Overview social security, provisions and insurance
The concept of social security is a collective term for benefits, provisions and forms of insurance. Some of these are obligatory and apply generally or to a specific group, others are voluntary. Social insurances can be divided into national insurance schemes, that apply to all Dutch inhabitants, and employed persons insurance schemes, that only apply to employed people.
Social security scheme
| Social security | Regulation | Contribution |
|---|---|---|
| National insurance: for everyone living in the Netherlands | AOW, ANW, WLZ, AKW | Tax office |
| Employees insurance: for employees | WW, ZW, WIA, WAZO | through wages |
| Right to basic medical care | Zvw | Health care insurer + income-related contribution |
| Provisions | Regulation | Contribution |
|---|---|---|
| Social welfare: under certain conditions | Participatiewet, Wajong, IOAZ, Bbz, TW | none |
| For employees | pension | through wages |
| For self-employed | pension | self arranged |
Income in case of illness and occupational disability for employees and self-employed people
There are different provisions for self-employed people and employees. Here is a schematic comparison of provisions that apply in case of unemployment, illness and occupational disability
| Type of provision | Employer / artist working via 'artiestenregeling' | Self-employed |
|---|---|---|
| Income in case of unemployment, WW | Yes, if the eligibility requirement is met | No, must arrange themselves |
| Income in case of illness, ZW | Yes, continued payment of wages by the employer or through the ZW | No, must arrange themselves |
| Income in case of occupational disability, WIA | Yes, under certain conditions, through the WIA | No, must arrange themselves |
Insurances
There are, especially for the self-employed, a number of things that you have to arrange yourself. This can be done through various types of insurance. You generally have to arrange these yourself, even though some are required by law. Think of liability insurance to study or disability insurance for the self-employed to insure income if you can no longer work.