What do I need to keep in mind if I am not working for a while?
There are many reasons for taking a career break. Some are voluntary, such as unpaid leave, family leave or retraining. Such absences need to be planned and provided for, because something could happen during this time too. Depending on the situation, there are attractive options for excellent cover. Knowing the risks does not mean you always have to insure against them. But you should take risks consciously to avoid unwelcome surprises.
Other employment breaks are forced upon you, such as incapacity for work (illness, accident), unemployment or even disability. Would you like to know what benefits you can expect in such a case, from whom and for how long? Would you like to know what measures you can take to avoid widening any pension gaps?
Whether you take a break from work voluntarily or involuntarily: we guide you in both cases.
Voluntary employment breaks
A distinction must be made between paid breaks from employment (e.g. an employer-financed sabbatical) and unpaid ones. It is advisable to make clear arrangements with the employer regarding the conditions of a sabbatical. A suspended employment contract is not the same as a terminated one. However, it does not offer the same level of comfort as an active one either. Clarify questions such as:
- Which obligations from the employment contract are suspended during this time, and which remain in place?
- What can you do during your time off, are there any restrictions?
- How are you insured through your employment contract during this time, what cover should you take out yourself?
Especially when travelling abroad, it is worth clarifying in detail which costs are covered by social insurances and where there may be gaps. Longer absences, especially unpaid ones, can also result in gaps in pension cover, which can often be prevented.
Enjoy peace of mind and return without unpleasant surprises.
Involuntary employment breaks
In most cases, involuntary absences are caused by incapacity to work as a result of an accident or illness. In many – but not all – instances, a portion of the financial loss is covered by continued payment of salary and/or daily allowance insurance. And if the situation persists for a longer period of time, various tough questions arise that can prove time-consuming, legally complex and, not least, emotionally draining. Incidentally, long-term absences, especially for mental health reasons, have been increasing dramatically for years.
- What information do I have to provide to my employer?
- How long am I protected against dismissal?
- Who pays my healthcare costs (treatment, medication)?
- How long will I continue to receive my salary and/or daily allowance?
- The insurance company requires me to take part in the early detection process, what is it and what do I have to do?
- When am I considered disabled?
- What provision can I and my family make if I am permanently unable to work?
Permanent severance of ties with an employer can also lead to a break in employment. Unemployment is also associated with rights and responsibilities – and pension gaps.
We provide answers and support you with the necessary processes.