Proposal for mandatory AOV for self-employed persons: ‘Totally unaffordable’

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                              There is a proposal for compulsory occupational disability insurance (aov) for self-employed persons without employees. The idea: an income-related premium of a maximum of 200 euros per month. "This is bullying self-employed people."

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        <p>On behalf of the Labor Foundation, Etienne Buijs confirms that there is a 'development direction' of the plans among the supporters. He does this as a result of reporting by the Financieele Dagblad, which writes that there is an agreement. But that is to be said, Buijs emphasizes: "There is no agreement yet."

That is also what Peter van den Bunder of the Kunstenbond told RTL Z. He emphasizes that this is really a proposal. “We are now assessing how this goes for our supporters. They consider affordability to be very important. And this proposal is completely unaffordable for our supporters.”

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        The Labor Foundation is a national consultative body that consists of two parties: the central organizations of employers and those of employees. They have been instructed by Minister Wouter Koolmees (Social Affairs and Employment) to make a proposal for a legal insurance obligation against disability for self-employed persons without employees. In this case, self-employed organizations also participate.

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        <h2 dir="ltr">Maximum of 200 euros per month</h2>

The proposal states, among other things, that the premium of the insurance depends on your income and amounts to a maximum of 200 euros gross per month. This is much more expensive for salaried employees. According to insurer De Goudse, employers pay an average of 250 euros per month for the state pension of their employee.

An artist does not earn much, says Van den Bunder. “With an annual income of 17,000 euros and two years of waiting time, you end up with a monthly premium of around 100 euros. That is far too much, the first reactions show.”

Maximum payment of 1650 euros

The maximum benefit of the self-employed person with a pension is also a lot lower than that of employees, namely 1650 euros gross per month. This should keep the insurance ‘affordable’. Employees can receive a maximum of 3500 euros per month.

Self-employed persons may also take out supplementary insurance. That is possible at an insurer.

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        <h2 dir="ltr">Exemption for alternative aov</h2>

The AOV will soon be carried out by the UWV and all self-employed persons are obliged to insure themselves until their state pension age. If they prefer private insurance, they can get an exemption. The insurance must then be at least equivalent to the mandatory state pension.

In addition, the self-employed person may choose whether he will receive money from the insurance after six months, a year or two years. The more time they spend out of pocket, the lower their monthly premium. By way of comparison: sick employees receive two years’ pay from their employer before their state pension.

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        <h2 dir="ltr">"Bullying self-employed"</h2>

Roos Wouters from the Werkvereniging is not happy with the proposal. This is an interest platform for modern workers, including self-employed people without employees. She gave input to the Labor Foundation on behalf of 22 self-employed organizations.

“We have not listened to our input at all,” says Wouters. “We want insurance for all workers, not just for self-employed people. This is just bullying self-employed.”

The premiums are too high and the benefits too low, the self-employed organizations say. Maarten Post of ZZP Nederland previously told RTL Z that an affordable premium would come close to 50 to 100 euros per month, than amounts from 100 to 200 euros per month.

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