The self-employed will soon pay an average of 225 euros per month for compulsory disability insurance. That is what Minister Karien van Gennip (Social Affairs) expects. The premium is lower for self-employed persons with lower incomes. The amount is also tax deductible.
The minister realizes that 225 euros is a lot of money for some of the self-employed. She expects that they will be able to pass on the higher costs to their clients by charging higher rates.
Until now, a large proportion of the self-employed have not done so, for example for fear of losing orders to cheaper competitors. But when insurance becomes compulsory, Van Gennip expects self-employed people to be able to pass on the extra costs more often.
The obligation to have long-term insurance in the event of disability, for example due to illness or injury, is part of the pension agreement and the reforms of the labor market.
Van Gennip opts for a waiting period of one year during which the self-employed must absorb their loss of income themselves if they become incapacitated for work. After that comes the money from the insurance.
Self-employed persons may also take out private insurance if they prefer it. Such an insurance must have at least the same cover and premium as the public variant. In addition, these self-employed persons must pay a contribution to the public insurance.
It is not yet known how many people will have to have public insurance in the future. It is also not clear how much the contribution is for those who take out private insurance.
Source: NU by www.nu.nl.
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