Details of the employer

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Details of the employee

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Information on unpaid leave

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

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.

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