Sick or disabled

If you become sick, your employer will continue to pay your salary for the first two years. You will build up retirement pension and partner’s pension normally. If after this period you are still unable to work, you will become occupationally disabled. You will then be entitled to receive occupational disability benefit.

Occupational disability pension

If you receive occupational disability benefit (WIA, formerly WAO), then you are entitled to a supplement from the pension fund in the form of an occupational disability pension if your annual salary is above the WIA limit (2016: € 52,766.37). The amount of this supplement depends on the degree of your occupational disability. The Pension Fund Board has set an upper limit. The occupational disability pension will supplement WIA or WAO benefit up to 70% of your original salary up to the upper limit.

Amount and duration

The amount of the disability pension is not only dependent on your salary on the first day of illness, but also depends on the degree of your disability. If you work part-time, you are entitled to occupational disability pension for the hours that you work. The Employee Insurance Administration Agency (UWV) determines the degree of your disability. You will receive occupational disability pension for as long as you are entitled to WIA or WAO benefit, in other words up to the time you reach state pension age but not beyond that date.

The following table shows the benefit percentages of occupational disability pension. The percentages with asterisks apply only to WAO benefit supplements. The right to a WIA benefit supplement only exists where the degree of disability is 35% or higher.

Degree of disability Percentage of occupational disability pension benefits
35% tot 45% 40%
45% tot 55% 50%
55% tot 65% 60%*
65% tot 80% 72,5%
80% tot 100% 100%

*If the member receives WAO, WAO should be read rather than WIA. In addition to this, an occupational disability pension of 30% will be paid in the event of 25-35% occupational disability, and 20% will be paid in the event of 15-25% occupational disability.

Pension accrual and WIA or WAO

In the event of occupational disability, the accrual of retirement pension and partner pension continues as before. The pension fund will then pay part of the contribution. The size of that part depends, as with the WIA or WAO benefit, on the degree of occupational disability.

From the moment you become occupationally disabled for 35% (WAO: 15%) or more, the pension fund will pay part of the pension contribution; if the degree of occupational disability is 80% to 100%, the entire contribution will be paid by the pension fund. Were you working part-time before you became occupationally disabled? Then your pension accrual and the premium waiver will be determined in proportion. The following table shows the percentages of the premium taken over by the pension fund. The percentages with asterisks apply only to premium waivers in the event of WAO benefit. The right to a WIA premium waiver only exists where the degree of occupational disability is 35% or higher.

Degree of disability Percentage of occupational disability pension benefits
35% tot 45% 40%
45% tot 55% 50%
55% tot 65% 60%*
65% tot 80% 72,5%
80% tot 100% 100%

*If the participant is entitled to WAO benefit, then an additional 30% of the contribution payment will be paid in the event of 25-35% occupational disability, and an additional 20% of the contribution payment will be paid in the event of 15-25% occupational disability. Would you like some general information about WIA or WAO? Take a look at the UWV website.