Unpaid leave

Employer
Employee
Unpaid leave
Summary

Employer
Employee
Unpaid leave
Summary
infoPanel

Details of the employer

Company

Contract number

*Mandatory fields

Details of the employee

Policy no.

Title

First name

Last name

Street

No.

Postcode

Place

Country

Date of birth

Marital status

E-mail

*Mandatory fields

Information on unpaid leave

Start of unpaid leave

Resuming work

Please note: If your employee is planning unpaid leave of less than one month, you do not need to report this to us. In this case, membership of the benefit scheme continues in full.

Please note: If your employee is planning to take more than six months of unpaid leave this must be reported using the “Suspension of work” form. It is not possible to take unpaid leave for more than six months.

How should your employee continue to be insured against sickness while on unpaid leave?

Continuation of insurance without change
Risk cover remains in place
Suspension of insurance

Continuation of insurance without change

Retirement benefits and financing will be maintained without change for the duration of the unpaid leave.

The employer is still the party that owes the premiums to the Foundation (under the contract of association). A change of financing must be resolved bilaterally between the employer and the employee.

Risk cover remains in place

Only risk cover (including waiver of savings contributions) and pro rata financing is maintained for the duration of the unpaid leave. Savings contributions are suspended, which means that the savings process is interrupted for the duration of the leave.

This reduces the future retirement savings, and future retirement pensions can be expected to be smaller. This gap can be bridged later by purchasing voluntary contributions.

The waiting period for a disability pension and a disabled’s children's pension is reduced to three months. Financing in accordance with the pension fund regulations will be retained for the duration of the unpaid leave. The employer is still the party that owes the premiums to the Foundation (under the contract of association). A change of financing must be resolved bilaterally between the employer and the employee.

Suspension of insurance

During unpaid leave, both risk premiums and savings premiums are suspended for the duration of the unpaid leave.

Please note: This means that the employee basically bears the risk himself/herself during unpaid leave. In the event of a claim, the LOB minimum benefits will nevertheless be provided in line with the salary reduced by the duration of the leave.

LAI interim accident insurance

Is LAI interim accident insurance already in place?

Please note: Under the LAI, accident cover lapses 31 days after the start of unpaid leave. The insured person has the option of maintaining accident cover for a maximum of six months with LAI interim accident insurance. The Foundation makes LAI interim accident insurance a condition for unpaid leave.

Name of insurer

Street

No.

Postcode

Place

Confirmation

I hereby confirm that the employee in question has been provided with detailed information on LAI interim accident insurance and the choice of insurance cover. The employee explicitly agrees to the choice of insurance cover made above.

This registration was entered by

First name

Last name

*Mandatory fields

Summary

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Good to know

Difference between suspension of work and unpaid leave

A suspension of work corresponds to a regularly recurring time-out which is typical of the work carried out (e.g. seasonal employment as a ski instructor), or the suspension of work takes place at the employer's request (e.g. for an internship or training abroad).
A period of unpaid leave is usually a one-off time-out from work, regardless of an employee's contractual holiday entitlement, which the insured person has voluntarily chosen to take and during which the employment relationship continues without remuneration.
When an employee who is not employed for the whole year leaves the company permanently, this must be reported as a definitive departure.

Conditions for unpaid leave

This registration must be submitted before the start of unpaid leave.
The employment relationship cannot start with unpaid leave.
While on unpaid leave, your employee is not permitted to engage in any other regular gainful employment.
The contributions are financed in accordance with the Regulations, although the employer and employee may agree a different form of financing. Under all circumstances, the employer remains the party that owes the premiums to the Foundation.

Details of the employer

Details of the employee

Information on unpaid leave

Continuation of insurance without change

Risk cover remains in place

Suspension of insurance

LAI interim accident insurance

Confirmation

Summary

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