Amount and calculation of your benefit
Employees, the unemployed and the self-employed who are unable to work due to illness or accident can receive benefits from CM.
What conditions do you have to meet, how is your benefit calculated and how much is that benefit? You can find all that information here.
How are my benefits calculated?
The advising doctor recognizes your disability on the basis of the certificate. This will recognize or refuse your disability within five calendar days.
- You will receive the decision in writing.
- You will then receive an information sheet. Return the completed form to CM as quickly as possible.
- Depending on your status, CM calculates your benefit as follows:
- Employees: based on the information sheet - employer's share.
- Unemployed: based on the information sheet - part unemployment.
- Self-employed: based on family burden.
Need help completing this form?
- You complete part A yourself. Read how to do that here .
- Part B must be completed by the person who lives at your address. Have your partner, your child, a blood relative or relative by marriage up to and including third degree 1 (brother, sister, grandparents) complete this document. You must also sign this part. Read how to do that here .
Employees
How much is my benefit?
As an employee, you are usually first entitled to a guaranteed wage from the employer. Afterwards you will receive a benefit from CM.
CM calculates your benefit based on the information sheet and your salary details . CM requests your salary information directly from your employer and always lets you know from which employer it requested the information. This way you can check whether they are correct.
Important : if you work part-time and receive additional unemployment compensation, make an appointment with the CM consultant to review your situation.
Unemployed
How much is my benefit?
CM calculates your benefit based on the information sheet and any other necessary information. CM requests this information directly from the unemployment services.
Important : if you are employed part-time and receive additional unemployment compensation, make an appointment with the CM consultant to review your situation.
Self-employed
What conditions do I have to meet?
If the CM's advising doctor recognizes your disability, you are entitled to sickness benefit if the conditions below are met.
- Have self-employed status or have recently terminated this status. In the latter case, this may not have happened more than thirty days before the start of the incapacity for work.
- During the have paid contributions as a self-employed person to a social insurance fund for two previous quarters.
Are you becoming incapacitated for work and do you not meet the conditions? CM will then contact you to review your situation.
How much is my benefit?
Important :
- If you are incapacitated for work for more than one year , this is considered disabled in health insurance. Your disability benefit is not subject to withholding tax, but the benefit is not tax-free. The settlement takes place with the tax assessment of the following year. You can avoid a high tax bill through advance payments .
- When calculating your benefit , Saturday is always considered a reimbursable day.
- For sickness and disability benefits, cohabitation means: living with someone who has an income that is higher than a legally determined amount. It doesn't matter whether you are married or not.
- Inform CM immediately if your family situation or your partner's income changes . Your benefit may have to be recalculated as a result. If you report these changes to your health insurance fund too late, CM can reclaim or pay an additional amount.
- Were you insured in different countries and are you becoming disabled? Then, under certain conditions, you will receive a separate disability benefit from each of these countries. More information can be found here .
- On some days you cannot receive benefits . Read here when , so that you are not faced with any surprises.