If you are no longer able to generate an income due to a health-related impairment, this is considered a disability. You are eligible for disability benefits if your degree of disability is at least 40%.
The disability pension is temporary and will be paid out until the age of 65 at the latest. After that, you will receive a lifetime retirement pension that is calculated at the time of retirement.
Unlike a retirement pension, the disability pension does not depend on your accrued retirement assets. The pension level is consequently not affected by an advance withdrawal to purchase residential property or a transfer in connection with a divorce. The disability pension is calculated on the basis of the pensionable salaries in the Pension Fund:
- 70% of your pensionable base salary
- 45% of your pensionable base salary excess
- 45% of the average of your last three pensionable awards.
The amounts are dependent on your degree of disability:
|Degree of disability||Pension entitlement|
|at least 40%||¼ of the disability pension|
|at least 50%||½ of the disability pension|
|at least 60%||¾ of the disability pension|
|70% or more||full disability pension|
Overview of disability benefits
In the event of an uninterrupted period of inability to work, the daily benefits under health insurance 2 are triggered after 12 months, and your obligation to pay contributions to the Pension Fund is waived. During the period of disability, the Pension Fund will pay both your own savings contributions and those of the employer in accordance with the Standard contribution option, based on your pensionable base salary, the pensionable base salary excess and the average of the last three pensionable awards before the occurrence of the inability to work.
Contributions are waived for the portion of the salary that can no longer be earned. You make no contributions to the Pension Fund, up to age 65 at the latest, so long as you are disabled.
Disability lump sum
If you receive a temporary disability pension from the Pension Fund, the assets in the pension capital supplementary account and the retirement capital supplementary account are paid out to you as a single lump sum.
Disabled person's child's pension
In addition to your temporary disability pension, you will receive disabled person's child's pensions if you have children under 18, or children under 25 who are in education or training. The disabled person's child's pensions are as follows -
- for one child: 15% of the temporary disability pension from the pension capital savings,
- 30% for two children and
- 45% for three or more children.
Existing disability pensions and disabled person's child's pensions
Temporary disability pensions and disabled person's child's pensions that were already being drawn before January 1, 2017, will be paid out until age 65 in an unchanged amount.
From age 65, the temporary disability pension will be replaced by a retirement pension. The calculation of this depends on when your temporary disability pension was paid out for the first time:
- Prior to December 31, 2009: The temporary disability pension is replaced by a lifetime retirement pension (of the same amount).
- From January 1, 2013: The retirement pension is based on your accrued assets in the pension capital pension pot multiplied by the conversion rate at the age of 65.