Occupational disability insurance
Should you become (partially) unfit for work, your income may decrease, also when receiving an occupational disability benefit. In order to minimize this risk you may take out a supplementary insurance from Loyalis: the Occupational Disability Insurance (Arbeidsongeschiktheidsverzekering, AOV). LUMC staff members will get a discount on this insurance.
When you have been on sick leave for more than 2 years your contract will be discontinued but you may be entitled to an occupational disability benefit (WIA benefit) and an ABP Incapacity Pension. Despite these benefits your income will almost always decrease. With the Occupational Disability Insurance (AOV) it is possible to take out supplementary insurance against this risk. Moreover, you continue to accrue pension over the portion of your income that you insure.