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? 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:

  1. if you have or adopt a child
  2. if you lose a close family member or have a miscarriage
  3. 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 happens if you become incapacitated for work?

The best way to explain this is by using an example. We’ll call the person Sophie. Sophie earns some extra money by taking on odd jobs through Temper. Unfortunately, she suddenly becomes very ill, which means she can’t work for a longer period of time. She had worked her 17th shift via Temper the week before she became ill, and is therefore eligible for this sick pay insurance solution. After it becomes clear that she can no longer work, she reports this to Alicia Insurance via the Temper app or website. Together with Alicia and the insurer, Sophie maps out the situation, and they look for a way to make sure Sophie can get back to her old self as quickly as possible.

In the 3 months before Sophie became ill, she earned an average of €1500 a month through Temper. She’s a member of the FreeFlex Foundation, so after the 2-week period, Sophie will receive € 1350 per month for the first 12 months (90% of €1500). During the second 12 months, she receives € 1050 per month (70% of 1500). Luckily she’s fully back on track after 14 months! The monthly benefit stops.

Some example scenarios that are not covered

  1. 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)
  2. 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.

Got any questions?

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