Pensions
Here you can find information about the different pension models that are available if you live in Germany and work in the Netherlands. Old-age pension Display information The AOW pension (AOW stands for: Allgemeines Altersgesetz [General Old Age Act] is a basic benefit for senior citizens over 67. The amount of your AOW pension depends […]
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 € 77.400 per year (2026). 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 […]
Family
Anyone who lives and works in different countries and returns home daily or at least weekly is a cross-border commuter. Such persons have a special status under European law. The worker may be socially insured in the country of residence or in the country of employment under these regulations. In principle, the insurance law of […]
Unemployment
https://www.youtube.com/watch?v=_KsPEW88fs8 This film explains in Dutch what the rules are regarding unemployment if you live in the Netherlands and work in Germany. Do you live in the Netherlands, work in Germany and have you lost your job? Are you a cross-border worker and do you return to the Netherlands at least once a week? Then […]