Working in several countries
European law stipulates that a person can only be covered by the social security legislation of one country. European Regulation 883/2004, which regulates coordination, sets out various rules as to which country is responsible. It regularly happens that someone works in several EU countries. Someone lives in the Netherlands, works for a Belgian employer also […]
Pensions
Both Germany and the Netherlands have legal old-age pension schemes. However, this is regulated differently in the two countries. The amount of your old-age benefit depends on the duration of your insurance. If you have accrued insurance periods in the Netherlands and in Germany, you will get a old-age pension from both countries, provided you […]
Sickness and incapacity for work
You are insured for sickness benefits in Belgium. If you become ill and cannot work, you will first receive part of your salary from your employer. After that, you will often receive sickness benefits from the health insurance fund. Caution! Was your illness caused by an accident at work or an occupational disease? Then you […]
Illness and incapacity for work
Illness You are insured against incapacity for work in Belgium. If you fall ill and cannot work, you will first receive part of your salary from your employer. Then, in the event of illness, you will often receive a benefit from your health insurance. However, please note the following: Is your illness due to an […]
Health insurance
Belgium has a compulsory health insurance system. If you are covered by social security in Belgium, you must take out a Belgian health insurance policy. In order to be able to use health care in the Netherlands as well, you have to register for a contract policy with the CZ in the Netherlands. To do […]
Health insurance
Legal and private health insurance If you work in Germany, you are covered by health insurance in Germany. Germany has different types of health insurance: Legal health insurance (compulsory or voluntary) and private health insurance. As an employee, you are compulsorily insured if your gross salary does not exceed € 69.300 per year (2024). If […]
Long-term care insurance in the Netherlands (WLZ)
People who work in the Netherlands, those who receive a pension there and their co-insured family members are entitled to benefits under the Health Care Insurance Act. In addition, you can also claim benefits under the WLZ (Long-Term Care Act). This law covers special medical expenses, These include: care in a hospital or sanatorium if […]
Unemployment
If you work in Germany as an employee from Belgium, you pay unemployment insurance in Germany. However, you do not always receive a benefit from Germany. The country from which you receive unemployment benefit depends on whether you are full-time or part-time unemployed. When am I fully unemployed? You are fully unemployed when you are […]
Sick note
The film below explains what the rules are if you become ill and you live in Germany and work in the Netherlands. https://www.youtube.com/watch?v=VxGjkASyMlU Notification of illness to the employer is done differently in the Netherlands than in Germany. The difference in regulations is due, among other things, to the obligation of Dutch employers to continue […]
Unemployment
If you work in Belgium as an employee from the Netherlands, you are insured for unemployment benefits in Belgium. However, you do not always receive benefits from Belgium. The country from which you receive unemployment benefits depends on whether you are totally or partially unemployed. When am I completely unemployed? You are completely unemployed when […]