Sick pay
Offers financial support if you are fully incapacitated for work due to illness or an accident. If you’re a student, you’re also covered if you are physically not able to attend lectures etc. You’re eligible for this insurance after working at least 10 shifts via Temper, if your last shift has been within the last 3 months, and it provides monthly income for a maximum of 2 years.
Are you unable to work for a while? Let us know through this form. Tell us what happened, and we’ll get to work.
What is sick pay?
It’s more or less in the name: this insurance provides you with coverage if you’re unable to work for a longer period of time due to illness or an accident. If you’re a student, you’re also covered if you are physically not able to attend school. Thanks to this insurance, you’ll be provided with a sum of money every month, to make sure you’re not suddenly left without any income. This particular insurance is activated after you’ve worked at least 10 shifts via the Temper platform. If after 2 weeks you’re still unable to work, you will receive these benefits until you’re able to work again (for a maximum of 2 years in total). The amount of monthly income you’ll receive is based on how much you’ve earned through Temper in the 3 months before you became incapacitated for work. For a maximum of 2 years, you’ll receive 70% of that amount every month.
Psst, did you know that thanks to Temper, you’ll receive 90% of that amount if you’re a member of the FreeFlex Foundation (SVPW)? And a membership is totally free! Click here to sign up.
Other coverages
This insurance covers not only if you cannot work because of illness or because you are physically unable to go to lectures. You are also covered:
- if you have or adopt a child
- if you lose a close family member or have a miscarriage
- for damage to personal belongings due to an accident
Insured amounts
For parental and bereavement leave, you will receive a one-off lump sum of €500.
For damage to personal property due to an accident, repair costs are reimbursed up to a maximum of € 1,000. Motor vehicles and vessels are excluded.
The current value (how much something is worth at a certain moment) before and after the accident is taken into account. If the repair costs are higher than the difference in value of your belongings before and after the accident, you will be paid said difference (instead of the full repair costs).
What if you become incapacitated? Some calculation examples.
This varies from one situation to another, and is best explained with a few examples.
Example 1: Sophie
Sophie is a member of the FreeFlex Foundation (SVPW) and has been working through Temper for almost two years. Her last shift was on 12 May. When Sophie is on her way to a new job on 15 May, she falls off her bike and is completely disabled. After it becomes clear that she can no longer work, she reports this to Alicia via the Temper app or website. Together with Alicia and the insurer, Sophie assesses the situation.
To determine Sophie’s average income, the 3 full months preceding the day Sophie fell ill count (February to April).
Her average income is: (febuary €800 + March €1,250 + April €1,800) / 3 = €1,283 per month.
Sophie is a member of the FreeFlex Foundation (SVPW). Her benefit in case of full disability:
- First two weeks: no benefit, this is the excess period
- From week 3 to month 12: 90% of € 1,283 = € 1,155 per month
- From month 13 to month 24: 70% of € 1,283 = € 898 per month
Without membership of the FreeFlex Foundation (SVPW), Sophie would also receive an allowance of 70% of her average income in the first 12 months. This means an allowance of €898 per month, starting from week 3. Fortunately, after 14 months, she is completely back on track! The monthly benefit stops.
Example 2: Hans
Hans has only just joined Temper but has already done more than 20 shifts. His first shift was on 4 September. On 18 November, he becomes totally unfit for work.
Since Hans has worked less than three full months, all months count to determine his average income. His average income is: (€500 + €1,500 + €700) / 3 = €900 per month.
Hans is not a member of the FreeFlex Foundation (SVPW). His benefit in case of full disability:
- First two weeks: no benefit, this is the excess period
- From week 3 to month 12: 70% of € 900 = € 630 per month
- From month 13 to month 24: 70% of € 900 = € 630 per month
Hans reports better on 1 February and is back in full employment.
Example 3: Meriam
Meriam does regular shifts through Temper. While working, she trips and falls on her wrist. She can no longer do her job. Meriam calls in sick and states that she expects to recover faster through physiotherapy. Personal Injury Assistance agrees to this request; the cost of this treatment is covered. The treatments are successful; after two weeks, Meriam is able to return to work. Because Meriam has recovered within the insurance excess period, she does not receive any benefits.
Some example scenarios that are not covered
- You’re going home after a party, and get on your bike a bit too drunk. You don’t notice a red light, and get hit by a car. (Not covered: alcohol)
- You get into an argument with someone while you’re at work. It ends up in a vicious fight. You end up with a broken leg. (Not covered: intent)
Want to know more, or are you unable to work?
Want to know more about what is and isn’t covered? Check out the summary of the terms and conditions.
Are you unable to work for a while? Let us know through this form. Tell us what happened, and we’ll get to work.