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Frdnarb;tum,semgreiddareruvandamnnum,beraWdragaYrrorkubturer  greiddarhafaveriWeinulagiskv.4.mgr.11.gr.vegnasamaslyss. r   13.gr. 0 SjkrahsdvleWafangelsisvistb;taYega.  z  Umb;tarttYess,semnUturlfeyrissamkvmtlgumYessumogdvelstsjkrahsieWa  fangelsi,fersamkvmtkvWumlagaumlfeyrisrttindialmannatryggingaogflagslegan i stuWning. \4   C.Ums;knirumbturogupplUsingaskylda.   14.gr.  Ums;knirumbtur. `  |  XegaraWhndumberslys,semtlamb;taskyltsamkvmtlgumYessum,skalatvinnu S+! rekandieWahinntryggWi,efekkierumatvinnurekandaaWrWa,tafarlaustsendatilkynningu " umslysiWYvformisemsjkratryggingastofnuninhefurkveWiW,samtnauWsynlegum # ggnum,tilstofnunarinnareWaYj;nustustWvahennarutanReykjavkur.HinumslasaWaeWa  $ YeimWrumsemgeraviljakrfutilb;tavegnaslyssinsberaWfylgjastmeWYvaWtilkynn !W% ingarskyldunnisfullngt.EfatvikaWslysinueru;lj;seWamlekkingilegaupplUsteWa J""& stWatilaWtlaaWslysiWhafiorWiWafhirWuleysieWallegumtbnaWi,svoogefsjkra #' tryggingastofnunineWaannarhvoraWila,atvinnurekandieWahinnslasaWieWafyrirsvarsmaWur #( hans,;skarYessskallgreglustj;rirannsakamliW. $ )   EfssemttiaWtilkynnaslyshefurvanrktYaWskalYaWekkiveraYvtilfyrirstWuaW v%N!* ssemfyrirslysivarWeWaeftirltnirvandamennhansgetigertkrfutilb;taefYaWergert A&"+ WurenrerliWiWfrYvaWslysiWbaraWhndum.HeimilterY;aWgreiWabturY;ttliWiW  '", srfrYvaWslysbaraWhndumefatvikerusvolj;saWdrtturinntorveldarekkigagna '#- flunumatriWiermliskiptaoglknisfrWilegorsakatengslerulj;smillislyssinsog ( einkennahinsslasaWaYegartilkynningberst.EkkierheimiltaWgreiWabturYegarmeiraen  tureruliWinfrslysdegiYegartilkynningberst,sbr.Y;2.mgr.21.gr.RWherrasetur  reglugerWumnnariframkvmdkvWisins. a   & , 15.gr.  UpplUsingaskyldaumskjenda.    UmskjandaerrttogskyltaWtakaYttmeWferWmlsins,m.a.meWYvaWveitasjkra   tryggingastofnuninniYrupplUsingarsem',ԀtaldarerunauWsynlegartilYessaWhgtsaWtaka  X kvrWunumb;tarttoggreiWslub;tasemogendurskoWunYeirra.XerskyltaWtilkynna K #  umbreytingaraWstWumsemgetahafthrifbtur.      16.gr.   UpplUsingarumtekjuroggreiWsluropinberragjalda. wO    Sjkratryggingastofnunerheimilt,aWfengnuskriflegusamYykkiumskjandaogb;ta B  Yega,aWaflanauWsynlegraupplUsingaumtekjurumskjandaoggreiWsluropinberragjalda    hjskattyfirvldum,VinnumlastofnunogsambrilegumstofnunumerlendisYegarYaW   viW,rafrnteWaannanhtt. {    TeljiumskjandiupplUsingarfrYessumaWilumekkirttarskalhannleggjaframggn nF YvtilstaWfestingar. 9   17.gr.  SkorturupplUsingum. r   EfekkireynistunntaWtakakvrWunumb;tartt,fjrhWoggreiWslub;taogendur e= skoWunYeirravegnaskortsnauWsynlegumupplUsingumsemrekjamtilumskjandaer 0 sjkratryggingastofnunheimiltaWfrestakvrWunoggreiWslub;taYartilrYverbtt.  StofnuninskaltafarlaustgeraviWkomandiviWvarteftilfrestunarkemur,skorahannaW  veitanauWsynlegarupplUsingaroggerahonumgreinfyrirafleiWingumYessefskorunum i aWveitaupplUsingarerekkisinnt. \4   18.gr.  UpplUsingaskyldaheilbrigWisstarfsmanna.    XeimheilbrigWisstarfsmnnumsembyrgWberavrslusjkraskra,sbr.lgumsjkra `  skrr,erskyltaWveitalknum,eWaeftiratvikumhlutaWeigandiheilbrigWisstarfsmnnum S+! sjkratryggingastofnunarinnar,YrupplUsingarogggnsemstofnuninnierunauWsynleg " vegnakvrWunarumgreiWslub;ta. #   19.gr. !W% UpplUsingaskyldastofnanaogfyrirtkja. J""& L  Skattyfirvld,Tryggingastofnunrkisins,Vinnumlastofnun,Innheimtustofnunsveitar #' flaga,Xj;Wskr0slands,Fangelsismlastofnun,vtryggingaflg,sk;larsvoogaWrarstofn #( anirogfyrirtkiskulultasjkratryggingastofnuntupplUsingaraWYvmarkisemslkar $ ) upplUsingarteljastnauWsynlegartilaWunntsaWframfylgjalgumYessum. v%N!*   XskulusjkratryggingastofnuninogTryggingastofnunskiptastupplUsingumummat A&"+ rorkuogWrumupplUsingumaWYvmarkisemYrteljastnauWsynlegarviWframkvmd  '", laganna. '#- Ї  20.gr. ( EftirlitogviWurlg.  œ  SjkratryggingastofnuninskalreglubundiWsannreynarttmtib;ta,greiWslnaogupplUs  ingasemkvrWunumrttindibyggist.StofnuninnierheimiltYgueftirlitsaW;skaeftir a llumggnumsemtalinerunauWsynlegtilaWsannreynarttmtikvarWanaoggreiWslna. T,   Grundvllb;tarttarmendurskoWahvenrsemerogsamrmabturYeimbreytingum  semorWiWhafaaWstWumb;taYega.LeikirkstuddurgrunuraWb;tarttursekkifyrir  hendierheimiltaWfrestagreiWslumtmabundiWmeWanmlerrannsakaWfrekarogstWva   greiWslurkomilj;saWb;tarttursekkifyrirhendi.UmofgreiWslurogvangreiWslurferskv.  X 27.gr. K #    LeikigrunuraWbtursugreiddargrundvellirangraeWavillandiupplUsingafrb;ta    YegaerheimiltaWaflaupplUsingafrWrumaWilumsemtlamaWgetiveittupplUsingar    ermliskiptaYvskyniaWleiWrttab;tagreiWslur.     Komilj;saWrangar,villandieWa;fullngjandiupplUsingarhafivsvitandiveriWveittar wO  eWaltiWhjlWaaWveitanauWsynlegarupplUsingarYvskyniaWnj;tatryggingareWaf B  ;rttmtargreiWslur,skalb;taYegiendurgreiWaYfjrhWsemofgreiddvaraWviWbttu    15%lagi.UminnheimtuofgreiWslnaferaWWruleytisamkvmtkvWum27.gr.     D.MlsmeWferWo.fl.  nF 21.gr. 9 kvrWunb;ta.  I  Allarums;knirskulukvarWaWarsvoflj;ttsemkosturerogskulubturreiknaWarfr  YeimdegisemumskjandinnhefuruppfylltskilyrWitilb;tanna.MnaWarlegarbturskv. r 11.og12.gr.reiknastY;frfyrstadeginstamnaWareftiraWb;tartturerfyrirhendiog e= fallaniWurlokYessmnaWarerb;tarttilUkur. 0   Bturvegnasjkrahjlpar,dagpeningarogdnarbturskalaldreikvarWalengraaftur  tmannentvrfrYvaWums;knognnurggnsemnauWsynlegerutilaWunntsaWtaka  kvrWunumb;tarttogfjrhWb;taberastsjkratryggingastofnuninni.UmgreiWslurslysa i lfeyrisafturtmannfersamkvmtlgumumfyrningukrfurttinda. \4   kvarWaWarbturfallaniWurefYreruekkis;ttarinnant;lfmnaWa,enkvarWam ' bturnUefrkstuddums;knberst.    Grundvllb;tarttarmendurskoWahvenrsemerogsamrmabturYeimbreytingum  semorWiWhafa. `    22.gr. " Matrorku. #    rorkaskv.11.gr.skalmetinsamkvmtlknisfrWilegumatiogkallastvaranleglknis  $ frWilegrorka.XarskalmetintilhundraWshlutavaranlegskerWinglkamlegriogeftir !W% atvikumandlegrifrnihjeinstaklingumsemorWiWhafafyrirlkamstj;ni.Umskjendur J""& skulumetnirtfrsmulknisfrWileguforsendum;hWkyni,menntun,starfieWahuga #' mlum. #(   MatvaranlegrilknisfrWilegrirorkuskalfyrstogfremstbyggjamiskatflurorku $ ) nefndarsamkvmtkvWumskaWab;talaga.HmarkvaranlegrarlknisfrWilegrarrorku v%N!* er100%hvortsemumeraWrWaafleiWingareinsslysseWasamanlagWarorkuvegnaafleiW A&"+  ingafleirislysa.  '", &     SjkratryggingastofnunerheimiltaWsemjaviWlknautanstofnunarinnarumverka ( greininguogmatrorkuumskjenda.'(     RWherraerheimiltmeWreglugerWaWkveWannarumframkvmdrorkumats.    &  23.gr. T, Stj;rnsUslukrur.  f  Rsigreiningurumgrundvll,skilyrWieWaupphWb;tasamkvmtYessumkaflaer  heimiltaWkrakvrWunsjkratryggingastofnunarinnartilrskurWarnefndaralmannatrygg   ingasamkvmtlgumumlfeyrisrttindialmannatryggingaogflagsleganstuWning.'Tr  X   KratilrskurWarnefndaralmannatryggingaskalveraskriflegogskalhnborinfram K #  innanYriggjamnaWafrYvaWilamlsvartilkynntumkvrWun.Hjsjkratryggingastofn    unogYj;nustustWvumhennarutanReykjavkurskululiggjaframmieyWublWYessuskyni    ogveitastarfsmennstofnunarinnarnauWsynlegaaWstoWviWtfyllinguYeirra.     Sjkratryggingastofnuninskalltanefndinnitllggnmls,svoogYrupplUsingar wO  ogskUringarsemnefndintelurYrf. B    SjkratryggingastofnuningeturhfWaWd;msmltilaWfhnekktrskurWirskurWarnefnd    aralmannatrygginga.     24.gr. nF GreiWslurtilYriWjaaWila. 9   EftalinerhttaaWgreiWslursemtlaWarerub;taYegaeWaframfrandatilframfrslu  sunotaWarYannhttaWeigisamrUmisttilgangilagannaerheimilt,efsrstakaraWstWur  erufyrirhendi,aWgreiWaYreWahlutaYeirraWrumenb;taYegaeWaframfranda.Slkar r kvarWanirskuluvalltveratmabundnarogteknarsamrWiviWflagsYj;nustuhlutaWeig e= andisveitarflagseWabarnaverndarnefnd,efumeraWrWagreiWslurvegnaframfrslu 0 barna.    25.gr. i StWvunb;tagreiWslna. \4 Ү  HeimilteraWstWvagreiWslurb;ta,semtlaWarerub;taYegumsjlfum,efhlutaWeigandi ' vanrkiraWfaraaWlknisrWumeWaneitaraWhltafyrirmlumumYtttkuYjlfuneWa  starfsnmisembttgtiafkomuhanseWabiWhannundirnUttstarf.    26.gr. S+! BannviWframsali,veWsetninguo.fl. "   :heimilteraWframseljaeWaveWsetjab;takrfursamkvmtlgumYessumogekkim # kyrrsetjaYrngeraYeimfjrnmnhaldab;taftilgreiWsluopinberragjalda,annarraen  $ iWgjaldasamkvmtlgumYessum. !W%   27.gr. #' OfgreiWslurogvangreiWslurb;ta. #( |  Hafisjkratryggingastofnuninofgreittb;taYegabtursamkvmtlgumYessumskal $ ) stofnunindragaofgreiddarbturfrb;tumsemb;taYegikannaWWlastrtttilsWar,sbr.Y; v%N!* 2.mgr.Einnigsjkratryggingastofnuninendurkrfurtthendurb;taYegaeWadnarbi A&"+  hanssamkvmtalmennumreglum.  '", &     Hafisjkratryggingastofnuninvangreittb;taYegabturskalstofnuningreiWahonumeWa ( dnarbihansYaW'(Ԁsemuppvantar.XegarbtureruvangreiddarskalgreiWavextiYfjr  hWsemvangreiddvarogreiknastYeirfrYeimdegisemskilyrWitilb;tannaeruuppfyllt,  Y;aldreilengraafturtmannentvr.SkuluvextirYessirverajafnhirvxtumsemSeWla a banki0slandskveWurogbirtirsamkvmtlgumumvextiogverWtryggingu.SamaviW T, YegarniWurstaWarskurWarnefndaralmannatrygginga,sbr.23.gr.,leiWirtilYessaWeinstak  lingurrttb;tumenhafWifengiWsynjuneWalgribturhjsjkratryggingastofnuninni,  sbr.Y;21.gr.EfbtureruvangreiddarvegnaskortsupplUsingum,sbr.17.gr.,fallavextir   niWur.  X   XegargreiWslaskv.1.mgr.stafarafsviksamleguatferlib;taYegaskalhanngreiWadrttar K #  vextiYb;tafjrhWogreiknastYeirfrYeimtmasemendurkrfurtturstofnast.      kvarWanirsjkratryggingastofnunarinnarumendurkrfuofgreiddrab;tasamkvmt    kvWiYessueruaWfararhfar.Stj;rnsUslukrafrestarY;aWfrgrundvellikvrWunar   stofnunarinnarumendurkrfuofgreiddrab;ta. wO    RWherraerheimiltaWsetjareglugerWumnnariframkvmdgreinarinnar,m.a.uminn B  heimtuofgreiddumb;tum,undanYgurfrinnheimtuofgreiddrab;taogafskriftirkrafna.      E.Tekjur.  {  28.gr. nF TekjuraftryggingagjaldiogiWgjld. 9 5  Btgjldslysatryggingaalmannatryggingaskuluborinaftekjumrkissj;Wsaftrygginga  gjaldiogiWgjldumskv.3.mgr.XskalrlegakveWafjrlgumframlagsemstandaskal  undirkostnaWiafb;tumvegnaYeirrasemumgeture-liW1.mgr.6.gr. r   Sjkratryggingastofnuninskalrhvertgeratlunumb;tagreiWslurogrekstrarkostnaW e= slysatrygginganstaalmanaksr. 0   IWgjldtgerWarmannafiskiskipavegnaslysatryggingasj;mannaskuluvera0,65%af  samanlgWumlaunumogaflahlutsj;mannasemhjYeimstarfahverjusinni.IWgjldYessi  skulusamtdagpeningumskv.6.mgr.31.gr.standaundirgreiWslulaunaog/eWaaflahlutar i skv.2.mgr.31.gr.ogrekstrarkostnaWislysatryggingavegnaframkvmdarsjkratrygginga \4 stofnunarinnarviWtrygginguYessa. '   IWgjldYeirrasemheimilisstrfstundaskv.7.gr.skulukveWinYannigaWYaustandi  undirkostnaWiviWtryggingunaogrekstrarkostnaWisjkratryggingastofnunarinnarvegna  framkvmdarinnar. `    29.gr. " lagningoginnheimta. # 2  IWgjldskv.28.gr.skalrkisskattstj;rileggjameWtekjuskattiogfraYauskattskr,  $ sbr.98.gr.lagaumtekjuskatt,ogskulukvWi99.gr.YeirralagaogkvWilagaumyfir !W% skattanefndgildaumiWgjldeftirYvsemviW. J""&   kvWilagaumtryggingagjaldskulueigaviWumgjaldstofn,gjaldskyldu,greiWslutma #' bil,lagninguoginnheimtuiWgjaldstgerWarmannafiskiskipavegnaslysatryggingasj; #( manna.AWtekjuriliWnuskalfaraframendanlegkvrWuniWgjaldsinssamrmiviWlauna $ ) framtalogskaliWgjaldiWsrgreintlagningarskrogskattskr.Rkisskattstj;riskalhalda v%N!* skryfirgjaldskyldaaWilaogskaleftiratvikumleitastaWfestingariWgjalditgerWaraWila A&"+ YegargreiWsluskyldasjkratryggingastofnunarinnarerkvrWuW.  '",   GjalddagariWgjaldaskulukveWnirreglugerW. '#-   IWgjldtilslysatryggingaskuluinnheimtafinnheimtumnnumrkissj;Wsogsveitarsj;Wa ( eWasrstkuminnheimtustofnunum.kvWilagaumtekjuskatt,YarmeWalumdrttarvexti  ogfjrnmsrtt,gildauminnheimtuiWgjalda.    30.gr. T, LgveWskipum.  l  IWgjldtgerWarmannafiskiskipavegnaslysatryggingasj;mannaskv.28.gr.skuluhvla  semlgveWhlutaWeigandiskipumoggangafyrirllumWrumveWumenlgveWumfyrir   gjldumrkissj;Ws.  X   31.gr.    ViWb;tartryggingtgerWarmannafiskiskipa.      BtgerWarmennfiskiskipaskulutryggjahttuvegnab;taskyldraslysasamkvmtlgum   Yessumog1.mgr.36.gr.sj;mannalagahjsjkratryggingastofnuninni. wO    SjkratryggingastofnuningreiWirtgerWarmnnumfjrhWsemsvarartilfullralauna B  og/eWaaflahlutarsj;mannaalltaWtvomnuWi.      BtgerWarmennskulugreiWaiWgjaldskv.28.gr.     BtgerWarmennsemYess;skagetasagtupptryggingu,sbr.1.mgr.,fyrir1.n;vemberr {  hvertvegnanstarseftir.Tilkynningumuppsgnskalberastsjkratryggingastofnuninni. nF EftiraWuppsgnhefurWlastgildieigatgerWarmennekkirttgreiWslumvegnalaunaeWa 9 aflahlutarforfllumvegnaslysaennj;taslysatryggingaalmennralaunYega.    HaldaskaltryggingumsamkvmtYessarigreinreikningslegaaWskildumfrannarristarf  semisjkratryggingastofnunarinnar. r   Dagpeningarskv.10.gr.skulurennatilsjkratryggingastofnunarinnarYanntmasem e= greiWslurlaunaogaflahlutareigasrstaW. 0   IV.KAFLI   TmiskvWi.  i 32.gr. \4 RttarstaWasambWarf;lks. '   Einstaklingarsemeru;vgWrisambW,sbr.2.gr.,eWastaWfestrisamvistnj;tasmurtt  indaogberasmuskylduroghj;nhafasamkvmtlgumYessum.    SameiginlegtlgheimilieWasambWeftirWrum;tvrWumggnumlengureneittrskal `  lagtaWjfnuviWskrningusambWarYj;Wskr. S+!   33.gr. # MeWferWpers;nuupplUsinga.  $ e  ViWmeWferWpers;nuupplUsingasemaflaWersamkvmtlgumYessumskalYessgttaW !W% uppfylltsuskilyrWilagaumpers;nuverndogmeWferWpers;nuupplUsingaogjafnframtgtt J""& kvWalagaumrttindisjklingaoglagaumsjkraskrreftirYvsemviW. #'   34.gr. $ ) Skyldurstarfsf;lks. v%N!* Z  Starfsf;lksjkratryggingastofnunarinnarskalkynnasraWstWurumskjendaogb;ta A&"+ YegaoggeraYeimgreinfyrirUtrastarttiYeirrasamkvmtlgumYessum,reglugerWumsett  '", umgrundvellilagannaogstarfsreglum_stofnunarinnar. '#-   Starfsf;lki_sjkratryggingastofnunarinnar_Ԁog_Yj;nustustWva_ԀhennarerskyltaWgtaYag ( mlskuumatriWierYaWfrvitneskjuumstarfisnuogleyntskulufarasamkvmtlgum,  fyrirmlumyfirmannseWaeWlimls._Xagnarskylda_ԀhelstY;ttltiWsafstarfi.    _Xagnarskyldan_ԀgildireinnigumYsemsinnaverkefnumfyrirstofnuninaeneruekki a starfsmennhennar. T,   35.gr.  Rttindimillilanda.     Xegar_millirkjasamningar_Ԁsem0slanderaWiliaWkveWaumgagnkvmrttinditilslysa  X tryggingaalmannatryggingaskuluYeirsemeigaaWfallaundirslenskalggjfsamkvmt K #  kvWumsamningannaWlastrttindisamkvmtlgumYessum.      EinstaklingarsemstarfaerlendisfyriraWilasemhefuraWseturogstarfsemi0slandiog    semeru_sjkratryggWir_Ԁskv.1.mgr.11.gr.lagaumsjkratryggingarenstarfaWrumrkjum   enYeimsemsamningarskv.1.mgr.hafaveriWgerWirviWfallaeinnigundirslenskalggjf. wO    RWherraseturreglugerWumnnariframkvmdgreinarinnar,m.a.umheimildtilaWdraga B  frb;tumsamkvmtlgumYessumbtursamkvmterlendrilggjffyrirsamatmabilog    bturerugreiddarfyrirhrlandi.     ViWframkvmdlagaYessaraskaltekiWtillittil_millirkjasamninga_ԀsviWialmannatrygg {  ingaog_flagsmla_Ԁsem0slanderaWiliaW. nF   36.gr.  kvrWunfjrhWa.  q  Dagpeningar,rorkubturogdnarbtursamkvmtlgumYessumkomatilendurskoW r unarviWafgreiWslufjrlagarhvert.ViWendurskoWuninaskaltakamiWafYr;unlauna,verW e= lagsogefnahagsmla.X;errWherraheimilt,aWfengnusamYykkirkisstj;rnar,aWbreyta 0 YessumfjrhWumefverulegarbreytingarverWa_launaYr;un_Ԁog_Yj;Whagsforsendum_Ԁfraf  greiWslufjrlaga.XegarfjrhWumerbreyttsamkvmtYessukvWiskalYaWgertmeW  reglugerW. i   37.gr. ' _InnleiWing_Ԁ_EES_-reglugerWa.    RWherraerheimiltaWinnleiWameWreglugerW_almannatryggingareglur_Ԁ_Evr;pusambands  ins_ԀeinsogYrerufelldarinnviWauka_VI_ԀviWsamninginnumEvr;pska_efnahagssvWiW_, `  sbr.lgnr.2/1993,meWsWaribreytingum,samanbereinnigkvrWunsameiginlegu_EES_Ԅ S+! nefndarinnarnr.76fr1.jl2011semfellirundirsamninginnreglugerWir_Evr;puYingsins_ " ogrWsins(_EB_)nr.883/2004umsamrmingu_almannatryggingakerfa_ԀmeWsWaribreytingum # ognr.987/2009umframkvmdhennar.ReglugerWir_Evr;pusambandsins_ԀsemteknarverWa  $ uppsamninginnogfelasrbreytingareWaviWbturviWYrreglugerWirereinnigheimilt !W% aWinnleiWameWreglugerW.SamaviWum_almannatryggingareglur_Ԁ_stofnsamnings_Ԁ_Frversl J""& unarsamtaka_ԀEvr;pu. #'   38.gr. $ ) ReglugerWir. v%N!*   RWherraerheimiltreglugerWaWkveWaumnnariframkvmdlagaYessara. A&"+    '", _  & a  39.gr. ( Gildistaka.    LgYessiWlastgildi1.jl2013.'a(    40.gr. T,  BreytingarWrumlgum.   q(#30"i(m"  i(m2#  1  .3  Ԉ0    Lgumatvinnuleysistryggingar,nr.54/2006,meWsWaribreytingum:0staWorWanna  ?slysadagpeningasamkvmtlgumumalmannatryggingar 1.mgr.51.gr.laganna   kemur:slysadagpeningasamkvmtlgumumslysatryggingaralmannatrygginga.i(m݌ X Ќ  "i(m"  i(m2#  2  .3  Ԉ0    SkaWab;talg,nr.50/1993,meWsWaribreytingum:0staWorWanna?eingreiddarrorku K #  bturalmannatrygginga,sbr.5.mgr.34.gr.laganr.100/2007 4.mgr.5.gr.laganna    kemur:eingreiddarrorkubturslysatryggingaalmannatrygginga,sbr.lgumslysa    tryggingaralmannatrygginga.i(m݌  Ќ  "i(m"  i(mB2#  3  .3  Ԉ0    Siglingalg,nr.34/1985,meWsWaribreytingum:i(mBo݌wO  Ќ  "k"  kZ0  2#  a  .3  0  0staWorWanna?samkvmta-liW1.mgr.35.gr.lagaumalmannatryggingar c-liW1. B  tlul.2.mgr.172.gr.lagannakemur:samkvmta-liW1.mgr.12.gr.lagaumslysa    tryggingaralmannatrygginga.kZ݌  Ќ  "k"  k?0  2#  b  .3  0  0staWorWanna?samkvmtc-liW1.mgr.35.gr.lagaumalmannatryggingar d-liW1. {  tlul.2.mgr.172.gr.lagannakemur:samkvmtc-liW1.mgr.12.gr.lagaumslysa nF tryggingaralmannatrygginga.k?l݌9 Ќ  "k"  k%0  2#  c  .3  0  0staWorWanna?samkvmt33.gr.lagaumalmannatryggingar a-liW2.tlul.2.mgr.  172.gr.lagannakemur:samkvmt10.gr.lagaumslysatryggingaralmannatrygginga.k%R݌ Ќ  "i(m"  i(m2#  4  .3  Ԉ0    LgumfWingar-ogforeldraorlof,nr.95/2000,meWsWaribreytingum:i(m݌r Ќ  "k"  k0  2#  a  .3  0  0staWorWanna?s;ttumYtilTryggingastofnunarrkisinssamkvmtgildandilgum e= umalmannatryggingar c-liW2.mgr.13.gr.alagannakemur:s;ttumYtilsjkra 0 tryggingastofnunarsamkvmtgildandilgumumsjkratryggingareWaslysatrygg  ingaralmannatrygginga.k.݌ Ќ  "k"  kO0  2#  b  .3  0  0staWorWanna?Tryggingastofnunrkisinsmeturgrundvellilagaumalmannatrygg i ingarhvortforeldrihefWittrttsjkra-eWaslysadagpeningum 4.mgr.13.gr.a \4 lagannakemur:Sjkratryggingastofnunmeturgrundvellilagaumsjkratryggingar ' eWaslysatryggingaralmannatryggingahvortforeldrihefWittrttsjkra-eWaslysa  dagpeningum.kO|݌ Ќ  "k"  k0  2#  c  .3  0  0staWorWanna?slysadagpeningasamkvmtlgumumalmannatryggingar 2.mgr. `  33.gr.lagannakemur:slysadagpeningasamkvmtlgumumslysatryggingar S+! almannatrygginga.k,݌" Ќ  "i(m"  i(m2#  5  .3  Ԉ0    LgumgreiWslurtilforeldralangveikraeWaalvarlegafatlaWrabarna,nr.22/2006,meW # sWaribreytingum:0staWorWanna?s;ttumYtilTryggingastofnunarrkisinssamkvmt  $ gildandilgumumalmannatryggingar c-liW2.mgr.9.gr.lagannakemur:s;ttumY !W% tilsjkratryggingastofnunarsamkvmtgildandilgumumsjkratryggingareWaslysa J""& tryggingaralmannatrygginga.i(m݌#' Ќ  "i(m"  i(m2#  6  .3  Ԉ0    LgumaWbnaW,hollustuhttiogryggivinnustWum,nr.46/1980,meWsWaribreyt #( ingum:0staWorWanna?Tryggingastofnunrkisinsskalsenda 4.mgr.79.gr.laganna $ )  kemur:Sjkratryggingastofnunskalsenda.i(m݌v%N!* Ќ  "i(m"  i(m2#  7  .3  Ԉ0    & ,  Lgumtryggingagjald,nr.113/1990,meWsWaribreytingum:i(m݌( Ќ  "k"  k0  2#  a  .3  0  OrWin?tilTryggingastofnunarrkisins 6.tlul.2.mgr.3.gr.lagannafallabrott.k݌ Ќ  "k"  k0  2#  b  .3  0  eftirorWunum?AWrarbturgreiddaraf 2.tlul.9.gr.lagannakemur:sjkratrygg  ingastofnuneWa.',(9kD݌a Ќ  "i(m"  i(m2#  8  .3  Ԉ0    Lgumskyldutryggingulfeyrisrttindaogstarfsemilfeyrissj;Wa,nr.129/1997,meW T, sWaribreytingum:0staWorWanna?lfeyrisemTryggingastofnunrkisinseWalfeyris  sj;WurgreiWir,bturgreiddarafTryggingastofnunrkisins,sjkradagpeningasamkvmt  lgumumsjkratryggingar, 4.mlsl.1.mgr.3.gr.lagannakemur:lfeyrisemTrygg   ingastofnunrkisins,sjkratryggingastofnuneWalfeyrissj;WurgreiWir,bturgreiddar  X afsjkratryggingastofnun,Tryggingastofnunrkisins,sjkradagpeningasamkvmt K #  lgumumsjkratryggingar.i(m݌   Ќ  "i(m"  i(mH 2#  9  .3  Ԉ0    Lgumranns;knsj;slysa,nr.68/2000,meWsWaribreytingum:0staWorWanna    ?Tryggingastofnunrkisins 2.mgr.6.gr.lagannakemur:sjkratryggingastofnun.i(mH u ݌  Ќ   q(#33 q  #dggAthugasemdirviWlagafrumvarpYetta.#ggd  B  |  I.Inngangur.       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U  kvWiWerefnislegasamhlj;Wa31.gr.gildandilagaumalmannatryggingar,nr.100/ " 2007. #   Um9.gr. !W% V  kvWiWeraWmestusamhlj;Wa32.gr.gildandilagaumalmannatryggingar,nr.100/ J""& 2007,meWeftirfarandiundantekningum: #'   GerterrWfyrirYvnUmlig-liW1.mgr.aWaukgreiWslusjkraYjlfunarverWikveWiW #( umgreiWsluiWjuYjlfunogtalYjlfun.EWlilegtertaliWaWslysatryggingaralmannatrygg $ ) ingagreiWislkankostnaWaWfullueinsogsjkraYjlfunarkostnaW,enreyntgeturhvortsem v%N!* eriWju-eWatalYjlfunvegnaafleiWingaalvarlegraslysa.XereinniglagttilaWfelltverWit A&"+  orWiW?orkulkningar samastafliWYarsemslkarlkningarfallaundira-liW1.mgr.eftir  '", Yv&   semviW(?lknishjlpsemsamiWhefurveriWumsamkvmtlgumumsjkratrygg ( ingar ).'(VZ    LagtertilaWviW1.tlul.1.mgr.btistnUrstafliWur,h-liWur,YarsemkveWiWerum  endurgreiWsluvegnatiltekinnalknisvottorWa.ErgertrWfyriraWendurgreiWslamiWistviW a YaWgjaldsemtilgreinterreglugerWumhlutdeildsjkratryggWrakostnaWivegnaheil T, brigWisYj;nustuhverjusinni.XettaersamrmiviWgildandiframkvmd,enskorthefur  lagaheimildfyrirumrddumendurgreiWslum.KostnaWurvegnavottorWaoglknisfrWilegra  gagnaannarraenYeirrasemtilgreinderugreininniendurgreiWastekkirslysatryggingum.     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K #    LgWertilnUmlsgrein,4.mgr.,YarsemkveWiWverWiumaWsjkrahjlpgreiWistekki    vegnakostnaWarsemfellurtilYegarliWinerufimmreWameirafrslysdegi.Efalvegsr    staklegastendurverWiY;heimiltaWgreiWakostnaWsemfellurtilalltaWturfrslysdegi,   endasuskUrlknisfrWilegorsakatengslmillislyssinsogkostnaWarins.TaliWernauWsyn wO  legtaWsetjatmamrkgreiWsluYessakostnaWarsemnergreiddur;tmabundiW,;hWYv B  hversulangterliWiWfrslysiendaerfittaWstaWreynaorsakasambandmillislyssogkostnaWar    YegarlangterumliWiWfrslysi.:eWlilegtmteljaaWkostnaWursemhlUstafslysumsem   kvWiWtekurtilsgreiddurnYessaWnokkrartakmarkanirsugerWarhvaWvarWartma {  mrk.XverlagttilaWtgjldvegnasjkrakostnaWarsemfallatilinnanfimmrafrslysi nF verWigreiddrslysatryggingumalmannatryggingaeneftirYaWfariaWjafnaWiumrtthins 9 slasaWaeftirkvWumlagaumsjkratryggingar.XessibreytingmundiaWallegasnertaminni  httarslyssemhafaaWjafnaWiekkifrmeWsrmikiltgjldfyrirhinntryggWa.0flestum  tilvikumerutgjldinsemumrWirhlutisjklingsviWheilbrigWisYj;nustu,svosemkomu r gjld,enslkYj;nustaeraWWruleytigreiddafsjkratryggingumsamkvmtgildandilgum e= umsjkratryggingar.X;erlagttilaWheimiltverWiaWgreiWakostnaWhinstryggWarslysa 0 tryggingumalltaWturalvegsrstkumundantekningartilvikum.Hrgtitildmis  veriWumaWrWatilvikYegarumeraWrWaverulegankostnaWsemekkifstgreiddursam  kvmtlgumumsjkratryggingar,tildmistannplanta,plantakr;nureWannurdUrhjlpar i tkisemYurfaendurnUjunarviWoghinnsjkratryggWiYarfsjlfuraWstandastraumaf,enda \4 sorsakasambandlj;st.XannigverWimttYeimtgjldumsemhinntryggWikannaWverWa ' fyrirensjkratryggingargreiWaekkisamkvmtlgumumsjkratryggingar.Xessibreyting  kmiekkiframfyrreneftirfimmrfrgildistkulagannaogYaWeinsvegnanUrraslysa  mla.EkkiergertfyriraWYessibreytinghafimikilhrifviWkomandih;pslysatryggWra `  endatakasjkratryggingartilYesskostnaWarsemumrWirogmeWundanYguheimildinni S+! erunntaWmtaYvefuppkunnaaWkomasrstk;fyrirsWtilvik. "   XerlgWtilnUmlsgrein,5.mgr.,umaWeinungisskuligreiWanauWsynlegansjkra # kostnaWsemverWurtilhrlandinemaannaWleiWiafmillirkjasamningum.X;ergertrW  $ fyriraWgreiWaskulinauWsynlegankostnaWsemtilfellurerlendisefslysverWurYaroghinn !W% slasaWinUturtryggingaverndarviWstrferlendis,sbr.2.mlsl.b-liWar2.mgr.5.gr.eWa3. J""& mlsl.a-liWar1.mgr.6.gr.ErYaWsamrmiviWgildandiframkvmd. #'   Um10.gr. $ ) m  kvWiWerefnislegasamhlj;Wa33.gr.gildandilagaumalmannatryggingar. v%N!*   A&"+   & a  Um11.gr. ( n  EfnislegaerkvWiWaWmestu;breyttfr34.gr.gildandilagaumalmannatryggingar.0  1.mgr.34.gr.ertekiWframaWgreiWa'a(nԀskulirorkulfeyrieftirreglum4.mgr.18.gr.Yeirra  laga.SamsvarandikvWiern15.gr.frumvarpstillagaumlfeyrisrttindialmannatrygg a ingaogflagsleganstuWning.XarsemumeraWrWanUlgumslysatryggingaralmanna T, tryggingaYykirrttaWtilgreinasrstaklegabWifjrhWogaldursmrk.Umtengdar  greiWslurferhinsvegarsamkvmtlgumumlfeyrisrttindialmannatryggingaogflags  leganstuWningogervsaWtilYesskvWinu.HrerumaWrWatekjutryggingu,aldurs   tengdarorkuuppb;toguppbturlfeyrisamkvmtgildandilgumumflagslegaaWstoW,  X enYessarbturgreiWastekkiafslysatryggingumsamkvmtgildandilgum.Barnalfeyrir K #  ogdnarbturgreiWastafturm;tiafslysatryggingum.      XerulagWarerutileftirfarandibreytingarfr34.gr.gildandilaga:      1.mgr.erbreytttilsamrmisviWfrumvarptillagaumlfeyrisrttindialmannatrygginga   ogflagsleganstuWningoggertrWfyriraWsamrmiviWrorkulfeyrisrttindiYeirralaga wO  verWirtturtilslysarorkulfeyrisreiknaWurfr18raaldriogundantekningvegnaaldurs B  1.mgr.34.gr.gildandilagaumalmannatryggingarYvfelldniWur.Xessiundantekningkom    innlginriW2009YegaraldursviWmiWrorkulfeyrisalmannatryggingavarhkkaW18   r.SamkvmtlgrWislgumverWamennlgrWaogfjrrWa18raogertaliWrttaWmiWa {  greiWslurorkulfeyrisviWYaWaldursmarkYannigaW;fjrrWaeinstaklingumsuekki nF greiddarrorkubtur.MeinnigbendaaWrorkustyrkurogrorkulfeyrirsamkvmtgild 9 andialmannatryggingalgumerveittureinstaklingumfr18raaldriogbarnalfeyrirer  greiddurtil18raaldurenY;ekkivegnaYeirrabarnaernj;tarorkulfeyrisogYaWviWum  slysarorkulfeyritilaWkomavegfyrirofgreiWslur.XeruumnnunargreiWslurtilframfr r endafatlaWraoglangveikrabarnasamkvmtlgumumflagslegaaWstoW,nr.99/2007, e= greiddartil18raaldurs.EinniggreiWastsjkradagpeningarsamkvmtlgumumsjkra 0 tryggingar,nr.112/2008,fr18raaldri.XerYaWmeginreglab;tarttaraWekkierugreidd  artvfaldarbturfyrirsamatj;nvegnasamatmabils.MjgfttteraWbrnaldrinum16  til18rahlj;tivaranlegarorkuafvldumb;taskyldraslysa.XverWuraWhafahugaaW i YettakvWihefurekkihriftryggingaverndinasemfjallaWerum6.gr.frumvarpsins.0 \4 YvtilvikiaWbarnyngraen18raverWurfyrirvaranlegrirorkuvegnab;taskyldsslyss ' munulfeyrisbturhinsvegargreiWastfrogmeW18raaldrieftirYbreytingusemhrer  lgWtil.EinnigerbttviWnUjummlsliWYarsemtekiWerframaWtekjurhinsslasaWaskuli  ekkilkkarorkulfeyrisamkvmtYessukvWi.SamsvarandikvWiern2.mlsl.2. `  mgr.34.gr.gildandilagasemlagtertilaWfallibrott. S+!   02.mgr.erlagttilaWviWbtistnUrmlsliWurYarsemheimilaWverWiaWgreiWarorku " btureinulagisamrmiviW4.mgr.hafihinnslasaWiekkiveriWbsetturhrlandier # slysiWttisrstaWoghafiekkiunniWsrrtttillfeyrisgreiWslnasamkvmtlgumumlf  $ eyrisrttindiogflagsleganstuWning.03.mgr.erlagttilaWfelldverWibrottorWin?makaog  !W% enmakabtureruekkigreiddarvegnarorkuheldurerugreiddarbturtilmakattarfr J""& dnardgriskv.35.gr.gildandilaga,sbr.12.gr.frumvarpsins,efumandlteraWrWa #' kjlfarslyss. #(   03.og4.mgr.erlagttilaWnotaWverWihugtakiW?rorka staWinnfyrir?orkutap oger $ ) YaWsamrmiviWhugtakanotkunannarsstaWargreininni.XerlagttilaWorWin?ella v%N!* greiWistlfeyrirhlutfalliviWrorkuna fallibrottYarsemkveWiWerumYaW2.mgr. A&"+   FyrrimlsliWur5.mgr.ersamhlj;Wa6.mgr.34.gr.gildandilagaumalmannatryggingar.  '", 0sWarimlsliWkvWisinserlagttilaWkveWiWverWiumaWhafislasaWureinstaklingurWur '#- fengiWmetnavaranlegalknisfrWilegarorkusamkvmtslysatryggingumalmannatrygg ( inga,sbr.22.gr.,vegnaannarsb;taskyldsslyssskulitakatillittilsamanlagWrarrorku.Xetta  YUWiraWlgmarkrorkutilgreiWslurorkub;tageturveriWfyrirhendigrundvellitveggja  eWafleirirorkumatavegnatveggjaeWafleirislysasemb;taskylderusamkvmtfrumvarp a inu.ErYettasamrmiviWframkvmdsjkratryggingastofnunarogWurTryggingastofnun T, arrkisins.    Um12.gr.   +  kvWiWerefnislegasamhlj;Wa35.gr.gildandilagaumalmannatryggingar.  X   Xerc-liWlagttilaWstaW?barns komiorWiW:afkomandi.XettaergerttilsamrmisviW K #  hkkunlgrWisaldurs18rogaWrorkulfeyrirgreiWistnfr18raaldrienekki16ra    einsogWur,enYessufelastengarefnislegarbreytingarfrnverandiframkvmd.      Um13.gr. wO  i  SamkvmtkvWinuergertrWfyriraWsmureglurogsamkvmtfrumvarpitillagaum B  lfeyrisrttindialmannatryggingaogflagsleganstuWninggildiumb;tarttslysarorkulf    eyrisYegaskv.11.gr.,hvortsemhanndvelstsjkrahsieWafangelsi.ErYaWsamrmi   viWframkvmdinadag,sbr.lgumalmannatryggingar.XettaYUWiraWsmureglurgilda {  umniWurfellingub;taogrtttilrWstfunarfjr. nF   Um14.gr.    kvWiWerbyggt28.gr.gildandilagaumalmannatryggingar,enY;erulagWartiltvr  efnisbreytingar. r   01.mgr.erlagttilaWhlutverklgreglustj;raeWaumboWsmannshanssemaWalviWtakanda e= tilkynningarumvinnuslysfyrirhndsjkratryggingastofnunarverWifelltniWurtilsamrmis 0 viWbreyttaframkvmd,entilkynningarnarhafaumrabilveriWsendarbeinttilsjkratrygg  ingastofnunareWaumboWa(Yj;nustustWva)stofnunarinnar.    02.mgr.erlagttilaWsettverWiYaWskilyrWiaWYegartilkynningarumslysberastaWliWn i umeinsrstilkynningarfrestinumsemkveWiWerumkvWinuskulilknisfrWilegor \4 sakatengslveralj;smillislyssinsogeinkennahinsslasaWa.ErYettatilsamrmisviWkvWi ' 3.gr.reglugerWarnr.356/2005ogratugaframkvmd.XereinniglagttilaWkveWiWverWi  umturahmarksfresttilaWtilkynnaumslys,sbr.einnig3.gr.WurnefndrarreglugerWar.    Um15.gr. S+! K  kvWiWsemfjallarumupplUsingaskylduumskjendaerefnislegasamhlj;Wa91.gr. " frumvarpitillagaumlfeyrisrttindialmannatryggingaogflagsleganstuWning,sbr.einnig # 52.gr.gildandilagaumalmannatryggingar.VegnaeWlisb;taslysatryggingaalmannatrygg  $ ingaeruhrY;ekkigerWarkrfurumtilkynningub;taYegabreytingumumtekjurenhug !W% takiWbturernotaWumallargreiWslurslysatrygginganna. J""&   Um16.gr. #( ̓  kvWiWerbyggt92.gr.frumvarpitillagaumlfeyrisrttindialmannatryggingaog $ ) flagsleganstuWningogerefnislegasamhlj;Wa3.mlsl.2.mgr.52.gr.gildandilagaum v%N!* almannatryggingar.VegnaeWlisb;taslysatryggingaalmannatryggingaerhraWaukikveWiW A&"+ umflunupplUsingaumgreiWsluropinberragjaldaenekkiertalinYrfupplUsingumum  '", greiWslurfrlfeyrissj;Wum.OftgeturveriW;lj;sthvortgreiWaeigidagpeningaeWaaflahlut '#- sj;mannatilvinnuveitandaeWatilhinsslasaWa,sbr.4.mgr.10.gr.frumvarpsinsog33.gr. ( gildandilagaumalmannatryggingar.XessaraupplUsingaerYv;skaWfrhinumslasaWa,en  tilstaWfestingargetursjkratryggingastofnuninYurftaWgangaWupplUsingunumfrskattyfir  vldum.XaWauWveldareinnigafgreiWslumlavarWandikvrWunumhvorteinstaklingurtelj a isthafaveriWvinnuYegarslysvarW.XerlitiWreiknaWendurgjaldoggreiWsluropinberra T, gjaldasemhlutaafsnnunYessaWslyshafiorWiWviWvinnu,nYessaWYaWsY;fortakslaust  skilyrWib;tarttar,sbr.einnigumfjllunumtillguaWnUrri4.mgr.6.gr.frumvarpsins.    Um17.gr.  X &  kvWiWersamhlj;Wa93.gr.frumvarpitillagaumumlfeyrisrttindialmannatrygginga K #  ogflagsleganstuWning,sbr.einnig3.mgr.52.gr.gildandilagaumalmannatryggingar.      Um18.gr.   [  kvWiWersamhlj;Wa94.gr.frumvarpitillagaumlfeyrisrttindialmannatryggingaog wO  flagsleganstuWning,sbr.5.mgr.52.gr.gildandilagaumalmannatryggingar.Hrer,auk B  afritarsjkraskrogannarralknisfrWilegragagna,semliggjafyrirhjheilbrigWisstarfs    mnnum,ttviWvottorWumstandhinsslasaWa.     Um19.gr. nF \  kvWiWerbyggt95.gr.frumvarpitillagaumlfeyrisrttindialmannatryggingaog 9 flagsleganstuWning.VegnaeWlisb;taslysatryggingaalmannatryggingaerekkigerWtillaga  umupplUsingarfreinsmrgumstofnunumoggerterYvfrumvarpienm;tier;skaW  upplUsingafrvtryggingaflgumvegnatengslaslysatryggingaalmannatryggingaviWv r tryggingar.GerterrWfyriraWekkis;skaWupplUsingaumframYaWsemnauWsynlegtertil e= aWunntsaWframfylgjalgunum.MikilvgteraWhafaYagnarskyldustarfsmannastofnunar 0 innarhugaogrttaWaWviWmeWferWpers;nuupplUsingasemaflaWerskulistofnuningta  YessaWuppfylltsuskilyrWilagaumpers;nuverndogmeWferWpers;nuupplUsinga,sbr.einn  ig33.og34.gr.frumvarpsins. i   Um20.gr. ' ˡ  kvWiWersamhlj;Wa97.gr.frumvarpitillagaumlfeyrisrttindialmannatryggingaog  flagsleganstuWning,sbr.einnig53.og55.gr.gildandilagaumalmannatryggingar.    Um21.gr. S+!   1.og2.mgr.eruaWmestuleytisamhlj;Wa1.og2.mgr.53.gr.gildandilagaumalmanna " tryggingar.X;er1.mgr.lagttilaWkveWiWverWiumaWmnaWarlegarbturslysatrygginga # almannatryggingareiknistfrfyrstadeginstamnaWareftiraWb;tartturerfyrirhendiog  $ falliniWurlokYessmnaWarerb;tarttilUkur.ErYettasamrmiviWframkvmdina.02. !W% mgr.erugerWarltilshttarorWalagsbreytingarmeWtillititilYessaWverWifrumvarpiWaWlg J""& ummunisrstklggildaumslysatryggingaralmannatrygginga.XertekiWframaWum #' fyrninguslysarorkulfeyrisfarisamkvmtfyrningarlgum,sbr.6.gr.lagaumfyrningu #( krfurttinda,nr.150/2007,YarsemfyrningernkveWintur. $ )   3.mgr.ersamhlj;Wa2.mgr.54.gr.og4.mgr.ersamhlj;Wa3.mgr.53.gr.gildandial v%N!* mannatryggingalaga. A&"+    '", & a    Um22.gr. (   HrergerWtillagaumnUjagreinYarsemfyrstaskiptiergerWgreinfyrirYvhvers  konarrorkumativaranlegrorkaslysatryggingaalmannatryggingabyggist.'a(    VaranlegrorkaslysatryggingaermetinsamkvmtlknisfrWilegumatiogkallast a varanleglknisfrWilegrorka.ErYarmetintilhundraWshlutavaranlegskerWinglkamlegri T, ogeftiratvikumandlegrifrnieinstaklingasemorWiWhafafyrirlkamstj;ni.Allirerumetnir  tfrsmuforsendumogekkitekiWtillittilmenntunar,starfseWahugamlaviWmatiW.Skal  hrm.a.vsaWtilgreinarumrorkumatTmaritilgfrWinga,2.hefti1972.     MatvaranlegrilknisfrWilegrirorkuslysatryggingaerfyrstogfremstbyggtmiska  X tflurorkunefndar,semstarfargrundvelli10.gr.skaWab;talaga,nr.50/1993(4; W  5  sj: K #  www.innanrikisraduneyti.is/raduneyti/nefndir/fastanefndir/nr/3906eWy#  7krg).FyrirgeturkomiWaWekki    sgetiWumverkahinsslasaWatflunni.0YeimtilvikumeruverkarmetnirmeWhliWsj;n    afsvipuWumverkumtflunniogtilhliWsj;narhafWarmiskatflurannarralandasemgetiW   erumhliWsj;narritummiskatflurorkunefndar.HrmnefnadnskumiskatflunaMn wO  tabel,gefintafArbejdsskadestyrelsenriW2012,snskumiskatflunaMedicinskinvalidi B  tet,gefintafSverigesFrskringsfrbund2004ogritbandarskulknasamtakannaGuides    totheEvaluationofPermanentImpairment,5.tgfa,AmericanMedicalAssociation2001   (eWanUrritgfureftiratvikum). {    XerhmarkvaranlegrarlknisfrWilegrarrorku100%hvortsemumeraWrWaafleiW nF ingarannarsvegareinstiltekinsslyssYegarumeinneWafleiriverkaeraWrWaeWahins 9 vegarYegarumeraWrWauppsafnaWarorkuvegnaafleiWingamargrab;taskyldraslysa.ViW  samlagningurorkustigaeraWjafnaWistuWstviWYmeginreglusemframkemurfyrrnefnd  umhliWsj;narritum,enhennifelstaWYegarleggjaskalsamanmatafleiWingumslyssAviW r afleiWingarslyssBernotuWformlanA%+B%x((100-A%)/100). e=   03.mgr.erlagttilaWsjkratryggingastofnunverWiheimiltaWsemjaviWlknautanstofn 0 unarinnarumverkagreininguogmatrorkuumskjenda.    04.mgr.ergertrWfyriraWrWherragetisettreglugerWYarsemnnarskveWiWum  framkvmdrorkumats. i   Um23.gr. '   kvWiWersamhlj;Wa36.gr.gildandilagaumsjkratryggingar,nr.112/2008.    Um24.gr. `    kvWiWerefnislegasamhlj;Wa72.gr.frumvarpitillagaumlfeyrisrttindialmanna S+! tryggingaogflagsleganstuWning,sbr.50.gr.gildandilagaumalmannatryggingar. "   Um25.gr.  $   kvWiWerefnislegasamhlj;Wa27.gr.frumvarpitillagaumlfeyrisrttindialmanna !W% tryggingaogflagsleganstuWning,sbr.51.gr.gildandilagaumalmannatryggingar. J""&   Um26.gr. #( "  kvWiWerefnislegasamhlj;Wa57.gr.gildandilagaumalmannatryggingar,enhugtakiW $ ) kyrrsetningkemurstaWeldrahugtaks,lghalds. v%N!*   A&"+ & ,    Um27.gr. ( e  kvWiWers;tt55.gr.gildandilagaumalmannatryggingar,aWundanskildum2.og3.  mlsl.2.mgr.semfjallaumvextivangreiddarbtur,semerusamhlj;Wa2.mgr.77.gr.  frumvarpitillagaumlfeyrisrttindialmannatryggingaogflagsleganstuWning.',(O a   Um28.gr.    kvWiWersamhlj;Wa36.gr.gildandilagaumalmannatryggingar.    Um29.gr.  X Ż  kvWiWersamhlj;Wa59.og60.gr.gildandilagaumalmannatryggingar. 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