    L  M  EftirfarandibreytingarverWa14.gr.laganna:i(mf݌   Ќ  "k"  k0  2"9  a  .3  0  L  M  L  M  0staWorWanna?Tryggingastofnunrkisins 1.mgr.kemur:Sjkratryggingastofnunin,   sbr.lgumsjkratryggingar.k݌wO  Ќ  "k"  k&0  2"9  b  .3  0  L  M  0staWorWanna?Tryggingastofnunrkisins 2.mgr.kemur:sjkratryggingastofnun B  inni.k&S݌   Ќ  "k"  k0  2"9  c  .3  0  0staWorWanna?Tryggingastofnunarrkisins fyrirsgngreinarinnarkemur:sjkra   tryggingastofnunarinnar.k݌{  Ќ  L  M  "i(m"  i(m2"9  6  .3  Ԉ0    L  M  EftirfarandibreytingarverWa15.gr.laganna:i(mB݌nF Ќ  "k"  k90  2"9  a  .3  0  L  M  0staWorWanna?Tryggingastofnunrkisins 1.mlsl.1.mgr.kemur:Sjkratrygginga 9 stofnunin.k9f݌ Ќ  "k"  k0  2"9  b  .3  0  &  L  M  0staWorWsins?heilbrigWisrWherra 2.mlsl.1.mgr.kemur:landlknis.'Ik݌ Ќ  "k"  k0  2"9  c  .3  0  L  M  0staWorWanna?Tryggingastofnunrkisins 2.mgr.kemur:sjkratryggingastofnunin.kL݌r Ќ  "k"  kv0  2"9  d  .3  0  0staWorWanna?Tryggingastofnunrkisins fyrirsgngreinarinnarkemur:sjkra e= tryggingastofnuninni.kv݌0 Ќ  L  M  "i(m"  i(m2"9  7  .3  Ԉ0    L  M  0staWorWanna?Tryggingastofnunrkisins 1.mlsl.16.gr.lagannakemur:Sjkra  tryggingastofnunin.i(m݌ Ќ  "i(m"  i(mo2"9  8  .3  Ԉ0    L  M  L  M  L  M  0staWorWanna?Tryggingastofnunrkisins 1.mlsl.17.gr.lagannakemur:Sjkra i tryggingastofnunin.i(mo݌\4 Ќ  L  M  "i(m"  i(m(2"9  9  .3  Ԉ0    L  M  &  EftirfarandibreytingarverWa18.gr.laganna:''i(m(U݌' Ќ  "k "  kk0  2"9  a  .3  0  L  M  0staWorWanna?Tryggingastofnunrkisins 1.mlsl.kemur:Sjkratryggingastofn  uninni.kk݌ Ќ  "k "  k0  2"9  b  .3  0  0staWorWanna?Tryggingastofnunarrkisins fyrirsgngreinarinnarkemur:sjkra `  tryggingastofnunarinnar.k ݌S+! Ќ  "i(m "  i(mI222"9  10  .3  Ԉ0    kvWitilbrWabirgWaviWlginfellurbrott.i(mIv݌" Ќ  L  M    L  M  & a 62.gr.  $ L  M  Breytinglyfjalgum,nr.93/1994,meWsWaribreytingum.L  M   !W% / /"i(m"    i(mr2"9  1  .3  Ԉ0    L  M  EftirfarandibreytingarverWa3.gr.laganna:'a i(mr݌J""& Ќ  "k"  k0  2"9  a  .3  0  L  M  L  M  0staWorWanna?Tryggingastofnunarrkisins 1.tlul.11.mgr.kemur:sjkratrygg #' ingastofnunarinnar.k݌#( Ќ  "k"  kH0  2"9  b  .3  0  L  M  0staWorWanna?Tryggingastofnunrkisins 13.mgr.kemur:Sjkratryggingastofn $ ) uninni.kHu݌v%N!* Ќ  L  M  "i(m"  i(m2"9  2  .3  Ԉ0    &  L  M  0staWorWanna?Tryggingastofnunrkisins 2.mlsl.2.mgr.24.gr.lagannakemur: A&"+ sjkratryggingastofnuninni.'A&ei(m݌ '", Ќ  "i(m"  i(mo2"9  3  .3  Ԉ0    L  M  EftirfarandibreytingarverWa1.mgr.25.gr.laganna:i(mo݌'#- Ќ  "k"  k0  2"9  a  .3  0  L  M  0staWorWsins?Tryggingastofnun 1.mlsl.kemur:sjkratryggingastofnunin.k݌( Ќ  "k"  k 0  2"9  b  .3  0  0staWorWsins?Tryggingastofnun 2.mlsl.kemur:sjkratryggingastofnuninni.k  ݌ Ќ  L  M  "i(m"  i(m9 2"9  4  .3  Ԉ0    L  M  EftirfarandibreytingarverWa26.gr.laganna:i(m9 f ݌ Ќ  "k"  k] 0  2"9  a  .3  0  L  M  0staWorWsins?Tryggingastofnun 1.mgr.og2.mlsl.2.mgr.kemur:sjkratrygg a ingastofnunin.k]  ݌T, Ќ  "k"  k 0  2"9  b  .3  0  0staW&  orWsins?Tryggingastofnun 1.mlsl.3.mgr.kemur:Sjkratryggingastofnun  inni.'~k ݌ Ќ  L  M  "i(m"  i(mf2"9  5  .3  Ԉ0    L  M  L  M  L  M  0staWorWanna?Tryggingastofnunrkisins tvvegis3.mgr.27.gr.lagannakemur:   sjkratryggingastofnunin.i(mf݌ X Ќ  "i(m"  i(m2"9  6  .3  Ԉ0    L  M  L  M  EftirfarandibreytingarverWa43.gr.laganna:i(m?݌K #  Ќ  "k"  kI0  2"9  a  .3  0  L  M  L  M  0staWorWanna?Tryggingastofnunarrkisins 3.mlsl.1.mgr.kemur:sjkratrygg    ingastofnunarinnar.kIv݌   Ќ  "k"  k0  2"9  b  .3  0  L  M  0staWorWanna?36.gr.lagaumalmannatryggingar,nr.117/1993 2.tlul.2.mgr.   kemur:III.kaflalagaumsjkratryggingar.k݌wO  Ќ  "k"  kn0  2"9  c  .3  0  L  M  0staWorWsins?almannatryggingar 3.tlul.2.mgr.kemur:sjkratryggingar.kn݌B  Ќ  "k"  k0  2"9  d  .3  0  L  M  0staWorWsins?Tryggingastofnunar 2.mlsl.4.tlul.2.mgr.kemur:sjkratrygg    ingastofnunarinnar.k݌  Ќ  "k"  k;0  2"9  e  .3  0  L  M  0staWorWsins?almannatrygginga 1.mlsl.4.mgr.kemur:sjkratrygginga.k;h݌{  Ќ  L  M  "i(m"  i(m2"9  7  .3  Ԉ0    L  M  0staWorWsins?almannatrygginga 1.mgr.44.gr.lagannakemur:sjkratrygginga.i(m݌nF Ќ  L  M    L  M  63.gr.  L  M  Breytinglgumnr.74/1997,umrttindisjklinga,meWsWaribreytingum.L  M    / /"i(m"    i(m2"9  1  .3  Ԉ0    L  M  0staWorWanna?heilbrigWisogtryggingamlarWherra 1.mgr.2.gr.lagannakemur: r landlknis.i(m<݌e= Ќ  "i(m"  i(m2"9  2  .3  Ԉ0    L  M  & , EftirfarandibreytingarverWa1.mlsl.4.gr.laganna:i(m݌0 Ќ  "k"  k0  2"9  a  .3  0  L  M  L  M  0staWorWanna?HeilbrigWisogtryggingamlarWuneytiW kemur:HeilbrigWisrWu  neytiW.k݌ Ќ  "k"  kU 0  2"9  b  .3  0  L  M  ',070staWorWsins?almannatryggingar kemur:sjkratryggingar.kU  ݌i Ќ  L  M    L  M  64.gr. ' L  M  Breytinglgumnr.41/2007,umlandlkni,meWsWaribreytingu.L  M    / /"i(m"    i(m"2"9  1  .3  Ԉ0    L  M  EftirfarandibreytingarverWa6.gr.laganna:i(m""݌ Ќ  "k"  k#0  2"9  a  .3  0  L  M  L  M  eftirorWinu?rWherra 2.mlsl.3.mgr.kemur:eWasjkratryggingastofnunin.k# $݌`  Ќ  "k"  kE%0  2"9  b  .3  0  L  M  eftirorWinu?rWherra 5.mgr.kemur:ogsjkratryggingastofnuninni.kE%r%݌S+! Ќ  L  M  "i(m"  i(m&2"9  2  .3  Ԉ0    & a L  M  EftirfarandibreytingarverWa5.mgr.8.gr.laganna:i(m&&݌" Ќ  "k"  k'0  2"9  a  .3  0  L  M  L  M  eftirorWinu?Lyfjastofnun 4.mlsl.kemur:sjkratryggingastofnunin.k'(݌# Ќ  "k"  k4)0  2"9  b  .3  0  L  M  5.mlsl.fellurbrott.'a<'k4)a)݌ $ Ќ  L  M  "i(m"  i(mc*2"9  3  .3  Ԉ0    L  M  0staWorWanna?Tryggingastofnunarrkisins 21.gr.lagannakemur:sjkratrygginga !W% stofnunarinnar.i(mc**݌J""& Ќ  L  M    L  M  & , 65.gr. #( L  M  Breytinglgumnr.18/1984,umXj;nustuogendurhfingarstWsj;nskertra, $ ) meWsWaribreytingum.L  M   v%N!* / /"i(m"    i(m7-2"9  1  .3  Ԉ0    L  M  0staWorWanna?heilbrigWis',#,ԀogtryggingamlarWherra 1.mlsl.3.gr.lagannakemur: A&"+  heilbrigWisrWherra.i(m7-p-݌ '", Ќ  "i(m"  i(m.2"9  2  .3  Ԉ0    L  M  L  M  L  M  & ,  0staWorWsins?almannatryggingar tvvegis1.mgr.4.gr.lagannakemur:sjkratrygg ( ingar.i(m./݌ Ќ  L  M  "i(m"  i(m02"9  3  .3  Ԉ0    L  M  0staWorWsins?almannatryggingar 1.mgr.6.gr.lagannakemur:sjkratryggingar.i(m00݌ Ќ  L  M  ',(/  L  M  & , 66.gr. T, L  M  Breytinglgumnr.42/2007,umHeyrnarogtalmeinastW.L  M    / /"i(m"    i(m&32"9  1  .3  Ԉ0    L  M  0staWorWanna?heilbrigWisogtryggingamlarWherra 1.gr.lagannakemur:heil  brigWisrWherra.',TO2i(m&3_3݌  Ќ  "i(m"  & , i(m42"9  2  .3  Ԉ0    L  M  EftirfarandibreytingarverWa6.gr.laganna:i(m45݌ X Ќ  "k"  k50  2"9  a  .3  0  L  M  L  M  0staWorWsins?almannatryggingar 1.mlsl.1.mgr.og4.mgr.kemur:sjkra K #  tryggingar.k5&6݌   Ќ  "k"  k70  2"9  b  .3  0  L  M  ', 40staWorWanna?almannatryggingar,meWsWaribreytingum 2.tlul.1.mgr.kemur:    sjkratryggingar.k77݌  Ќ  L  M    L  M  67.gr. B  L  M  Breytings;ttvarnalgum,nr.19/1997,meWsWaribreytingum.L  M      / /"i(m"    i(m:2"9  1  .3  Ԉ0    L  M  0staWorWanna?heilbrigWisogtryggingamlarWherra 2.mlsl.2.mgr.9.gr.laganna   kemur:heilbrigWisrWherra.i(m:U:݌{  Ќ  "i(m"  i(m;2"9  2  .3  Ԉ0    L  M  0staWorWanna?heilbrigWisogtryggingamlarWuneytis 1.mlsl.3.mgr.14.gr. nF lagannakemur:heilbrigWisrWherra.i(m;;݌9 Ќ  "i(m"  i(mU=2"9  3  .3  Ԉ0    L  M  0staWorWanna?almannatryggingaroglgumumheilbrigWisYj;nustu 2.mlsl.1.mgr.  17.gr.lagannakemur:sjkratryggingar.i(mU==݌ Ќ  L  M    L  M  & a 68.gr. e= L  M  Breytinglgumnr.54/2006,umatvinnuleysistryggingar.L  M   0 / /"i(m"    i(m?2"9  1  .3  Ԉ0    L  M  eftirorWunum?Tryggingastofnun'ae&?rkisins 3.mgr.9.gr.lagannakemur:sjkra  tryggingastofnunin.i(m?2@݌ Ќ  "i(m"  i(mA2"9  2  .3  Ԉ0    L  M  0staWorWanna?slysaeWasjkradagpeningasamkvmtlgumumalmannatryggingar  i 1.mgr.51.gr.lagannakemur:slysadagpeningasamkvmtlgumumalmannatrygg \4 ingareWasjkradagpeningasamkvmtlgumumsjkratryggingar.i(mAA݌' Ќ  L  M    L  M  69.gr.  L  M  Breytinglgumnr.95/2000,umfWingarogforeldraorlof, `  meWsWaribreytingum.L  M   S+!   L  M    OrWin?sjkradagpeningaog 2.mgr.33.gr.lagannafallabrott. " L  M    L  M  70.gr.  $ L  M  Breytinglgumnr.113/1990,umtryggingagjald,meWsWaribreytingum.L  M   !W%   L  M    eftirorWunum?svoog 2.tlul.9.gr.lagannakemur:sjkradagpeningarsamkvmt J""& lgumumsjkratryggingarog. #' L  M    L  M  & a 71.gr. $ ) L  M  BreytingumferWarlgum,nr.50/1987,meWsWaribreytingum.L  M   v%N!*     L  M  0staWorWanna?Tryggingastofnunrkisins 'a$GԀbliW7.mgr.102.gr.lagannakemur:sjkra A&"+ tryggingastofnuninni,sbr.lgumsjkratryggingar.  '", L  M   '#- j@ j  j    L  M  72.gr. ( L  M  Breytinglgumnr.29/1993,umvrugjaldafkutkjum,eldsneytio.fl.,  meWsWaribreytingum.L  M      L  M    0staWorWanna?Tryggingastofnunrkisins foglliW2.mgr.5.gr.lagannakemur: a sjkratryggingastofnuninni. T, L  M    L  M  73.gr.  L  M  Breytinglgumnr.129/1997,umskyldutryggingulfeyrisrttinda   ogstarfsemilfeyrissj;Wa,meWsWaribreytingum.L  M    X   L  M    eftirorWunum?bturgreiddarafTryggingastofnunrkisins 4.mlsl.1.mgr.3.gr. K #  lagannakemur:sjkradagpeningasamkvmtlgumumsjkratryggingar.    L  M    L  M  kvWitilbrWabirgWaL  M  .    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L  M    L  M  Um6.gr. \4   L  M    0greininnierfjallaWumstj;rnsjkratryggingastofnunarinnarog1.mgr.segiraWrW ' herraskipifimmmennstj;rnogskulieinnskipaWurformaWurstj;rnarogannarvara  formaWur.SkipaWirskulujafnmargirmenntilvara.KveWiWerumaWformaWurstj;rnarboWi  tilstj;rnarfundaogstUriYeimogsiturforstj;rifundistj;rnarinnarmeWmlfrelsiogtillgu `  rtti.XermltfyrirumaWrWherrasetjistj;rninnierindisbrfogkveWiY;knuntil S+! stj;rnarmannasemskuligreiddafrekstrarfstofnunarinnar.kvWiWersambrilegtog " gildirumstj;rnTryggingastofnunarrkisins,sbr.3.gr.laganr.100/2007,umalmannatrygg # ingar,aWWruleytienYvaWekkiergertrWfyriraWrWherrasetjistj;rninnistarfsreglureins  $ oggerterrWfyrirmeWstj;rnTryggingastofnunarrkisins. !W%   02.mgr.erfjallaWumhlutverkstj;rnarsjkratryggingastofnunarinnarenYarsegiraW J""& stj;rninskulistaWfestaskipulagstofnunarinnar,rlegastarfstlunogfjrhagstlunog #' markahennilangtmastefnu.KveWiWerumaWstj;rninskulihafaeftirlitmeWstarfsemi #( stofnunarinnarogaWreksturhennarsinnanrammafjrlagahverjumtma.kvWiWer $ ) sambrilegtoggildirumstj;rnTryggingastofnunarrkisins,sbr.1.mgr.4.gr.lagaumal v%N!* mannatryggingar. A&"+   03.mgr.segiraWformaWurstj;rnarsjkratryggingastofnunarinnarskulireglulegagera  '", rWherragreinfyrirstarfsemihennaroggerahonumviWvartefstarfsemiogYj;nustasekki '#- samrmiviWkvWilagaogefreksturerekkisamrmiviWfjrlg.kvWiWersam ( brilegtoggildirumstj;rnTryggingastofnunarrkisins,sbr.2.mgr.4.gr.lagaumalmanna  tryggingar.  L  M    L  M  & a Um7.gr. T,   L  M    0greininnierfjallaWumskipunforstj;rasjkratryggingastofnunarinnarog1.mgr.segir  aWrWherraskipiforstj;ratilfimmrasenn'aTaWfenginnitillgustj;rnarstofnunarinnar.  SkilyrWieraWforstj;rihafilokiWnmihsk;lastigiogbiyfirreynsluafrekstriogstj;rnun   semnUtisthonumstarfi.GerterrWfyriraWforstj;rirWiaWrastarfsmennstofnunarinnar  X ogannistdagleganreksturhennar.kvWiWersambrilegt5.gr.og1.mgr.6.gr.laganr. K #  100/2007,umalmannatryggingar,umforstj;raTryggingastofnunarrkisins.X;erkvWiW    frbrugWiWaWYvleytiaWgerWarerukrfurtilmenntunarogreynsluforstj;rasjkratrygg    ingastofnunarinnar.     02.mgr.erkveWiWumaWrWherraskulisetjaforstj;raerindisbrfYarsemtilgreindskuli wO  helstumarkmiWYj;nustuogrekstristofnunarinnarogverkefnihennartillengriogskemmri B  tma.XsegiraWerindisbrfiskuliennfremurkveWiWumsamskiptiforstj;raogstj;rnar    sjkratryggingastofnunarinnar.kvWiWersambrilegtYvsemgildirumforstj;raTrygg   ingastofnunarrkisins,sbr.2.mgr.6.gr.lagaumalmannatryggingar. {    03.mgr.erkveWiWumYbyrgWogskyldursemforstj;rahvlaenhannberbyrgW nF YvaWstofnuninstarfisamrmiviWlg,stj;rnvaldsfyrirmliogerindisbrf.XerkveWiW 9 umaWforstj;riberibyrgWstarfsemistofnunarinnarogYvaWrekstrartgjldogrekstr  arafkomassamrmiviWfjrlgogaWfjrmunirsunUttirrangursrkanhtt.kvWiW  ersambrilegtkvWumumforstj;raTryggingastofnunarrkisins,sbr.3.mgr.6.gr.laga r umalmannatryggingar. e= L  M    L  M  Um8.gr.    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J""&   L  M    0greininnierkveWiWumaWsjkratryggingartakitilheilbrigWisYj;nustuogannarraraW #' stoWarsemkveWiWhefurveriWmeWlgunum,'aJ"ԀreglugerWumsettumsamkvmtYeimeWa #( samningumaWveitakostnaWrkisinseWameWgreiWsluYtttkurkisins.JafnframttakiYr $ ) tilb;tasamkvmtlgunumsemgreiddarsupeningum.L  M  XerkveWiWumaWsL  M  jkra v%N!* tryggWireinstaklingareigirtttilaWstoWarsvosemnnarsmltfyrirumlgunum. A&"+ kvWiWeraWstofnitilL  M  sambrilegtL  M  Ԁ3.mgr.37.gr.laganr.100/2007,umalmannatrygg  '", ingar.XarsegiraWsjkratryggingsamkvmtlgunumtakitilheilbrigWisYj;nustu,sbr.lg '#- umheilbrigWisYj;nustu,semkveWiWhefurveriWmeWlgum,reglugerWumeWasamningum ( aWveitakostnaWrkisinseWameWgreiWsluYtttkurkisins.    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L  M    L  M  Um15.gr.L  M   {    L  M    0greininniL  M  ԀerkveWiWumsjkratryggingarfriWargsluliWaogsegirL  M  YarL  M  aWslenskir nF friWargsluliWarsemstarfL  M  aL  M  ԀviWfriWargsluerlendisvegumutanrkisrWuneytisinsogf 9 greiddlaunrrkissj;W,sbr.lgumslenskufriWargslunaogYtttkuhennaralYj;Wlegri  friWargslu,L  M  suL  M  ԀsjkratryggWirsamkvmtlgunum.XerkveWiWumheimildrWherratil  aWsetjareglugerWumnnariframkvmdgreinarinnar. r   kvWiWernUmliogtekurmiWaf11.gr.laganr.73/2007,umslenskufriWargsluna e= ogYtttkuhennaralYj;WlegrifriWargslu,enYarsegiraWslenskirfriWargsluliWarskuli 0 veralf,sjkraogslysatryggWirmeWanrWningarsamningurviWYsgildi.Skulislkar  tryggingarnbWitilatvikasemverWastarfiogutanstarfserlendrigrundmeWan  rWningarsamningurviWYL  M  erL  M  Ԁgildi. i L  M    L  M  Um16.gr. 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" mgr.50.gr.s.l.L  M  ԀSkilyrWieraWlgWsframstaWfestingBtlendingastofnunarYvaWhlihafi # veriWveitt.L  M  ԀXerkveWiWumheimildrWherratilaWsetjareglugerWumnnariframkvmd  $ greinarinnar. !W%   kvWiWernUmliogtekurmiWaf18.gr.reglugerWarnr.463/1999umframkvmd J""& almannatryggingaogskrningutryggingaskr,L  M  semL  M  ԀsettL  M  erL  M  meWstoWlgumumalmanna #' tryggingar.kvWiWtekureinnigmiWafVII.kaflalagaumtlendinga,einkum51.gr. #( L  M    L  M  Um17.!22.gr.,24.gr.og28.gr. v%N!*   L  M    017.og18.gr.frumvarpsinserkveWiWumaWsjkratryggingartakitilYeirrargrunn A&"+ Yj;nustusemrkinuberaWveitasamkvmtlgumnr.40/2007,umheilbrigWisYj;nustu,Y.e.  '", heilsugsluogsjkrahsYj;nustu.TilviWb;tarYeimgrundvallarrttier19.!22.gr.frum '#- varpsinskveWiWumaWsjkratryggingartakitiltiltekinnarsrhfWrarheilbrigWisYj;nustu ( semsamiWhefurveriWumsamrmiviWstefnumrkunrWherraYvsviWi.Rtturtil  greiWsluYtttkusjkratryggingaviWb;tarYj;nustuerhWurYvaWsamningarviWsjkra  tryggingastofnuninaumYj;nustunasufyrirhendi,sbr.Y;undantekningartilvikum38.gr. a frumvarpsins. T, L  M    L  M  Um17.gr.    L  M    0greininnierkveWiWumaWsjkratryggingartakitilallrarheilsugslu,hvortsemhn   erveittheilsugslustWvumeWaafsjlfstttstarfandiheilbrigWisstarfsmnnum,susamn  X ingarfyrirhendi.HrerusameinuWefnislegrttindiskv.2.mgr.39.gr.,aliWogjliW1.mgr. K #  41.gr.laganr.100/2007,umalmannatryggingar.JafnframthafaheimildirtilgreiWslu    YtttkuhjkrunveriWrUmkaWar.      01.mgr.greinarinnarermltfyrirumaWsjkratryggingartakitilallrarheilsugslu   Yj;nustusemveittervegumheilsugslustWvasamkvmtlgumumheilbrigWisYj;nustu. wO  EkkiskiptirmlihvortumeraWrWaheilsugslustWvarsemrkiWrekureWaheilsugslu B  stWvarsemreknareruafeinkaaWilumsamkvmtsamningumviWsjkratryggingastofnunina.    kvWiWerefnislegasambrilegt2.mgr.39.gr.lagaumalmannatryggingar.     Samkvmt2.mgr.takasjkratryggingareinnigtilalmennrarlknishjlparoghjkrunar {  semveitterutanheilsugslustWva.ErYttviWlknishjlpsemveitterafsjlfsttt nF starfandiheimilislknumoghjkrun,YarmeWalheimahjkrun,semveitterafsjlfsttt 9 starfandihjkrunarfrWingum.SkilyrWieraWfyrirhendissamningurviWsjkratrygginga  stofnuninaumYj;nustuna.0kvWinufelastefnislegasmurttindiogaliW1.mgr.41.gr.  lagaumalmannatryggingar(almennlknishjlp)ogaukinnrtturslitiWtiljliWar1.mgr. r 41.gr.smulaga(hjkrun). e=   03.mgr.errWherraheimilaWaWkveWannarumframkvmdgreinarinnarreglugerW. 0 L  M    L  M  Um18.gr.    L  M    0greininnierkveWiWumaWsjkratryggingartakitilsjkrahsYj;nustuoger1.mgr.aW i mestusamhlj;Wa1.mgr.39.gr.laganr.100/2007,umalmannatryggingar.X;ergertrW \4 fyrirYeimmguleikaaWfleiriaWilarenrkiWgetirekiWsjkrahs,enskilyrWigreiWsluYtttku ' sjkratryggingaeraWsamningurviWsjkratryggingastofnuninasfyrirhendi.    02.mgr.erkveWiWumaWsjkratryggingartakiekkieingngutilsjkrahsvistarheldur  einnigYj;nustusemveitterhinumUmsudeildumsjkrahsanYessaWuminnlgnsaW `  rWa.SlktkvWihefurekkiveriWlgumframtilYessaenframkvmdinhefurY;veriW S+! YannvegaWsjkratryggingartakitilYessararYj;nustu. "   03.mgr.errWherraheimilaWaWkveWannarumframkvmdgreinarinnarreglugerW. #   L  M  Um19.gr. !W%   L  M    01.mgr.greinarinnarermltfyrirumaWsjkratryggingartakitilnauWsynlegraranns;kna J""& ogmeWferWarhjsrgreinalknum.UmeraWrWasambrilegrttindiogkveWiWerum #' bliW1.mgr.41.gr.laganr.100/2007,umalmannatryggingar.MeWsrgreinalknumer #( kvWinuttviWYlknasemfengiWhafaleyfisamkvmtlknalgumtilaWkallasigsr $ ) frWingatiltekinnisrgreinlknisfrWi,aWheimilislkningumundanskildum,endafalla v%N!* heimilislkningarundir17.gr.frumvarpsins.MeWranns;knumerttbWiviWhefWbundnar A&"+ ranns;knirsvooggeislaogmyndgreiningu,semsamiWhefurveriWum.MeWmeWferWertt  '", viWbWiviWtloghverskonarmeWferWsemsamiWhefurveriWum.SkilyrWigreiWsluYtttku '#- samkvmtgreininnieraWgildissamningurmillisjkratryggingastofnunarinnarogYess ( srgreinalknissemveitirYj;nustuna,eWafyrirtkishans,ogaWsamningurinnnitilYeirrar  Yj;nustusemveitter.    02.mgr.errWherraheimilaWaWkveWannarumframkvmdgreinarinnarreglugerW. a RWherraerm.a.heimiltaWkveWaaWtilvsunheimiliseWaheilsugslulknissskilyrWi T, fyrirgreiWsluYtttkusjkratryggingakostnaWiviWranns;knireWameWferWirhjsr  greinalknumsamkvmtYessumkvWi.0bliW1.mgr.41.gr.lagaumalmannatryggingar  eraWfinnaefnislegasambrilega,ennokkuWtarlegarorWaWa,heimildervarWartilvsanir.   L  M    L  M  Um20.gr. K #    L  M    01.mgr.greinarinnarerkveWiWumaWsjkratryggingartakitilnauWsynlegratann    lkninga,annarraentannrttinga,aldraWra,ryrkjaogbarnayngrien18ra.MeWldruWum    erttviWYsemeru67raeWaeldriYegarYj;nustanerveittogmeWryrkjumerttviWY   semmetnirhafaveriWtila.m.k.50%rorkusamkvmtlfeyristryggingakaflalaganr.100/ wO  2007,umalmannatryggingar.EfumeraWrWaalvarlegarafleiWingarfWingargalla,slysa B  eWasjkd;matakasjkratryggingartilnauWsynlegratannlkningaogtannrttingafyriralla    aldursh;pa.L  M  ԀSkilyrWigreiWsluYtttkusamkvmtgreininnieraWgildissamningurmilli   sjkratryggingastofnunarinnarogYesstannlknissemveitirYj;nustuna,eWafyrirtkishans, {  ogaWsamningurinnnitilYeirrarYj;nustusemveitter. nF   Samkvmt2.mgr.skalrWherrakveWannarumframkvmdgreinarinnarreglugerW. 9 0reglugerWinnigeturrWherrakveWiWnnarumskilyrWigreiWsluYtttkusjkratrygginga  samkvmtgreininni,t.d.aWYvervarWarmatnauWsyn.EinnigerheimiltaWsetjareglurum  takmrkungreiWsluYtttku,t.d.aWYvervarWarumfangmeWferWarogendurtekningueWa r endurnUjun. e=   042.gr.laganr.100/2007,umalmannatryggingar,erkveWiWumgreiWsluYtttkusjkra 0 tryggingavegnatannlknaYj;nustu.EfnislegrttindieruaWmeginstefnutilYausmuen  orWalagnokkuWbreyttogkvWiWskUrara.HelstabreytinginersaWgerteraWskilyrWiaW  samningursfyrirhendimillisjkratryggingastofnunarinnarogYesssemveitirYj;nustuna, i sbr.Y;38.gr.frumvarpsins. \4 L  M    L  M  Um21.gr.      L  M  01.mgr.greinarinnarerkveWiWumaWsjkratryggingartakitilnauWsynlegrarsjkra  Yjlfunar,iWjuYjlfunarogtalYjlfunar.SkilyrWigreiWsluYtttkusamkvmtgreininnieraW `  gildissamningurmillisjkratryggingastofnunarinnarogYesssjkraYjlfara,iWjuYjlfaeWa S+! talmeinafrWingssemveitirYj;nustuna,eWafyrirtkishans,ogaWsamningurinnnitil " YeirrarYj;nustusemveitter.MeginbreytinginfrbliW1.mgr.38.gr.laganr.100/2007,um # almannatryggingar,ersaWekkierlengurgertrWfyriraWYessiaWstoWsveittformistyrks  $ heldurverWihnsamaformiognnursrfrWiYj;nusta,Y.e.umhanasamiWogsjkra !W% tryggWurgreiWigjaldfyrirhana. J""&   SjkratryggingastofnuninnierheimiltaWskiljavottorWsrfrWingsumnauWsynYjlfunar #' ogerYaWsamskonarheimildogkveWiWerum3.mlsl.3.mgr.38.gr.lagaumalmanna #( tryggingar. $ )   Samkvmt2.mgr.skalrWherrakveWannarumframkvmdgreinarinnarreglugerW. v%N!* 0reglugerWinnierm.a.heimiltaWkveWaumnnariskilyrWifyrirYtttkusjkratrygginga A&"+ kostnaWiviWYjlfun,hvortheldurersjkra,iWjueWatalYjlfun.  '", L  M   '#-   L  M  Um22.gr. (   L  M    01.mgr.greinarinnarermltfyrirumaWsjkratryggingartakitilannarrarsrhfWrar  heilbrigWisYj;nustuenkveWiWerum17.!21.gr.frumvarpsins,samrmiviWstefnu  mrkunrWherra.SkilyrWigreiWsluYtttkusamkvmtgreininnieraWgildissamningur a millisjkratryggingastofnunarinnarogYessheilbrigWisstarfsmannssemveitirYj;nustuna, T, eWafyrirtkishans,ogaWsamningurinnnitilYeirrarYj;nustusemveitter.HendurrWherra  eruekkibundnarafYvumhvaWaheilbrigWisYj;nustuersamiWsamkvmtYessarigreinaW  WruleytienYvaWlnghefWerfyrirYvaWsamiWsviWlj;smWurumaWstoWvegna   fWingaheimahsumogaWsamiWsumgreiWsluYtttkuvegnasrhfWrarmeWferWar  X alvarlegrahWsjkd;ma. K #    & a Samkvmt2.mgr.skalrWherrasetjareglugerWumnnariframkvmdgreinarinnarog    erhennim.a.heimiltaWkveWaumnnariskilyrWiogtakmrkungreiWsluYtttkusjkra    tryggingavegnahinnarumsmdusrhfWuheilbrigWisYj;nustu.'a iY     GreininniertlaWaWkomastaWfliWs1.mgr.38.gr.,2.mgr.38.gr.,eliWar1.mgr.41. wO  gr.ogaWhlutatil3.mgr.41.gr.laganr.100/2007,umalmannatryggingar,sbr.einnig55. B  gr.frumvarpsins.    L  M    L  M  Um23.gr. {    L  M    0greininnierkveWiWumYtttkusjkratryggingakostnaWivegnabrUnnarlknismeW nF ferWarerlendis,svoogferWaoguppihaldskostnaWivegnameWferWarinnar.GreinineraW 9 mestuleytisamhlj;Wa40.gr.laganr.100/2007,umalmannatryggingar,aukYesssemefni  dliWar1.mgr.38.gr.s.l.hefurveriWaukiWviW.kvWiWerekkilengurbundiWviWinnlgn  sjkrahsenY;erskilyrWiaWumlknismeWferWsaWrWa.XannigerekkiheimiltaW r greiWakostnaWvegnaannarskonarmeWferWar,svosemYjlfunareWaslfrWimeWferWar. e= EinnigerhnykktYvskilyrWiaWmeWferWinYurfiaWveraalYj;WlegaviWurkennd,Y.e.aW 0 ekkisumtilraunameWferWaWrWaogaWskilyrWi44.gr.frumvarpsinsaWYvervarWar  gagnreyndameWferWsuuppfyllt.kvWiWtekurtilkveWinnarafmarkaWrarmeWferWarsem  oftastlUkurskmmumtmaogspannarhstalagirfamnuWiYegarumalvarlegtilvik i eraWrWa.kvWiWtekurhinsvegarekkitilvistunarstofnunumerlendisumlengritma, \4 t.d.endurhfingarskyni. '   02.mgr.eraWfinnaheimildtilhandasjkratryggingastofnuninnitilaWkveWaaWsr  greinalknarsemstarfaerlendisveitisjklingimeWferWsjkrahsihrlandi.UmkostnaW  fersamkvmtsamningumsjkratryggingastofnunarinnarviWviWkomandisjkrahs,sbr.IV. `  kaflafrumvarpsins. S+!   03.mgr.ermltfyrirumaWsjkratryggingastofnuninkvarWihvortskilyrWisufyrir " hendisamkvmtYessarigreinoghvarsjkratryggWurskulinj;tameWferWarerlendis.Ekki # erkveWiWumskipunsrstakrarnefndareinsoggerter2.mgr.40.gr.lagaumalmanna  $ tryggingar.08.gr.frumvarpsinserhinsvegaraWfinnakvWisemheimilarstofnuninniaW !W% skipastarfsh;paogkallatilsrfrWingaeftirYvsemhntelurnauWsynlegt,m.a.viWmat J""& YvhvortunntsaWveitalknismeWferWhrlandisamkvmtYessarigrein. #'   04.mgr.erkveWiWumaWrWherrasetjireglugerWumnnariframkvmdgreinarinnar. #( ErYt.d.ttviWkvWiummatYvhvortunntsaWveitanauWsynlegaaWstoWhrlandi $ ) ogkvWiumgreiWsluferWastyrks.0reglugerWinnierjafnframtheimiltaWkveWaum v%N!* lknismeWferWerlendissemhvorkifellurundir23.n33.gr.frumvarpsins,m.a.Yegar A&"+ millirkjasamningarsem0slanderaWiliaWeigaviW.ErhrmeWalannarsttviWd;ma  '", Evr;pud;mst;lsinssemhafahrifrttinditilheilbrigWisYj;nustuWrurki.L  M   '#- Ї  L  M  Um24.gr. (   L  M    0greininnierkveWiWumaWsjkratryggingtakitilheilbrigWisYj;nustusemveitter  hjkrunarrUmumsjkrahsaoghjkrunarrUmumldrunarstofnanaoghjkrunarheimila.  SkilyrWigreiWsluYtttkusamkvmtgreininnieraWgildissamningurmillisjkratrygg a ingastofnunarinnarogYesssemveitirheilbrigWisYj;nustuna,ogaWsamningurinnnitilYeirr T, arYj;nustusemveitter.HrereingnguttviWYheilbrigWisYj;nustusemveitterstofn  ununumenekkihsnWiogaWraYj;nustu.    SkilyrWifyrirgreiWsluYtttkusjkratryggingaeraWframhafifariWmatYrfsjkra   tryggWsfyrirYj;nustuna,Y.e.svokallaWvistunarmat.059.og60.gr.frumvarpsinserlagttil  X aWkvWiumvistunarmatverWifluttrlgumummlefnialdraWralgumheilbrigWis K #  Yj;nustu,endaerumaWrWamatYrffyrirsrhfWaheilbrigWisYj;nustu.    L  M    L  M  Um25.gr.     L  M    0greininnierkveWiWumaWsjkratryggingartakitilnauWsynlegralyfjasemhafa wO  markaWsleyfihrlandiogkveWiWhefurveriWsamkvmtlyfjalgumaWsjkratryggingar B  takiYttaWgreiWa,sbr.2.tlul.2.mgr.43.gr.lyfjalaga,nr.93/1994.GreininkemurstaW    cliWar1.mgr.41.gr.laganr.100/2007,umalmannatryggingar,sbr.einnig29.gr.frum   varpsinsaWYvervarWargjaldtkufyrirlyf. {    02.mgr.eraWfinnareglugerWarheimildYarsemrWherraerheimilaWaWkveWannarum nF framkvmdgreinarinnar,YarmeWalumgreiWsluYtttkusjkratryggingaundantekningar 9 tilvikumlyfjumsemekkihafamarkaWsleyfihrlandi,sbr.4.tlul.2.mgr.43.gr.lyfja  laga.  L  M    L  M  Um26.gr. e=   L  M    0greininnierfjallaWumYtttkusjkratryggingakostnaWivegnahjlpartkja.01.mgr. 0 erkveWiWumaWsjkratryggingartakiYttkostnaWiviWflunnauWsynlegrahjlpartkja  semerutillengrinotkunarenYriggjamnaWa.RWherrakveWurnnarumkostnaWarYtt  tkusjkratryggingareglugerWogerm.a.heimiltaWtakmarkahanaviWtiltekinhjlpartki, i tiltekinnfjldao.s.frv.0reglugerWinniskaljafnframtkveWaumaWhversumikluleyti \4 sjkratryggingartakaYttkostnaWiviWtiltekinhjlpartki,t.d.hlutfallslega. '   02.mgr.erskilgreinthvaWtterviWmeWhugtakinuhjlpartki.kvWiWersamhlj;Wa  2.gr.reglugerWarnr.460/2003,umstyrkiTryggingastofnunarrkisinsvegnahjlpartkja.    kvWi3.mgr.erusamhlj;Wa2.og3.mlsl.3.mgr.38.gr.laganr.100/2007,umal `  mannatryggingar.AWWruleytiergreininnitlaWaWkomastaWa-liWar1.mgr.38.gr.s.l. S+! aWYvervarWarhjlpartki,nemahvaWgreininermuntarlegri. " L  M    L  M  Um27.gr.  $   L  M    01.mgr.greinarinnarerkveWiWumaWsjkratryggingartakiYttkostnaWivegnakaupa !W% lfsnauWsynlegumnringarefnumogsrfWi.SamkvmtkvWinuseturrWherrareglu J""& gerWYarsemgreiWsluYtttakaYessiernnartfrWogtakmrkuWogmeWalannarskveWiW #' umhverskonarnringarefnaogsrfWisgreiWsluYtttakannrtil.0reglugerWinniskal #( jafnframtkveWa&  umaWhversumikluleytisjkratryggingartakaYttkostnaWiviWtiltekin $ ) nringarefniogsrfWi,'${0t.d.hlutfallslega. v%N!*   kvWi3.mgr.erusamhlj;Wa2.og3.mlsl.3.mgr.38.gr.laganr.100/2007,um A&"+ almannatryggingar.AWWruleytiergreininnitlaWaWkomastaWeliWar1.mgr.38.gr.s.l.  '", L  M   '#-   L  M  Um28.gr. (   L  M    0greininniermltfyrirumaWsjkratryggingartakitilsjkraflutningsinnanlands.  GreinineraWmestusamhlj;WahliW1.mgr.41.gr.laganr.100/2007,umalmannatryggingar,  nemahvaWgjaldtkukvWineruflutt29.gr.frumvarpsinsogeinflduWmjg.Einniger a gertrWfyrirYvskilyrWigreiWsluYtttkusamkvmtgreininniaWgildissamningurmilli T, sjkratryggingastofnunarinnarogYessseminnirafhendisjkraflutning,sbr.Y;einnig38.  gr.frumvarpsins.    02.mgr.erkveWiWumgreiWsluYtttkusjkratryggingakostnaWivegnafylgdarmanns,   jafnvelY;ttumtlunarferWsaWrWa.ErYt.d.ttviWYautilvikYarsemsjkraflutningur  X ferframmeWtlunarflugimeWYeimhttiaWsjklingurliggurbrum.0Yessusamhengi K #  errttaWtakaframaWgetisjklingurferWastsitjanditlunarferWerekkiumsjkraflutning    aWrWa.KomaYkvWiumferWakostnaWtilskoWunar,sbr.30.gr.frumvarpsins.      03.mgr.ermltfyrirumflutningskostnaWmillisjkrahsaannarsvegaroghinsvegar   millisjkrahsaoghjkrunarheimila.0YeimtilvikumerkostnaWurviWsjkraflutninginn wO  greiddurafYeirristofnunsemsendirsjklinginn. B    04.mgr.errWherraheimilaWaWkveWannarumframkvmdgreinarinnarreglugerW.    L  M    L  M  Um29.gr. {    L  M    0greininnierkveWiWumheimildirrWherratilaWmlafyrirumgjaldtkufyrirheil nF brigWisYj;nustumeWsetningureglugerWar.kvWiWerbyggt34.gr.laganr.40/2007,um 9 heilbrigWisYj;nustu,ogaWhlutatilc-liWogh-liW1.mgr.og2.mgr.41.gr.laganr.  100/2007,umalmannatryggingar.X;erkvWiWnokkuWtarlegrameWhliWsj;nafbend  ingumfjrmlarWuneytisinsYaraWltandi.01.mgr.ersjtluliWumkveWiWumheimild r tilgjaldtkuafYeimeinstaklingumsemerusjkratryggWirsamkvmtfrumvarpinu.Ekkier e= umauknagjaldtkuaWrWafrngildandikvWumlagaumalmannatryggingaroglagaum 0 heilbrigWisYj;nustu.    AWWruleytienmlterfyrirumgreininniferumgjaldtkufyrirheilbrigWisYj;nustu  eftirkvWumsrlagaeftirYvsemviW,svosemlgumumHeyrnar-ogtalmeinastW.ViW i skUringarhugtkumgreininniberaWltatilskilgreiningalagaumheilbrigWisYj;nustu,sbr. \4 2.mgr.3.gr.frumvarpsins. '   01.tlul.1.mgr.erkveWiWumheimildtilgjaldtkuvegnaheilsugslusemsinnter  heilsugslustWvum.HeimilteraWtakagjaldvegnakomuheilsugslustWognrgjaldiW  m.a.tilkostnaWarviWinnritunogaWstWuogaWaukitilkostnaWarviWYj;nustulknaog `  annarraheilbrigWisstarfsmanna.TilviWb;tarviWgjaldvegnakomuheilsugslustWer S+! heimiltaWtakagjaldvegnab;lusetningar,YarmeWtaliWvegnab;luefna.Ennfremurer " heimiltaWtakagjaldvegnaranns;knasemframkvmdareruheilsugslustW,krabba # meinsleitaroggjaldvegnaforeldrafrWslu.MWra-ogungbarnavernderY;gjaldfrjlsog  $ hiWsamaviWumheilsugslusk;lumoghjkrunheimahsum.SrstaklegaerkveWiW !W% umaWgjaldfyrirYj;nustuskuliveralgrahjldruWum,ryrkjumogbrnum.Einniger J""& heimilaWaWgjaldfyrirYj;nustuutandagvinnutmamegiverahrraengjaldfyrirYj;nustu #' dagvinnutma. #(   02.tlul.1.mgr.erkveWiWumheimildtilgjaldtkuvegnaalmennrarogsrhfWrar $ ) heilbrigWisYj;nustusemveittersjkrahsumnYessaWuminnlgnsaWrWa.UmeraW v%N!* rWaYj;nustusemveittergngudeildum,dagdeildum,slysadeildumogbrWam;ttkum A&"+ sjkrahsa.NrgjaldiWm.a.tilkostnaWarviWinnritunogaWstWuogaWaukitilkostnaWar  '", viWYj;nustulknaogannarraheilbrigWisstarfsmanna.MWra-ogungbarnavernderY; '#- k@/ k  k  gjaldfrjls.VegnaYj;nustusrfrWilknaerheimiltaWtakahlutfallsgjaldogmtiltakah ( markYessreglugerW.SrstaklegaerkveWiWumaWgjaldfyrirYj;nustuskuliveralgrahj  ldruWum,ryrkjumogbrnum.    03.tlul.1.mgr.erkveWiWumheimildtilgjaldtkuvegnaYj;nustuheilbrigWisstarfs a mannasemsamiWhefurveriWumsamkvmtIV.kafla.NnartiltekiWerumaWrWaalmenna T, lknishjlpoghjkrunsemveitterutanheilsugslustWva,sbr.2.mgr.17.gr.frumvarpsins,  Yj;nustusrgreinalkna,sbr.19.gr.frumvarpsins,Yj;nustutannlkna,sbr.20.gr.frum  varpsins,Yj;nustusjkraYjlfara,iWjuYjlfaogtalmeinafrWinga,sbr.21.gr.frumvarpsins,   ogYj;nustuannarrasrhfWraheilbrigWisstarfsmanna,svosemlj;smWra,sbr.22.gr.  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HrerttviWranns;knir,geisla-ogmyndgreiningarsemframkvmdarerusjkrahsum   eWahjsjlfstttstarfandiheilbrigWisstarfsmnnumeWafyrirtkjumYeirraogsamiWhefur {  veriWum.Umgjaldvegnaranns;knasemframkvmdareruheilsugslustWvumferskv. nF 1.tlul. 9   05.tlul.1.mgr.erkveWiWumheimildtilgjaldtkuvegnalknisvottorWa,hvortsem  YauergefintheilsugslueWasjkrahsum.EkkiergertrWfyrirYvaWtgfalknis  vottorWaseittafYvsemsamiWerumviWsjlfstttstarfandilknaogfyrirtkjaYeirraen r kvWiWgirWirY;ekkifyriraWYaWverWigert. e=   06.tlul.1.mgr.erkveWiWumgjaldtkuvegnalyfja.Gjaldfyrirlyfmverahlutfalls 0 gjaldogerheimiltaWtiltakahmarkYessreglugerW.EfheildarverWlyfserekkihrraen  gjaldiWsemgreiWaskalgreiWirsjkratryggWurlyfiWaWfullu.0reglugerWmkveWahmark  einingalyfjavsunum,svosemhmarksskammtsemvsamegihvertsinn.kvWineru i sambrilegkvWumc-liWar1.mgr.og2.mgr.41.gr.lagaumalmannatryggingar. \4   07.tlul.1.mgr.erkveWiWumheimildtilgjaldtkuvegnasjkraflutninga.Nnarer ' kveWiWumsjkraflutninga28.gr.frumvarpsins.    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"   02.mgr.og3.mgr.erkveWiWumgjaldtkuvegnaheilbrigWisYj;nustusemveitterein # staklingumsemekkierusjkratryggWirsamkvmtfrumvarpinu.:sjkratryggWireigaekki  $ rttheilbrigWisYj;nustulgumsamkvmthrlandi.X;hefurheilbrigWisrWherrareglu !W% gerWnr.1076/2006kveWiWaWYessiraWilarfilknishjlpogheilbrigWisYj;nustusemveitt J""& erafhinuopinberaheilbrigWiskerfi0slandiviWskyndilegveikindieWaslyssemuppkoma #' hjhinumsjkratryggWahrlandi,sbr.15.gr.reglugerWarinnar.Skv.2.mgr.29.gr.frum #( varpsinsskuluYessiraWilargreiWaraunkostnaWafYeirriYj;nustusemYeirfheilbrigWis $ ) stofnunum,heilsugslustWvumogsjkrahsumendaeruYeiroftastmeWtryggingar v%N!* heimalandisnu.UmgjaldiWferskv.16.gr.reglugerWarnr.1076/2006ognrYaWtilalls A&"+ kostnaWar,t.d.viWinnritunogaWstWu,tmagjaldsvegnalknisYj;nustueWaYj;nustuannarra  '", heilbrigWisstarfsmanna,kaupaWfngum,leiguhsnWiogkostnaWarviWhjlpartkiog '#- lyf,aukinnheimtukostnaWar.EfuminnlgnsjkrahseraWrWaskal;sjkratryggWur (z$. greiWameWaltalDRG-kostnaWareinsogYaWerreiknaWtafLandsptalaog/eWasjkratrygg m)E%/ ingastofnuninni.0YeimtilvikumsemkostnaWurferumframviWmiWunarmarkDRGmeWaltals ( skalgreiWaraunkostnaW.EfgildierumillirkjasamningarumYj;nustunagildaYeirum  gjaldtkuafhinum;sjkratryggWa.kvWiWersamhlj;Wa2.mgr.34.gr.lagaumheil  brigWisYj;nustu. a   03.mgr.erYeimheilbrigWisstofnunumsemfengiWhafaheimildrWherratilaWveita T, ;sjkratryggWumeinstaklingumheilbrigWisYj;nustueinkarttarlegumgrundvelliskv.3.  mgr.22.gr.lagaumheilbrigWisYj;nustuveittheimildtilaWtakahrragjaldfyrirYj;nustuna  ennemurkostnaWiafveitinguhennar,svofremiaWekkisgildisamningurumYj;nustuna   viWYaWrkiYarsemsjklingurersjkratryggWur.GerirheimildinrWfyrirYvaWheilbrigWis  X stofnanirsemfengiWhafaslkaheimildgetiskipulagtogmarkaWssetttilteknaheilbrigWis K #  Yj;nustu,svosemsrhfWarskurWaWgerWiro.fl.,fyrir;sjkratryggWaeinkarttarlegum    grundvelliogveitthanahagnaWarskyni.kvWiWersamhlj;Wa3.mgr.34.gr.lagaumheil    brigWisYj;nustu.0greinargerWmeWfrumvarpitilYeirralagaervsaWtilumfjllunarum3.   mgr.22.gr.YessfrumvarpsenYarsegirm.a.:?Samkvmt3.mgr.geturrWherraveittsjkra wO  hsumogWrumsrhfWumheilbrigWisstofnunumsemreknareruafrkinuheimildtilaW B  skipuleggjaheilbrigWisYj;nustueinkarttarlegumgrundvellifyrir;sjkratryggWaeinstak    lingasemkomatillandsinsgagngertYvskyniaWgangastundirtilteknaaWgerWeWameW   ferW,endaskerWiYaWekkilgbundnaYj;nustustofnunarinnar.HrerumnUmliaWrWa {  semtlaWeraWveitasjkrahsumogsrhfWumheilbrigWisstofnunumtkifritiltrsar nF og?tflutnings srhfWriheilbrigWisYj;nustusemveitterhrlandi.GWioghagkvmni 9 slenskrarheilbrigWisYj;nustuYykjamrgumsviWumtilfyrirmyndarogmtlaaWUmis  tkifrigetiveriWfyrirhendiYessusviWisemrttsaWnUtatilhagsb;tafyrirslensktheil  brigWiskerfiogsamflagiWheildsinni.XmtlaaWstarfsemiafYessutagigetistyrktog r efltlknavsindihrlandim.a.YeimsviWumYarsem;raunhfthefurtalistaWhaldauppi e= flugrilkningastarfssemivegnafmennis.Umgjaldtkuaf;sjkratryggWumeinstaklingum 0 fyrirheilbrigWisYj;nustusamkvmtkvWinuferskv.3.mgr.[34].gr.ogvsasttilumfjll  unarumYaWkvWihraWneWan.GerirheimildinYannigrWfyriraWheilbrigWisstofnanir  semreknareruafrkinugetimarkaWssetttilteknaheilbrigWisYj;nustu,svosemsrhfWar i skurWaWgerWiro.fl.,fyrir;sjkratryggWaeinkarttarlegumgrundvelliogveitthana \4 hagnaWarskyni.SheimildinnUttverWuraWgeraYkrfuaWveitingYj;nustunnarhafiekki ' hrifYYj;nustusemsjkratryggWumstendurtilboWa.     AWWruleytienaWframangreinirvsasttilathugasemdameW33.gr.frumvarpsYesser  varWaWlgumnr.40/2007,umheilbrigWisYj;nustu. `    L  M  Um30.gr. "   L  M    0greininnierkveWiWumgreiWsluYtttkusjkratryggingaferWakostnaWiinnanlands. # GerterrWfyrirYvmeginskilyrWiaWumsaWrWa;hjkvmileganferWakostnaWvegna  $ trekaWrarmeWferWarhjlknieWasjkrahsi.GerterrWfyriraWnnarverWikveWiWum !W% greiWsluYtttkuna,svosemskilyrWihennaroghversumikilhnskulivera,reglugerWsem J""& rWherrasetur.1.mgr.ersamhlj;Wa1.mlsl.iliWar1.mgr.41.gr.laganr.100/2007,umal #' mannatryggingar. #(   02.mgr.eraWfinnareglugerWarheimildsemheimilarrWherraaWkveWafrekarigreiWslu $ ) YtttkuferWakostnaWienmlterfyrirum1.mgr.XanniggeturrWherrat.d.kveWiWaW v%N!* sjkratryggingartakiYttferWakostnaWiY;ttekkisumtrekaWameWferWaWrWa.AWYv A&"+ erferWakostnaWvarWarkemurYessireglugerWarheimildstaW1.mlsl.3.mgr.41.gr.laga  '", umalmannatryggingar. '#- L  M    L  M  Um31.gr. (   L  M    0greininnierkveWiWumgreiWsluYtttkusjkratrygginga;hjkvmilegumdvalar  kostnaWiforeldravegnasjkrahsinnlagnarbarnaYeirraundir18raaldrifjarriheimili.Gert  errWfyriraWnnarverWikveWiWumgreiWsluYtttkuna,svosemskilyrWihennaroghversu a mikilhnskulivera,reglugerWsemrWherrasetur.Greininersamhlj;Wa2.og3.mlsl.i T, liWar1.mgr.41.gr.laganr.100/2007,umalmannatryggingar,aWWruleytienYvaWorWa  lagihefureiltiWveriWhnikaWtil.  L  M    L  M  &  Um32.gr.  X   L  M    0greininnierkveWiWumgreiWslusj' kratryggingasjkradagpeningum.GreinineraW K #  mikluleytisamhlj;Wa43.gr.laganr.100/2007,umalmannatryggingar.X;hafaveriWgerWar    nokkrarbreytingarsemfyrstogfremstltaaWorWalagi.      01.mgr.ergerWsbreytingaWrtturtilsjkradagpeningaernbundinnviWaWum   skjandihafinW18raaldristaW16raWur.ErsbreytingsamrmiviWlgrWislg, wO  nr.71/1997,enskv.1.gr.YeirralagaverWamennlgrWa,Y.e.sjlfrWaogfjrrWa,18ra. B  JafnframterbreytinginsamrmiviWbarnalg,nr.76/2007,enskv.53.og61.gr.Yeirralaga    erforeldrumskyltaWframfrabrnsntil18raaldurs.     & a kvWiumrorkustyrkerbttviW1.mlsl.1.mgr.kvWiWkemurstaW2.mgr.48.gr. {  lagaumalmannatryggingar,aWYvervarWarsamspilrorkustyrksogsjkradagpeningaL  M  ԀL  M  og nF hefurYannigengaefnislegabreytingufrmeWsr.'a 9   02.mlsl.1.mgr.erkveWiWumaWsjkradagpeningargreiWistekkifyrirsamatmabil  ogslysadagpeningar.XerkveWiWumaWsjkradagpeningargreiWistekkifyrirsamatmabil  ogumskjandinUturgreiWslnavegnasamkvmtlgumnr.95/2000,umfWingarog r foreldraorlof.EkkiskiptirmlihvortumeraWrWagreiWslurrfWingarorlofssj;WieWa e= greiWslurfWingarstyrks.kvWiWkemurstaW2.mgr.48.gr.lagaumalmannatryggingar 0 aWYvervarWarsamspilslysadagpeningaogsjkradagpeninga,ogstaWkvWa2.mgr.  33.gr.laganr.95/2000,umfWingarogforeldraorlof,aWYvervarWarsamspilsjkra  dagpeningaoggreiWslnasamkvmtlgumumfWingarogforeldraorlof,sbr.einnig69.gr. i frumvarpsins.VarWandisWarnefndaatriWiWYykireWlilegraaWkvWiYessaefnisslgum \4 umsjkratryggingarheldurenlgumumfWingarogforeldraorlof,endavarWarkvWiW ' rttsamkvmtfyrrgreindulgunum.    02.mgr.erfjallaWumgreiWslutmabilsjkradagpeninga.SkilyrWieraWveikindihafivaraW  a.m.k.21dagsamfelltoggreiWastYdagpeningarfrogmeW15.veikindadegi.Dag `  peningargreiWastYannigekkifyrirfyrstu14daganasemveikindivara.HmarksgreiWslu S+! tmabildagpeningaer52vikurhverju24mnaWatmabili.012.mgr.errWherraY;veitt " heimildtilaWkveWaumframlenginguYesstmabilsreglugerW.kvWiWersamhlj;Wa1. # mlsl.2.mgr.og3.mgr.43.gr.lagaumalmannatryggingar.RtteraWgetaYessaW2.  $ mlsl.2.mgr.43.gr.lagaumalmannatryggingarerkveWiWumframlenginguhmarks !W% greiWslutmabilseneinsogfyrrvarnefnterrWherra12.mgr.veittheimildtilaWkveWa J""& umYaWatriWireglugerW. #'   03.mgr.erkveWiWumfjrhWsjkradagpeninga.kvWiWeraWmestusamhlj;Wa4. #( mgr.43.gr.lagaumalmannatryggingarutanYessaWorWalaghefurltillegaveriWlagfrt. $ )   04.mgr.erkveWiWumdagpeningavegnalaunaWrarvinnu,Y.e.hvaWatilvikumheimilt v%N!* eraWgreiWafulladagpeningaoghlfadagpeninga.kvWiWersamhlj;Wa5.mgr.43.gr.laga A&"+  umalmannatryggingar.  '",   &   05.mgr.eraWfinnakvWiumgreiWsludagpeningatilYeirrasemhafaYaWaWaWalstarfi ( aWsinnaheimilishaldiogheimilisstrfumviWeigiWheimili.kvWiWeraWmiklu'(Ԁleyti  samhlj;Wa6.mgr.43.gr.lagaumalmannatryggingarenY;erukvWiumgreiWslurvegna  heimilishjlpareinflduWmjg.GerterrWfyriraWrWherragetikveWiWnnarumYaW a atriWireglugerW,sbr.12.mgr.greinarinnar.03.mlsl.erkveWiWumaWumskjandisem T, nUturdagpeningavegnaniWurfelldrarlaunavinnugetittrttviWb;tvegnaheimilishjlpar.  tterviWumskjandasemnUturminnaenfullradagpeningavegnastarfssns,YvgreiWslur  getasamtalsekkinumiWmeiraenfullumdagpeningum.     &  06.mgr.erkveWiWumrttnmsmannatildagpeningavegnaforfallafrnmi.kvWiW  X ersamhlj;Wa' Ԁ2.mlsl.9.mgr.43.gr.lagaumalmannatryggingarenorWalagiY;eiltiW K #  hnikaWtil.      08.mgr.erkveWiWumviWmiWunartmabilvarWandimatYvhvortrtturtildagpeninga    sfyrirhendi,Y.e.sWustutvomnuWinaWurenumskjandivarW;vinnufr.kvWiWer   samhlj;Wa1.mlsl.9.mgr.43.gr.lagaumalmannatryggingar. wO    09.mgr.erkveWiWumhrifverkfallsrtttildagpeninga.kvWiWersamhlj;Wa10. B  mgr.43.gr.lagaumalmannatryggingar.      & a AWYvervarWarsjkradagpeningakemur7.mgr.staW3.mgr.48.gr.lagaumalmanna   tryggingar,10.mgr.kemurstaW3.mlsl.1.mgr.56.gr.s.l.,11.mgr.kemurstaWeliWar {  1.mgr.41.gr.s.l.og13.mgr.kemurstaW1.mlsl.69.gr.s.l.'ae nF   &  AWaukierkveWiWum12.mgr.aWrWherrasetjireglugerWumnnariframkvmd 9 greinarinnar.'9Ԁ0reglugerWinnierm.a.heimiltaWkveWannarumatriWisemmlterfyrirum  43.gr.lagaumalmannatryggingarenerekkiaWfinnafrumvarpinu,svosemumframleng  inguhmarksgreiWslutmabils. r   L  M    L  M  Um33.gr. 0   L  M    0greininnierkveWiWumrttsjkratryggWsvegnakostnaWarsemhannkannaWverWa  fyrirvegnaveikindaeWaslysaerlendis.L  M  01.mgr.L  M  erkveWiWumaWsL  M  ԀsjkratryggWum  nauWsynaWleitasrlkningaYarsemhannerstaddurerlendisYgreiWisjkratryggingar i kostnaWafYveinsogumlknishjlpinnanlandsvriaWrWa.XettaL  M  nrL  M  ԀY;ekkitilYeirra \4 semsamkvmtmillirkjasamningumWlastrtttilsjkrahjlparWrulandivegnadvalar ' YaraWYvervarWarYaWstoWsemsamningarnirfjallaum.kvWiWersamhlj;Wa1.mgr.45.  gr.laganr.100/2007,umalmannatryggingar.    02.mgr.segiraWYegarsjkratryggWumsnauWsynaWleitasrlkningaYarsemhannL  M  erL  M   `  staddurerlendisaWildarrkiEESsamningsinsYskulisjkratryggingargreiWakostnaWaf S+! YvsamkvmtreglumEESsamningsinssviWialmannatrygginga.kvWiWersamhlj;Wa " 3.mgr.45.gr.lagaumalmannatryggingar. #   03.mgr.erkveWiWumaWsjkratryggingarskulieinniggreiWaYannkostnaWsemhlUst  $ afYvaWsjkratryggWumsnauWsynaWleitasrlkningaYegarhannsstadduraWildar !W% rkistofnsamningsFrverslunarsamtakaEvr;pu.kvWiWersamhlj;Wa4.mgr.45.gr.laga J""& umalmannatryggingar. #'   04.mgr.ergertrWfyriraWheilbrigWisrWherrasetjireglugerWumframkvmdgL  M  rL  M  einar #( innar,m.a.umaWhvaWamarkisjkratryggingumsheimiltaWendurgreiWasjkratryggWum $ ) kostnaWvegnaveikindaeWaslysserlendissemhannfengiellaekkiendurgreiddanfr v%N!* sjkratryggingum.kvWiWersamhlj;Wa2.mgr.45.gr.lagaumalmannatryggingar. A&"+  L  M    '",   L  M  &   Um34.gr. (   L  M    0greininnierfjallaWumums;knirum'(ԀbturogYrupplUsingarsemumskjandaberaW  veitaogsjkratryggingastofnuninaflar.01.mgr.ermltfyrirumums;knirenkvWiWer  aWmikluleytisamhlj;Wa1.,2.og4.mlsl.1.mgr.52.gr.laganr.100/2007,umalmanna a tryggingar,ogerefnislegasambrilegt. T,   02.mgr.erkveWiWumupplUsingaskylduumskjanda.kvWiWersamhlj;Wa1.mlsl.  2.mgr.52.gr.lagaumalmannatryggingar.    03.mgr.ersjkratryggingastofnuninniheimilaWaWaflatiltekinnaupplUsingaumtekjur   umskjandaoggreiWslurtilhans.Mlsgreininersamhlj;Wa3.og6.mlsl.2.mgr.52.gr.  X lagaumalmannatryggingar,aWYvundanskilduaWekkierheimiltaWaflaupplUsingaum K #  tekjurmaka,endahafaYrekkiYUWinguvarWandikvarWanirumbtursjkratrygginga.    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L  M    L  M  Um35.gr. e=   L  M    0greininniermltfyrirumafgreiWsluums;knaogkvarWanirumbtur.1.mgr.er 0 samhlj;Wa1.mlsl.1.mgr.53.gr.laganr.100/2007,umalmannatryggingar.    02.mgr.erkveWiWumhversulangtafturtmannkvarWamegibtur.Engarbturm  kvarWalengraafturtmannentvrfrYvaWums;knog/eWannurggnsemeru i nauWsynlegforsendakvrWunarbrustsjkratryggingastofnuninni.Ekkiskiptirmlihvort \4 umeraWrWakvrWunumbtursembyggistums;kneWakvrWunumbtursemekki ' YarfaWskjasrstaklegaumogbyggistYarafleiWandiWrumggnum.Srreglagildirum  sjkradagpeninga.HeimilteraWkvarWaYtvomnuWiafturtmannograunsexmnuWi  efb;tartturYykirskUrog;tvrWur.kvWiWeraWmestusamhlj;Wa2.mgr.53.gr.laga `  umalmannatryggingar. S+!   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(   L  M    0greininnierfjallaWumstj;rnsUslukrurogsegir1.mgr.aWrsigreiningurumgrund  vll,skilyrWieWaupphWb;taskv.III.kaflalagannasheimiltaWkrakvrWunsjkra  tryggingastofnunartilrskurWarnefndaralmannatryggingasamkvmtlgumumalmanna a tryggingar.kvWiWernnastsamhlj;Wa1.mgr.7.gr.laganr.100/2007,umalmanna T, tryggingar.    02.mgr.erkveWiWumaWkratilrskurWarnefndaralmannatryggingaskulivera  skriflegL  M  .L  M  ԀKruYarfaWberaL  M  ԀframinnanYriggjamnaWafrYvaWilamlsvartilkynntum   kvrWun.skrifstofumsjkratryggingastofnunarinnarliggjaframmieyWublWYessuskyni  X ogL  M  berL  M  ԀstarfsmL  M  L  M  nnL  M  umL  M  ԀstofnunarinnaraWveitanauWsynlegaaWstoWviWtfyllinguYeirra. K #  kvWiWernnastsamhlj;Wa1.mgr.8.gr.lagaumalL  M  mannatryggingar.L  M        03.mgr.segiraWsjkratryggingastofnuninskuliltanefndinnitllggnmls,svoog    YrupplUsingarogskUringarernefndintelurYrf.kvWiWersamhlj;Wa2.mgr.8.gr.   lagaumalmannatryggingar. wO    &  04.mgr.erkveWiWumaWsjkratryggingastofnuningetihfWaWd;msmltilaWfhnekkt B  rskurWirskurWarnefndar'B+Ԁalmannatrygginga.kvWiWernnastsamhlj;Wa3.mgr.9.gr.    lagaumalmannatryggingar.   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'   02.mgr.erkveWiWumaWhafisjkratryggingastofnuninvangreittbturskulistofnunin  greiWaviWtakandaYaWsemuppvanti.kvWiWernnastsamhlj;Wa1.mlsl.4.mgr.55.  gr.lagaumalmannatryggingar. `    03.mgr.errWherraheimilaWaWsetjareglugerWumnnariframkvmdgreinarinnar,m.a. S+! uminnheimtuofgreiddumb;tum,undanYgurfrinnheimtuofgreiddrab;taogafskriftir " krafna.kvWiWernnastsamhlj;Wa6.mgr.55.gr.lagaumalmannatryggingar. # L  M    L  M  Um38.gr. !W%   L  M    0greininnierfjallaWumrrWiYegarsamningarumheilbrigWisYj;nustueruekkifyrir J""& hendi,sbr.IV.kaflafrumvarpsins.kvWiWernUmli.MeginreglanerennsemfyrraW #' llumtilvikumYurfiaWliggjafyrirsamningarmillisjkratryggingastofnunarinnarogveit #( endaYj;nustueftilYessaWkomaaWrkiWgreiWihlutdeildkostnaWiviWheilbrigWis $ ) Yj;nustu.0einstkumafmrkuWumtilvikumYykirY;rttaWsjkratryggingastofnuninnis v%N!* heimiltaWendurgreiWasjkratryggWumtlagWankostnaWvegnaheilbrigWisYj;nustugrund A&"+ velligjaldskrrsemsjkratryggingastofnuningefurt.GerterrWfyriraWvalltverWigripiW  '", tilslksrrWistmabundiWogaWkvWiWheimiliekkiaWkomiWsvaranleguendur '#- greiWslukerfinYessaWfyrirliggisamningarmillisjkratryggingastofnunarinnarogviW ( semjenda.EinkumergertrWfyriraWkvWiWverWinUtttilaWbramillibilsstandYegar  samningaviWrWurstandayfirogekkihafaveriWgerWirfullngjandisamningarum  heilbrigWisYj;nustuafmrkuWusviWi. a   Samkvmt2.mgr.seturrWherrareglugerWumnnariframkvmdgreinarinnar.0reglu T, gerWinniskalkveWiWumtmalengdheimildartilendurgreiWslusamkvmtgreininniog  nnurskilyrWiendurgreiWslu.GerterrWfyriraWrWherrasetjisrstakareglugerWhvertsinn  semheimildYessarierbeitt.   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B    L  M    0greininnierkveWiWumbreytingarlgumnr.74/1997,umrttindisjklinga,meW    sWaribreytingum.UmeraWrWaorWalagsbreytingarsemleiWirafYvaWgerterrWfyrir   srlgumumsjkratryggingar.Xer1.tlul.orWunumheilbrigWisogtryggingamlarW {  herrabreyttorWiWlandlknistilsamrmisviWlgumbreytinguUmsumlgumvegna nF flutningstgfustarfsleyfatillandlknis,nr.12/2008,semsamYykktvoruAlYingi4. 9 mars2008.  L  M    L  M  Um64.!68.gr.og70.!73.gr. r     L  M  GreinarnarkveWaumbreytingarUmsumlgumogereingnguumaWrWaorWa e= lagsbreytingarsemleiWirafflutningiverkefna. 0 L  M    L  M  Um69.gr.    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J""& laganr.70/1996,umrttindiogskyldurstarfsmannarkisins,gildaekkiumYessistrf,Y.e. #' ekkierskyltaWauglUsaYaulaustilums;knar.MeWYessuertryggtaWenginnstarfsmaWur #( Tryggingastofnunarrkisins,heilbrigWisrWuneytisins,heilsugslunnarogLandsptalasem $ ) starfaWhefuraWofangreindumverkefnummissistarfsittviWYrbreytingarsemkveWiWer v%N!* umfrumvarpinu. A&"+   0kvWitilbrWabirgWaIIerforstj;rasjkratryggingastofnunarinnarveittheimildtilaW  '", undirbagildistkulaganna. '#-   &  0kvWitilbrWabirgWaIIIerkveWiWumyfirtkueigna,rttindaogskyldnaaWYver ( varWarframkvmdsjkratryggingaogsjklingatryggingar'(.    0kvWitilbrWabirgWaIVerkveWiWumkvrWundaggjaldavegnaheilbrigWisYj;nustu  hjkrunarrUmumldrunarstofnunumoghjkrunarheimilumYartilkvWifrumvarpsins a verWaaWfullukomintilframkvmda.L  M   T,  Fylgiskjal.  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