Partial disability: no Disability Pension
Are you partially disabled for work? Then you will not receive a disability pension from us.
Pension accrual in the event of partial disability
If you are partially disabled and remain employed by Heineken, you are entitled to continuation of your regular pension accrual. Heineken will continue to pay the pension premium during the continuation of the pension accrual in the event of partial disability. You also pay the regular premium for this yourself. In principle, nothing will change.
Read more about this in the ”blog Disability Pension”.
WGA Benefit Shortfall Insurance and WIA Supplementary Occupational Disability Insurance through Heineken
In the event of partial disability (35 to 80%) you only receive partial WIA occupational disability benefit.
If you have taken out WGA Benefit Shortfall Insurance through Heineken you can to a large extent prevent this drop in income. This insurance ensures that your statutory occupational disability benefit is supplemented up to a salary of € 59,706 gross per annum (level in 2022) in the event of partial occupational disability.
If your income is above € 59,706 gross per annum (level in 2022) then you probably have taken out WIA Supplementary Occupational Disability Insurance through Heineken. This insurance prevents to a large extent a drop in income that you would suffer in the event of partial occupational disability (35 to 80%) on your income above € 59,706 gross per annum. WIA Supplementary Occupational Disability Insurance pays out up to 70% multiplied by the occupational disability percentage over that part of your income above the maximum annual salary of € 59,706 gross (2022).
New employees are automatically insured as of the date of commencement of employment unless they have cancelled this insurance by means of a waiver. With regard to the WIA Supplementary Occupational Disability Insurance it goes without saying that this applies only if the new employer earns above the maximum annual salary of € 59,706 (2022). Employees who have cancelled this insurance may – subject to meeting certain conditions – re-enter this insurance on the next contribution due date (1 January each year) by completing a registration form.
Neither the WGA Benefit Shortfall Insurance nor the WIA Supplementary Occupational Disability Insurance is administrated by the Heineken Pension Fund but by Avéro Achmea. To register or cancel these insurance(s) you must contact the HR Services Department.
Read the blog: ”Disability Pension”