{"id":4420,"date":"2026-05-31T19:17:58","date_gmt":"2026-05-31T19:17:58","guid":{"rendered":"https:\/\/www.arbeidsjurist-eindhoven.nl\/?p=4420"},"modified":"2026-10-09T12:07:14","modified_gmt":"2026-10-09T12:07:14","slug":"self-insured-employer-settlement-agreement-illness","status":"publish","type":"post","link":"https:\/\/www.arbeidsjurist-eindhoven.nl\/en\/kennisbank\/eigen-risicodrager-werkgever-vaststellingsovereenkomst-ziekte\/","title":{"rendered":"Self-insured employer and settlement agreement during illness: what does this mean for you?"},"content":{"rendered":"

<\/p>\n

Own-risk bearer status and a settlement agreement during illness<\/h2>\n

Is je werkgever eigenrisicodrager en krijg je een settlement agreement<\/a> bij ziekte? Dat heeft gevolgen voor je uitkering. We leggen uit waar je op let.<\/p>\n

If you are ill and your employer is a self-insurer (eigen risicodrager), a settlement agreement (VSO) may have different consequences for you than you might expect. It is important to understand what that status of your employer means before you agree to anything.<\/p>\n

What is a self-insurer (eigen risicodrager)?<\/h2>\n

Employers can choose to bear the risk of sickness absence themselves rather than transferring it to the UWV. In that case they do not pay a Sickness Benefit Act (Ziektewet) premium through the public system, but instead take on financial responsibility for sick (former) employees themselves.<\/p>\n

This has direct consequences for what happens to you if you are ill and your employment ends. Once you are no longer employed but are still incapacitated for work, responsibility for your Sickness Benefit Act (Ziektewet) payment may rest with your (former) employer \u2014 rather than with the UWV.<\/p>\n

What changes when you sign a VSO with a self-insurer?<\/h2>\n

With an ordinary employer, a sick employee moves into the Sickness Benefit Act (Ziektewet) scheme via the UWV after leaving employment. With a self-insurer it is different: the employer pays the Sickness Benefit Act (Ziektewet) payment directly, or arranges for this to be done through a private insurer. This may sound technical, but it affects you on a very practical level.<\/p>\n

When you sign a settlement agreement whilst you are ill and your employer is a self-insurer, the following situations may arise:<\/p>\n