Being disabled for work means that you are unable to work (fully) due to psychologiscal and/or physical issues. Most insurers determine unfitness for work when you are medically unable to perform at least 25% of your duties. This can apply whether you are self-employed within a business or employed by an organization.
Due to incapacity for work, your income is completely or partially lost.
As a result, you can end up in an upleasant financial position. Perhaps you can no longer pay your housing costs or you need adjustments in the house that require an investment. This makes your financial position uncertain. These kinds of situations can affect anyone, whether you are employed or working as a self-employed freelancer
People with disabilities receive an additional disability compensation from the government/UWV every year in September. This compensation is intended to alleviate the financial consequences of disability. The amount of the disability compensation for 2025 depends on your specific situation, such as the how disabile you are and any other sources of income.
Disability Insurance can give you income to live on if you become temporarily or permanently disabled, due to pyschological and/or physical issues. By taking out disability insurance, you can cover uncertainties in the event of disability.
By looking at your current situation together, we can make a risk analysis and map your needs. We look at, for example, the income and the consequence of the loss of one of the incomes due to incapacity for work. This way we can issue appropriate advice for taking out suitable insurance.
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