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Health Insurance news (1)
health insurance fund health insurance care insurance newsBy salary deduction or - payment in the cafétariaplan can an employee insured of voluntarily in the situation attain that he () arrives in the health insurance fund, and the other way around. The health insurance fund border has been determined on € 33.000.2005). The qualifying date is 1 November.An employee, who above the health insurance fund border sits out, and as a result of handing in money in the cafétariaplan possibly under the health insurance fund border (or the other way around, comes), then becomes that made in FEBO on the display device visible. It is recommended when appropriate this, in advance to making discussing a definite choice, with a staff official.
Health Insurance Act (ZFW)Werknemers with (permanently) annual enter lower than € 33.000 (2005) and at least on 1 day per week operative, is for medical expenses obliges insured. Employees pay for this a premium of 1.25% of the fixed income. Moreover pay they a flat-rate contribution, which amounts to average € 383.00 (2005) by adult per year (in this amount a premium increase of € 60.00 has been incorporated for no-claimregeling).See also additional health insurance and medical expenses compensation.Alleen vast overeengekomen bestanddelen van het inkomen tellen mee voor de vaststelling van de ziekenfondsgrens. Therefore profit-sharing and bonussen, which are not dependent on a performance count. The part of the ZFW premium, paid by the employer, 8.20% (2005), is added for determining the tax and national insurance contributions to the income of the employee. By 1-1-2005 no-claimregeling have been introduced. The intention of the measure is insured people aware of making of the costs of care and with that the costs to push back. Health insurance fund patients of 18 years and older pay a higher flat-rate contribution in 2005. Insured people who do not appeal for a year to care to recover 255 euro of the insurance. The refund becomes lower as has been more often appealed to care. No-claim the regulation applies to all care which falls under the Health Insurance, except the costs of general practitioner, obstetrician care and kraamzorg.
ZiekengeldDe Sickness Benefits Act in principle only still exist for pregnancy and for employees after the end of (short) a service link. The Sickness Benefits Act has been therefore mainly replaced by the law remuneration by payment at sickness.
medical expenses compensation medical expenses can be compensated for by the employer tax-free, if these costs differently for the employee an extraordinary charge would be (for example costs for labour). But also dentist costs, optical devices, medecines, beauty corrections, such as flaporen, udder enlarging etc., fysiotherapie and psychotherapie, contraceptive, patient transport, but also burial costs etc., when these costs are not compensated for (more) by the health insurance company. Also compensations can be supplied tax-free when these serve for improvement of the workplace or working circumstances (adapted furniture, special optical devices e.d.) These costs can be incorporated tevens as an aim in the cafétariaplan.The premium for the medical expenses has been however simply charged, whereas these can be taken along for the IB as a deduction. To the IB however a threshold of 11.2% of the taxable income applies, with maximum vanDe employee can exchange these costs for gross remunerations or for leave days and thus a considerable tax advantage to create.FreeBeans can a regulation provide that it has been reviewed fiscally and the application described clearly state.
Care-related leave of absence-unpaid leave for looking after a sick child or family member. This leave has (still) no legal basis. This leave can be incorporated as an aim in the cafétariaplan.
Per 2006 a new health insurance is introduced. The so-called basis insurance. This insurance substitutes the health insurance fund and the private health insurance and provides for a legally assuredly standard package. Op dit moment wordt gedacht aan een premie van € 1.067.00 per year by adult. The insured person chooses moreover for which additional care he wants insure himself.
Pregnancy - and labour leave salary-earners have right to at least sixteen weeks leave (6 weeks for and 10 weeks after the labour) concerning pregnancy on the basis of the law labour & care. During this period they receive a benefit of 100% of the brutoloon with maximum from € 43.420 per year (2005). A lengthening of this leave can be incorporated as an aim in the cafétariaplan.
Source: General
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Health Insurance news (2)
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