Work and income: financial

If you are employed and receive a WIA benefit, there may be financial supplements. This depends on your employer's supplementary insurance policies. You can see this on your payslip or ask your employer. Consult your HR advisor regarding which schemes are available to supplement your income.

• WGA gap insurance
  The WGA gap insurance provides a supplement to the WGA follow-up benefit. There are various variants with extensive or less extensive coverage. Inquire about the policy conditions.
• WIA basic insurance
  For people who are less than 35 percent disabled. If you find a new position where you earn less, this insurance covers (part of) the difference between your old and new salary for a number of years.
• WIA excess insurance
  This insurance provides an income supplement for employees who earn more than the maximum WIA annual salary. In some other cases, WIA excess insurance also offers a supplement to the WIA benefit. Inquire about the policy conditions.
• PAWW insurance (Private Supplement to Unemployment & Disability Benefits)
  This is insurance against long-term unemployment or disability. The insurance provides supplementary income after the end of an unemployment benefit (WW) or disability benefit (WGA). You pay the premium through your employer. You can see this on your payslip. There are also supplements comparable to PAWW. Please inquire about these with your employer.
• Mortgage cost insurance
  This insurance can be taken out by salaried employees when taking out a mortgage. It provides coverage for disability and/or unemployment. It consists of a fixed monthly benefit to enable the continued payment of housing costs.

• National allowances and municipal schemes
  When your income drops significantly, you may find yourself unable to make ends meet. In that case, you may be entitled to a supplement to top up your benefit. To check if you are entitled to a supplement, use this tool from NIBUD: Calculate Your Rights – Nibud
• Facilities guide
  Via AmenitiesGuide You can find out whether you are entitled to national allowances. Additionally, you can search for schemes within your municipality. Currently, around 50 municipalities participate in this. The platform also offers the option of a free consultation.
• UWV Allowances
  Is your income lower than the social minimum? Then you may be entitled to a supplement from UWV. The supplement is an addition to your benefit or, sometimes, to your sick pay. UWV has a Selection aid to check if you are entitled to such an allowance.

You do not accrue pension on a WIA benefit. As long as you live in the Netherlands, you do accrue AOW.

Continuation of pension accrual

You may be entitled to (partial) premium-free continuation of pension accrual. Your employer must inform you of this, even if your employment has already ended. You can also contact your pension fund.

You can also arrange for the full continuation of pension accrual yourself for a fee. However, this involves substantial costs. Your pension fund can provide you with more information about this.

Disability pension

A disability pension is an additional income supplement paid out by your pension fund if you become disabled. It supplements your WIA benefit so that you experience less loss of income.

The amount depends on:

• The degree of disability.
• The pension scheme.
• The previous salary.

Check with your pension fund whether you are entitled to this.

Supplementary Income Provision for the Elderly (AIO)

If you have not accrued a full state pension, for example due to residing abroad, you may be eligible for a supplementary income provision for the elderly (AOI). The AIO supplements the state pension up to the social minimum applicable to you.

Overview & check: what am I entitled to?

Websites to check out which schemes, allowances and assistance may be possible in the event of loss of income due to illness or disability.

• Facilities guide
• Calculate your entitlement/ (Nibud)

In the event of incapacity for work:

• Money wiser
• Meerkosten.nl

Financial health & insight (checks and self-tests)

For insight into the financial situation, risks, and first steps.

• Financial health check (Nibud)
• Geldfit.nl or call 0800-8115

Money worries and debts: information & arrange it yourself

Information about debt and what you can do yourself regarding emerging or escalating debt.

• Schuldenwijzer.nl (overview of garnishments on your income)
• Zelfjeschuldenregelen.nl (Nibud)
• Uwbeslagvrijevoet.nl
• Sterkuitarmoede.nl
• Financieelfittewerknemers.nl (for employers)

Personal help and guidance

Organizations that offer personal support if you get stuck or have difficulty arranging things yourself.

• Humanitas.nl
• Schuldhulpmaatje.nl
• Fikks.nl (app as a buddy)
• Zetikdestap.nl

Client support

Did you know that every resident in the Netherlands can make use of independent client support? This is free of charge. Client support workers can help you check what you are entitled to. They assist with applications and accompany you to meetings. This is handled by a different organization in each municipality. Find the organization that offers client support in your municipality:

• Regelhulp.nl

Work, income and calculation tools (illness and working less)

For situations where people continue working (part-time) or are considering work alongside benefits.

• Uitkeringnaarwerk.nl (Nibud)
• Werkurenberekenaar.nl (Nibud)

UWV: financial matters, changes and long-term care

Specific information from the UWV regarding financial concerns and changes.

• Financial worries (UWV)
• Report change regarding long-term care assistance

 

Information about other topics

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