Arbeidsongeschiktheid in the Netherlands: How to Claim Disability Benefits

Understanding Arbeidsongeschiktheid (Disability Benefits)

If you become unable to work due to illness or injury in the Netherlands, you may qualify for arbeidsongeschiktheid (disability benefits). The Dutch social security system provides various options depending on your employment status and level of disability.

Who Can Claim Disability Benefits?

Eligibility depends on your employment situation:

• Employees (Loondienst): Your employer pays your salary for up to two years while you recover. After this period, you may be eligible for WIA benefits.
• Self-employed (ZZP/Freelancers): You must have private disability insurance or apply for government support in special cases.
• Residents with long-term disabilities: If you have never worked in the Netherlands but live here permanently, you may qualify for the Wajong benefit.

How to Apply for Disability Benefits

Step 1: Employer-Paid Sick Leave

If employed, your employer must continue paying at least 70% of your salary for up to two years. During this period, you must work with an occupational doctor (bedrijfsarts) and follow a reintegration plan.

Step 2: Applying for WIA Benefits

If you're still unable to work after two years, you can apply for WIA benefits (Work and Income According to Labor Capacity Act) through the Employee Insurance Agency (UWV).

• Submit your application via the UWV website.
• Undergo a medical assessment by an UWV insurance doctor.
• Receive a decision on whether you qualify for IVA (full disability) or WGA (partial disability) benefits.

Step 3: Disability Benefits for Self-Employed Workers

If you're self-employed, you need private disability insurance. However, in some cases, you may qualify for the Toeslagenwet (Supplementary Benefits Act) if you have minimal income.

Step 4: Wajong for Young People with Disabilities

If you became disabled before turning 18 or before entering the workforce, you may qualify for Wajong, which provides financial support and employment assistance.

Where to Apply?

All applications must be submitted to UWV (Employee Insurance Agency). You can visit their website or a local UWV office for assistance.

Final Thoughts

Understanding Dutch disability benefits can be complex, but knowing your rights and options ensures you get the support you need.

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