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A&"+    '",   & ,  18L  M  .gr. ( L  M  SjkrahsYj;nusta.  qL  M   y SjkratryggingL  M  arL  M  ԀtL  M  aL  M  kL  M  aL  M  Ԁtil;keypisvistaraWrWilknissjkrahsumL  M  Ԁsemrekineruaf  rkinueWasamkvmtsamningumskv.IV.',(qkaflaL  M  ,Y.m.t.fWingarstofnunum,sbr.Y;L  M  23L  M  .gr. a eWakvWisrlaga.SjkrahsvistskaltryggWeinslengiognauWsynkrefursamtlknishjlp T, oglyfjumogannarriYj;nustusemsjkrahsiWveitir.   y EnnfremurtL  M  aL  M  kL  M  aL  M  ԀsjkratryggingL  M  arL  M  ԀtilalmennrarogsrhfWrarYj;nustusemveitter  gngudeildum,dagdeildum,slysadeildumogbrWam;ttkumsjkrahsanYessaWum   innlgnsjkrahssaWrWa.  X  y RWherraerheimiltaWsetjareglugerWumnnariframkvmdgreinarinnar.L  M   K #  L  M    L  M  19.gr.    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B   y SjkratryggingastofnuninkvarWarL  M  hvortskilyrWierufyrirhendiL  M  ԀsamkvmtYessarigreinL  M      oghvarsjkratryggWurskulinj;tameWferWarerlendis.L  M  ԀL  M  NvelursjkratryggWurmeWferW   WrumogdUraristaWerlendisenL  M  stofnuninL  M  ԀhefurkveWiWoggreiWL  M  aL  M  ԀsL  M  jkratryggingarL  M  ԀY {  aWeinsYannkostnaWsemgreiWahefWittYeimstaWsemhnkvaW.L  M  ԀAflaskal nF greiWsluheimildarfrsjkratryggingastofnuninnifyrirfram. 9  y RWherrasL  M  etL  M  urL  M  ԀreglugerWumnnariframkvmdL  M  greinarinnarogaWralknismeWferW  erlendissemekkifellurundir33.gr.,m.a.Yegarmillirkjasamningarsem0slanderaWiliaW  eigaviWL  M  . r L  M    L  M  24.gr. 0 L  M  HeilbrigWisYj;nustahjkrunarrUmum.L  M    L  M   y SjkratryggingtekurtilheilbrigWisYj;nustusemveitterhjkrunarrUmumsjkrahsaog  hjkrunarrUmumldrunarstofnanaoghjkrunarheimilasamkvmtsamningum,sbr.IV. i kafla.SkilyrWieraWmatYrfsjkratryggWsfyrirYj;nustunaL  M  ԀL  M  hafifariWL  M  ԀL  M  framsamkvmt \4 lgumumheilbrigWisYj;nustu. '  y RWherraerheimiltaWsetjareglugerWumnnariframkvmdgreinarinnar.  L  M    L  M  25.gr. `  L  M  Lyf. S+!   y L  M  SjkratryggingtekurtilnauWsynlegralyfjasemhafamarkaWsleyfihrlandiogkveWiW " hefurveriWaWsjkratryggingartakiYttaWgreiWa,L  M  sbr.L  M  lyfjalgL  M  .L  M   #  y RWherraerheimiltaWsetjareglugerWumnnariframkvmdgreinarinnarYarsemm.a.  $ erheimiltaWkveWaumgreiWsluYtttkusjkratryggingaundantekningartilvikumviWkaup !W% lyfjumsemekkihafamarkaWsleyfihrlandi,sbr.lyfjalg.L  M   J""& L  M    L  M  26.gr. #( L  M  Hjlpartki.L  M   $ ) \L  M   y SjkratryggingartakaYttkostnaWiviWflunnauWsynlegrahjlpartkjasemerutil v%N!* lengrinotkunarenYriggjamnaWaL  M  ,L  M  ԀmeWtakmrkunumogsamkvmtnnarikvWum A&"+ reglugerWarsemrWherrasetur.0reglugerWinniskalm.a.kveWiWumhvaWahjlpartki  '",  sjkratryggingartakaYttaWgreiWaogaWhvemikluleyti. '#- &     y HjlpartkiertkisemtlaWeraWdragarftlun,aWstoWafatlaWaviWaWtakastviW ( umhverfisitt,aukaeWaviWhaldafrniogsjlfsbjargargetueWaauWveldaumnnun.  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L  M    L  M  29.gr. S+! L  M  Gjaldtaka.L  M   "  y L  M  FyrireftirtaldaheilbrigWisYj;nustuL  M  ԀogaWstoWL  M  ԀsemsjkratrygL  M  gWireinstaklingareigartt # L  M  L  M  grundvellilagaL  M  ԀL  M  eWasamningaerheimiltaWtakagjaldsamkvmtreglugerWsemrWherra  $ setur:L  M   !W% / /"A0J"  A0J y2%  1  .3  Ԉ0    L  M  HeilsugslusemsinnterheilsugslustWvumogvitjanirheilsugslulknaL  M  ,sbr.1. J""& mgr.17.grL  M  .L  M  ԀGjaldiWnrm.a.tilL  M  kostnaWarviWinnritunL  M  ԀogL  M  ԀaWstWuL  M  ԀogL  M  ԀL  M  kostnaWarL  M  Ԁvegna #' lknisYj;nustuogYj;nustuannarraheilbrigWisstarfsmannaL  M  .JafnframterheimiltaWtaka #( L  M  gjaldvegnaL  M  b;lusetningar,ranns;knaL  M  ,krabbameinsleitarL  M  ԀogforeldrafrWsluL  M  .EkkierY; $ ) heimiltaWtakagjaldfyrirmWraogungbarnavernd,heilsugslusk;lumoghjkrun v%N!* heimahsumL  M  .L  M  GL  M  jaldfyrirYj;nustuskalveralgrahjldruWum,ryrkjumogbrnumL  M   A&"+ oggL  M  jaldfyrirYj;nustuutandagvinnutmaL  M  mL  M  ԀverahrraenfyrirYj;nustu  '", dagvinnutmaL  M  .A0J݌'#-   Ќ  "A0J"  A0Jǵ y2%  2  .3  Ԉ0    L  M  AlmennaogsrhfWaheilbrigWisYj;nustugngudeild,dagdeild,slysadeildog (z$. brWam;ttkusjkrahsasemveitternYessaWuminnlgnsjkrahssaWrWaL  M  ,sbr. ( 2.mgr.18.grL  M  .L  M  ԀGjaldiWnrm.a.tilL  M  kostnaWarviWinnritunL  M  ԀogL  M  ԀaWstWuL  M  ԀogL  M  ԀL  M  kostnaWarL  M  Ԁvegna  lknisYj;nustuogYj;nustuannarraheilbrigWisstarfsmannaL  M  .EkkierY;heimiltaWtaka  gjaldfyrirmWraogungbarnavernd.L  M  ԀL  M  GjaldfyrirYj;nustuskalveralgrahjldruWum, a ryrkjumogbrnum.L  M  GjaldfyrirYj;nustusrfrWilknageturveriWhlutfallsgjaldog T, mtiltakahmarkYessreglugerW.L  M  A0Jǵ݌   Ќ  "A0J"  A0J y2%  3  .3  Ԉ0    L  M  Xj;nustusjlfstttstarfandiheilbrigWisstarfsmannaL  M  ogfyrirtkjaYeirra,sbrL  M  .2.mgr.1L  M  7L  M  .  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  X lj;sm;WurviWfWinguheimahsum.GjaldL  M  ԀfyrirYj;nustuL  M  ԀgeturveriWhlutfallsgjaldog K #  mtiltakahmarkYessreglugerW.L  M  ԀGjaldiWskalveralgrahjldruWum,ryrkjumog    brnumoggjaldfyrirYj;nustuskv.2.mgr.17.gr.utandagvinnutmamverahrraen    fyrirYj;nustudagvinnutma.A0J݌    Ќ  "A0J"  A0Ju y2%  4  .3  Ԉ0    L  M  L  M  Ranns;knir,geislaogmyndgreiningarL  M  ԀsemframkvmdarerusjkrahsumeWahj wO  sjlfstttstarfandiheilbrigWisstarfsmnnumeWafyrirtkjumYeirraogsamiWhefurveriW B  umsamkvmtkvWumIV.kafla,sbr.2.mgr.18.gr.og19.grL  M  .GjaldiWgeturveriW    hlutfallsgjaldogmtiltakahmarkYessreglugerW.L  M  ԀGjaldfyrirYj;nustunaskalvera   lgrahjldruWum,ryrkjumogbrnum.A0Ju݌{    Ќ  "A0J"  A0J y2%  5  .3  Ԉ0    L  M  BtgfulL  M  knisvottorWL  M  aheilsugsluogsjkrahsum.A0J݌nF   Ќ  "A0J"  A0J y2%  6  .3  Ԉ0    L  M  Lyf,sbr.25.gr.L  M  ԀEkkierY;heimiltaWtakagjaldfyrirlyfsemsjkratryggWumer 9 lfsnauWsynlegtaWnotaaWstaWaldri.L  M  GjaldfyrirlyfgeturveriWhlutfallsgjaldogm  tiltakahmarkYessreglugerW.L  M  SheildarverWlyfsjafnL  M  tL  M  ԀeWalgraenL  M  gjaldiWsemgreiWa  skalgreiWirsjkratryggWurlyfiWaWfulluL  M  .L  M  Ԁ0reglugerWmtiltakahmarkeininga r lyfjavsunum.A0J.݌e=   Ќ  "A0J"  A0J y2%  7  .3  Ԉ0    L  M  L  M  SjkraflutningaL  M  ,sbr.28.gr.A0J݌0   Ќ   y L  M  XeirsemekkierusjkratryggWirhrlandisamkvmtlgumL  M  YessumL  M  ԀskulugreiWagjald  semnemurkostnaWiviWveittaheilbrigWisYj;nustusamrmiviWL  M  reglugerWL  M  ԀsemrWherra  setur,nemagildissamningurumYj;nustunaviWYaWrkisemYeirkomafr.L  M   i  y L  M  XeimheilbrigWisstofnunumsemfengiWhafaheimildrWherratilaWveita;sjkratryggWum \4 einstaklingumheilbrigWisYj;nustueinkarttarlegumL  M  grundvelliL  M  ԀsamkvmtL  M  ԀL  M  lgumum ' heilbrigWisYj;nustuL  M  ԀerheimiltaWtakahrragjaldfyrirYj;nustunaennemurkostnaWiaf  veitinguhennar.L  M  XettaviWnemaannaWleiWiafsamningumsemgildieruumYj;nustuna  viWYaWrkisemhinn;sjkratryggWieinstaklingurkemurfr.L  M   `   y L  M  UmgjaldtkufyrirheilbrigWisYj;nustuferaWWruleytieftirkvWumsrlagaeftirYv S+! semviW.L  M   " L  M    L  M  C.GreiWslurpeningum.  $ 30.gr. !W% L  M  FerWakostnaWur.L  M   J""& L  M   y SjkratryggingartakaYtt;L  M  hjkvmilegL  M  umL  M  ԀferWakostnaWL  M  iL  M  ԀmeWtakmrkunumogeftir #' kvWumreglugerWarsemrWherraseturfyrirsjkratryggWasemYarfnasttrekaWrar #( meWferWarhjlknieWasjkrahsimeWeWaninnlagnL  M  aL  M  r.L  M   $ )  y RWherraerheimiltreglugerWaWkveWafrekarikostnaWarYtttkusjkratrygginga v%N!* ferWakostnaWienmlterfyrirum1.mgr. A&"+  L  M    '",   &   31.gr. ( L  M  DvalarkostnaWur.L  M    } y L  M  SjkratryggingartakaYttL  M  ԀL  M  ;L  M  hjkvmilegL  M  umL  M  ԀdvalarkostnaWL  M  iL  M  ԀannarsforeldrisviW  sjkrahsinnlgnbarnsyngraen18rafjarriheimiliL  M  ,L  M  ԀL  M  meWtakmrkunumogeftirkvWum a reglugerWarsemrWherrasetur.L  M  EfumeraWrWa'(erfiWameWferWviWlfshttulL  M  egum T, sjkd;mimkveWaaWL  M  ԀgreiWslL  M  uYtttakaL  M  Ԁnitilbeggjaforeldrabarnsundir18raaldri.L  M    L  M    L  M  32.gr.   L  M  Sjkradagpeningar.L  M    X L  M   y SjkratryggingargreiWasjkradagpeningaefsjkratryggWursemorWinnL  M  er18raogL  M  ԀnUtur K #  ekkiellilfeyrisL  M  ,L  M  ԀrorkulfeyrisL  M  ԀeWarorkustyrksalmannatryggingaL  M  ԀverWuralgerlega    ;vinnufr,endaleggihannniWurvinnuoglaunatekjurfalliniWursumYraWrWa.L  M      SjkradagpeningargreiWastekkifyrirsamatmabilogslysadagpeningarsamkvmt   slysatryggingumalmannatrygginga,nheldurfyrirsamatmabiloggreiWslursamkvmt wO  lgumumfWingarogforeldraorlof. B   y SjkratryggWirnj;tasjkradagpeningafrogmeW15.veikindadegisuYeir;vinnufrir    a.m.k.21dag.L  M  ԀUpphafbiWtmansmiWastviWYanndagsem;vinnufrnierstaWfestaflkni.   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(z$.  y BtursamkvmtYessarigreinskulubreytastrlegasamrmiviWfjrlghverjusinni. ( RWherraseturreglugerWumhkkunb;ta.    & , 33.gr. a L  M  SjkrakostnaWurvegnaveikindaogslysaerlendis.L  M   T, L  M   y NersjkratryggWumL  M  ԀL  M  nauWsynaWleitasrlkningaYarsemhannerstaddurerlendisog  greiWL  M  aYsjkratryggingarL  M  ԀkostnaWafYv',einsogumlkniL  M  shjlpinnanlandsvriaWrWa.L  M    L  M  XettanrY;ekkitilYeirrasemsamkvmtmillirkjasamningumWlastrtttilsjkrahjlpar   WrulandivegnadvalarYaraWYvervarWarYL  M  aWstoWL  M  Ԁsemsamningarnirfjallaum.L  M    X  y L  M  NersjkratryggWumnauWsynaWleitasrlkningaYarsemhannerstaddurerlendis K #  aWildarrkiEESsamningsinsogskuluYsjkratryggingargreiWakostnaWafYvsamkvmt    reglumEESsamningsinssviWialmannatrygginga.L  M       y SjkratryggingarskulueinniggreiWaYannkostnaWsemhlUstafYvaWsjkratryggWums   nauWsynaWleitasrlkningaYegarhannerstadduraWildarrkistofnsamnings wO  FrverslunarsamtakaEvr;pu. B   y RWherraseturreglugerWumframkvmdgreinarinnar,m.a.umaWhvaWamarki    sjkratryggingumerheimiltaWendurgreiWaL  M  sjkratryggWumL  M  kostnaWvegnaveikindaeWa   slysserlendissemhannfengiellaekkiendurgreiddanfrL  M  sjkratryggingumL  M  .L  M   {  L  M    L  M  D.Ums;knirumbtur,mlsmeWferWo.fl. 9 34.gr.  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( L  M  kvarWanirumbtur.L  M    L  M   y Allarums;knirskuluL  M  afgreiddarL  M  Ԁsvoflj;ttsemkosturerogskulubturreiknaWarfrYeim  degisemumskjandinnhefuruppfylltskilyrWintilb;tanna.L  M   a '( y L  M  &  BturskulualdreikvarWaWarlengraafturtmannenL  M  tvrL  M  ԀfrYvaWums;knogL  M  /eWaL  M   T, nnurggnsemnauWsynlegerutilaWunnt'TsaWtakakvrWunumb;tarttogfjrhWb;ta  beraststofnuninni.X;skulusL  M  jkradagpeningaraWjafnaWieigikvarWaWirlengraaftur  tmannentvomnuWi,ensjkratryggingastofnunL  M  inniL  M  ԀerheimiltaWlengjaYettatmabilallt   aWsexmnuWitilvikumYarsemb;tarttureraWWruleyti;tvrWur.L  M    X  y LaunYegar,semmillirkjasamningartakatil,semleggjaniWurlaunuWstrfogfaraaflandi K #  brottgetahaldiWrttitilsjkradagpeningaaWWrumskilyrWumuppfylltumalltaWtvo    mnuWieftiraWstrfumhrlandilUkur.SkilyrWieraWYeirhafiekkihafiWstrfWrurki    sem0slandhefurgertsamningviW.    y kvarWaWarbturfallaniWurefYreruekkis;ttarinnant;lfmnaWa,enkvarWam wO  bturnUefrkstuddums;knberst. B   y L  M  Grundvllb;tarttarmendurskoWahvenrsemerogsamrmabturYeimbreytingum    semorWiWhafa.L  M       36.gr. nF L  M  Stj;rnsUslukrur.L  M   9 @ L  M   y Rsigreiningurumgrundvll,skilyrWieWaupphWb;tasamkvmtYessumL  M  ԀkaflaL  M  Ԁer  heimiltaWkrakvrWunsjkratryggingastofnunarinnartilrskurWarnefndar  almannatryggingasamkvmtlgumumalmannatryggingar. r  y KratilrskurWarnefndaralmannatryggingaskalveraskriflegogskalhnborinfram e= innanYriggjamnaWafrYvaWilamlsvartilkynntumkvrWun.skrifstofum 0 sjkratryggingastofnunarinnarskululiggjaframmieyWublWYessuskyniogveita  starfsmennstofnunarinnarnauWsynlegaaWstoWviWtfyllinguYeirra.   y Sjkratryggingastofnuninskalltanefndinnitllggnmls,svoogYrupplUsingar i ogskUringarernefndintelurYrf. \4  y SjkratryggingastofnuningeturhfWaWd;msmltilaWfhnekktrskurWi ' rskurWarnefndaralmannatrygginga.  L  M    L  M  37.gr. `  L  M  OfgreiWslurogvangreiWslurb;ta.L  M   S+! L  M   y HafiL  M  sjkratL  M  ryggingastofnunL  M  inL  M  ԀofgreittbtursamkvmtlgumYessumskalstofnunin " dragaofgreiddarbturfrb;tumsemL  M  viWtakandikannsWaraWWlastrtttilL  M  .L  M  ԀEinnig # stofnunL  M  inL  M  ԀendurkrfurtthendurL  M  viWtakandaL  M  Ԁsamkvmtalmennumreglum.L  M  ԀEfL  M  ԀL  M  ofL  M  greiWsla  $ L  M  stafL  M  arafsviksamleguatferliL  M  viWtakandaL  M  ԀskalhanngreiWadrttarvextiYfjrhWogreiknast !W% YeirfrYeimtmasemendurkrfurtturstofnast.L  M   J""&  y L  M  HafiL  M  sjkratL  M  ryggingastofnunL  M  inL  M  ԀvangreittbturskalstofnuningreiWaL  M  viWtakandaL  M  ԀYaWsem #' uppvantar.L  M   #(  y RWherraerhL  M  eimiltaWsetjareglugerWumnnariframkvmdgreinarinnar,L  M  m.a.L  M  Ԁum $ ) innheimtuofgreiddumb;tum,undanYgurfrinnheimtuofgreiddrab;taogafskriftir v%N!* krafna. A&"+  L  M    '",   & ,  38.gr. ( L  M  SamningarumheilbrigWisYj;nustuekkifyrirhendi.L  M    L  M   y SusamningarumheilbrigWisYj;nustuekkifyrirhendi,sbr.IV.kafla,ersrstkum  tilfellumheimilttmabundiWaWendurgreiWa',(sjkratryggWumtlagWankostnaWvegna a heilbrigWisYj;nustugrundvelligjaldskrrsemsjkratryggingastofnuningefurt. T,  y &  RWherraseturreglugerWumnnariframkvmdgreinarinnar,m.a.umtmalengd  heimildarinnarogskilyrWifyrirendurgreiWslu.'3    L  M  IV.KAFLI  X L  M  SamningarumheilbrigWisYj;nustu.L  M   K #   L  M  39.gr.    L  M  SamningsumboW.L  M      L  M   y SjkratryggingastofnuninannastsamningsgerWumveitinguheilbrigWisYj;nustuog   aWstoWarsamkvmtlgumYessum,lgumumheilbrigWisYj;nustuogWrumlgum,ogum wO  endurgjaldrkisinsvegnahennar. B   y SjkratryggingastofnuningerirsamningaviWheilbrigWisstofnanir,sbr.lgum    heilbrigWisYj;nustu,sveitarflg,sjlfseignarstofnanir,fyrirtkiogeinstaklingaumveitingu   heilbrigWisYj;nustuoggreiWirYeimendurgjaldsamrmiviWkvWisamninganna. {    L  M  40.gr. 9 L  M  SamningarumheilbrigWisYj;nustu.L  M    L  M   y SamningarumheilbrigWisYj;nustuskulugerWirsamrmiviWstefnumrkunskv.2.gr.,  m.a.umskipulagheilbrigWisYj;nustu,forgangsrWunverkefnainnanhennar,hagkvmniog r gWiYj;nustunnarogaWgengiaWhenni.ViWsamningsgerWskalhafahagsmuni e= sjkratryggWraaWleiWarlj;si.ForsendasamningsgerWareraWfyrirliggistaWfesting 0 landlknisYvhvortrekstureWafyrirhugaWurreksturheilbrigWisYj;nustuuppfyllifaglegar  krfurognnurskilyrWiheilbrigWislggjf,sbr.lgumheilbrigWisYj;nustuoglgum  landlkni. i  y Samningarskulum.a.kveWaummagn,tegundoggWiYj;nustu,hvarhnskuliveittog \4 afhverjum,samtendurgjalditilveitandaogeftirlitimeWframkvmdsamnings.0 ' samningumskuluverakvWiumkrfurtilveitendaYj;nustu,m.a.umhfni,Yj;nustusvWi  ogYj;nustustig.ViWsamningsgerWskaltryggjaaWgengisjkratryggWraaWYeirri  heilbrigWisYj;nustusemsamiWerum;hWefnahag.JafnframtskalleitastviWaWtryggja `  Yj;nustuviWsjkratryggWahvarlandinusemYeirerubsettirogaWveitendurYj;nustugti S+! 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" L  M    L  M  53.gr.  $ L  M  Millirkjasamningarumsjkratryggingar.L  M   !W% AkL  M   y Xegarmillirkjasamningarsem0slanderaWiliaWkveWaumgagnkvmrttinditil J""& sjkratryggingaskuluYeirsemeigaaWfallaundirslenskalggjfsamkvmtkvWum #' samningannaWlastrttindisamkvmtlgumYessum. #(  y SjkratryggingastofnuningreiWirkostnaWsamkvmtmillirkjasamningumafaWstoWviW $ ) Ysemnj;tarttarsamkvmtsamningunumogdveljasthrlandiumstundarsakir. v%N!*  y RWherraseturreglugerWumnnariframkvmdgreinarinnar,m.a.umheimildtilaWdraga A&"+ frb;tumsamkvmtlgumYessumbtursamkvmterlendrilggjffyrirsamatmabilog  '", bturerugreiddarfyrirhrlandi. '#- L  M   (z$.   & , 5L  M  4L  M  .gr. ( L  M  KostnaWurviWsjkratryggingar.  o y L  M  KostnaWurviWsjkratryggingargreiWistrrkissj;Wi,aWYvmarkisemkveWiWer  samkvmtlgumYessumeWasrlgumogreglugerWum',(osettummeWstoWYeim.rleg a heildartgjldsjkratryggingaskuluverasamrmiviWkvrWunAlYingissamkvmt T, fjrlgumogfjraukalgumhversrs.  L  M    55.gr.   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