Your employer believes it is important that all its employees have this insurance cover and has therefore decided to pay the entire premium on your behalf. That means you are insured free of charge through Fontys, in case of partial as well as full disability.

Your employer has opted to protect your income in all cases: partial as well as full disability. Safeguarding an adequate income for you at all times.

Less than 35% incapacitated for work

If you are less than 35% incapacitated, you are not entitled to a WIA benefit. You remain employed by your employer, in principle, although possibly under a modified contract. If this results in you earning less, Loyalis will supplement your loss of income to 80% for a period of 10 years. This is conditional on you earning at least 65% of your old income yourself.

Sample calculation
Let’s say you used to earn €1,000, and now, under a modified contract, you only earn €650. Loyalis will supplement your lower wage for a period of 10 years. This supplement is: €1,000 minus €650 = €350 x 80% = €280. Your total income is then: €930 (93% of your original wage).

Example of payment in case of partial disability (35% - 80%)

Partial disability cover: 35% - 80%

Example of payment in case of partial disability (35% - 80%) without work:

Full disability cover: 80% or more

Example of payment in case of permanent and full disability (80% - 100%):

These figures are a simplified representation of reality. They are based on an income below the level of the maximum daily wage (www.uwv.nl).

As an employee of Fontys you are assured of acceptance, regardless of your medical history.

Are you currently off work ill?
If you are unable to work at this moment due to illness, you can be readmitted to the insurance after 4 weeks of full recovery. Illness causing your absence from work at this moment and that in a worst case scenario results in disability is not insured.