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Disability pension

More financial security for your employee when he/she becomes unfit for work.

Is your employee for at least 35% unfit for work? Then he/she will receive benefits under the Work and Income (Capacity for Work) Act from the Employee Insurance Agency. The amount of the benefits depends on:
- the percentage that your employee is incapacitated for work; and
- the salary on which the Employee Insurance Agency bases its calculations, with a maximum of € 53,706 (amount 2017).

This means that the income of employees with a higher income will be reduced considerably if they become incapacitated for work. You can insure invalidity pension with us. This is called additional income insurance supplementary to benefits paid under the Work and Income (Capacity for Work) Act.

How much disability pension will your employee receive?
Het The invalidity pension is a maximum of 70% of the lost income above € 53,706.
In calculating the invalidity pension, we use the following table:

​Unfit for work​Level of WIA-additional income insurance supplementary to benefits paid under the Work and Income (Capacity for Work) Act
Less than 35%0​%
​35% - 45%​40%
​45% - 55%​50%
​55% - 65%​60%
​65% - 80%​72,5%
​80%  - 100%​100%

Suppose: your employee earns € 80.000 and becomes unfit for work for 45 to 55%. Then he will receive from us:
(€ 80,000 - € 53,706) x 50% x 70% = € 9,202.90 gross per year. We increase this pension each year by 1.5%.

Please note: Is your employee incapacitated for work less than this or no longer incapacitated? Then his invalidity pension changes or ceases. The pension also ceases when your employee receives old-age pension.

What are the costs?
Per employee you pay 1.6% of the salary above € 53,706 (amount 2017). These costs can also be shared with your employees.

How to arrange for invalidity pension
Are you interested in a supplementary invalidity insurance for your employees? Please contact us. We will calculate the costs for you. We will also explain what the conditions are.

You can call us at: 020 541 83 00
Or mail us via: relatiebeheer@pensioenfondspgb.nl