If your situation changes?

Sick or incapacitated for work

If you are sick for a long period, this can result in incapacity for work. In addition to physical or psychological symptoms, this may also have consequences for your income and pension.

1. You are sick.

If you are still employed, you will continue to receive income from your employer for the first two years that you are sick. After this, you may be eligible for a benefit from the UWV (Employee Insurance Agency).

2. You are fully and permanently incapacitated for work.

What has been arranged?

If you have been sick for longer than two years, you may be declared fully and permanently incapacitated for work. You will then be dismissed for health reasons and receive a full invalidity (IVA) benefit. This benefit is part of the Work and Income (Fitness for Work) Act (WIA).

Pension for later

If you were a member of the Plus Scheme when you became incapacitated for work, you will continue to accrue pension at Flexsecurity Pensioen from the start of the WIA benefit. You do not need to pay any contributions for this purpose. Once you reach the standard retirement age of 67, you can purchase retirement pension with your pension capital. If you die, there is partner’s pension for your partner or orphans’ pension for your children.

If you were a member of the Basic Scheme when you became incapacitated for work, the accrual of pension capital at Flexsecurity Pension will cease. Once you reach the standard retirement age of 67, you can purchase retirement pension with the pension capital that you accrued until you became incapacitated for work. If you die, there is partner’s pension for your partner or orphans’ pension for your children.

Check which scheme applies to you.

What do you need to do?

You do not need to give us any information regarding your situation. We receive information from the UWV.

What else can you do?

You can take out WIA top-up insurance through an insurer.

3. You are partially incapacitated or not permanently incapacitated for work.

What has been arranged?

If you have been sick for longer than two years, you may be declared partially incapacitated for work. Two situations may then arise:

  1. You are less than 35% incapacitated for work.
  2. You are 35% - 80% incapacitated or you are fully but not permanently incapacitated for work.
  1. Less than 35% incapacitated for work

    UWV has determined that you are less than 35% incapacitated for work. The intention is then for your employer to offer you suitable employment. You accrue pension capital only on the percentage that you work.

  2. 35% - 80% incapacitated or not permanently incapacitated for work

    If the UWV has determined that you are 35% - 80% incapacitated, or that you are fully but not permanently incapacitated for work, the Return to Work (Partially Disabled Persons) Regulations (WGA) apply to you. The WGA benefit is part of the Work and Income (Fitness for Work) Act (WIA).

    As a member of the Plus Scheme, you also continue to accrue pension capital on the percentage that you are incapacitated for work. You do not pay any contribution on this percentage. As a member of the Basic Scheme, you only accrue pension capital on the percentage that you work.

    Check which scheme applies to you.

What do you need to do?

You do not need to give us any information regarding your situation. We receive information from the UWV.

What else can you do?

You can take out WGA top-up insurance through an insurer. More information in this regard can be obtained from your employer.

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