​​​​In the first month of your occupational incapacity leave, you’ll still collect 100% of your salary, payable by your employer.

Between the 2nd and the 12th month, your employer will generally stop paying you for sick leave. This means that you’ll have to rely on state benefits, which are just 60% of your salary, capped at a maximum of EUR 53,258.40 (01.12.2022)​.

After one full year, your occupational incapacity will be reclassified as a disability. You’ll then be entitled to an allowance according to your family situation:

• 65% of your gross salary if you claim children and/or relatives as dependents, capped at a maximum of EUR 53,258.40 (01.12.2022)
• 55% of your gross salary if you are single, capped at a maximum of EUR 53,258.40 (01.12.2022)​
• 40% of your combined gross salaries if you are in a domestic partnership, capped at a maximum of EUR 53,258.40 (01.12.2022​)​

N.B.: State benefits are based on your monthly salary only and exclude other earnings such as year-end bonuses, performance bonuses, holiday pay, etc.

Your employer may have had the foresight to include Income Protection insurance in your corporate-sponsored plan. With this coverage, you’ll be entitled to a replacement income on top of your statutory benefits, to help you maintain your standard of living.

Want to find out more about this type of insurance? Go to the Income Protection page  for further details.

Have a corporate-sponsored plan through AG Employee Benefits? If so, then it’s highly likely you can check your covers on My AG Employee Benefits. Log in now.