Payment calendar 2026
The payment date of your allowance depends on your status: employee, unemployed, or self-employed. It also depends on the duration of your incapacity for work, whether it is less or more than 1 year.
Please note that the schedule only starts running after you have received your first allowance payment.
Date of allowance payment
Check the 2026 calendar to see on which day we will transfer your replacement income to your bank account. Depending on your bank, it may take a few days before the amount is credited to your account.
Amount of benefit payments
Should you become incapacitated for work, the health insurance fund may pay you a replacement income. In the first year of incapacity for work, you will receive benefit payments that cover your primary incapacity for work. From the second year onwards, you will be granted 'invalidity' status and will therefore receive invalidity benefits. The rules are different for employees, the unemployed and the self-employed. Calculate how much your benefit will be approximately.
Would you like to receive a notification when your unemployment allowance has been paid?
Then enable this in your profile on My Helan. Please note that the time at which you receive this email may vary each month.
An answer to all your questions about your allowance
How your part-time benefit is calculated depends on the type of part-time work you resume;
Labourer or office worker.
Your benefit is calculated based on the number of hours worked per month, known as an ‘employment fraction’. That fraction is expressed in Q/S: Q represents the number of hours you work part-time with the consent of the advising physician. The S represents the number of working hours of a full-time employee at the company. Your benefit will not be completely reduced: 20% of your benefit is exempted from the employment fraction.
A general example: You are incapacitated and you are receiving a benefit of €50 per day.
- Q: The advising physician has authorised you to work 10 hours per week.
- S: The normal number of working hours in your job is 38.
- Q/S thus becomes 10/38 = 26.31%.
- 20% of this will be exempt.
- Your daily benefit allowance is reduced by 6%: €50 - 6% = €47.
We can calculate and pay your benefit only after we receive the monthly report from your employer. Your employer must provide us with this report digitally.
Child minder:
- The first year of authorised work: -25%
- From second year of authorised work: -50%
Employee in a sheltered or social enterprise workshop, or in a social enterprise working environment:
Your benefit will not be reduced. No 'report is required in case of an authorised activity as wage earner' .
Please note! You must always submit an application for part-time work to the advising physician, even in the case of an authorisation for the resumption of part-time work.
Self-employed as main or secondary occupation:
- Your benefit will not be reduced in the first six months of part-time work.
- Your daily benefit is reduced by 10% from the first day of the seventh month until 31 December of the third year following the year that you started the part-time activity.
- From 1 January of the fourth year after the year of the initial authorisation your benefit reduction will be aligned to your professional income as a self-employed person from three years prior.
For example: You will be self-employed part-time from 01/04/2021.
- From 01/04/2021 to 30/09/2021, there will be no reduction in daily benefit allowance.
- From 01/10/2021 to 31/12/2024: daily benefit allowance will be reduced by 10%.
- From 01/01/2025, the reduction in income will be based on professional earnings as a self-employed person received in 2022.
For municipal councillors or CPAS council members*:
Your benefit will not be reduced.
*Not valid for the council chair position holder
How your part-time benefit is calculated depends on the type of part-time activity you are resuming.
You are self-employed and you will resume a part-time activity as a self-employed person or as a wage earner OR you are a wage earner and you will resume part-time activity as a self-employed person.
- In the first six months of the part-time work your benefit will not be reduced.
- From the first day of the seventh month up to 31 December of the third year following the year of the start of the the part-time activity; your daily benefit allowance will be reduced by 10%.
- From 1 January of the fourth year following the year of the start of your authorisation, your benefit allowance reduction will be in line with your professional self-employment income from three years earlier.
For example: You are self-employed part-time from 01/04/2021.
- From 01/04/2021 to 30/09/2021, your daily benefit allowance will not be reduced.
- From 01/10/2021 to 31/12/2024: your daily benefit allowance will be reduced by -10%.
- From 1/1/2025: reduction in earnings based on professional earnings as a self-employed person received in 2022.
Your supplementary benefit for part-time incapacity for work will be paid once per month, after receiving the 'report, in the event of a permitted, wage-earning activity'. As your employer completes this report and provides it to us, the date of payment of your benefit may vary.
To increase or decrease your work scheme:
If you wish to work more or fewer hours than provided for under your current authorisation, you must reapply before changing your work scheme.
Change working days
>Do you currently work a fixed hourly scheme and wish to change to a variable hourly schedule? Or do you currently work every morning and wish to work 2.5 days a week? If so, you must reapply before changing your working days.
Working for another employer
If you wish to work part-time for a different employer, you must reapply before you change employers.
Also, if your employer changes its name due to a merger or takeover, you must submit a new application.
Changes to activity
If are still working for the same employer, but your activity or range of duties is changing, you must also submit a new application before changing your activity.
Both the primary incapacity benefit and the invalidity benefit are replacement incomes. You must declare your replacement income in your annual tax return.
- A maximum withholding tax of 11.11% is deducted for employees, unemployed persons, and self-employed workers.
- On the invalidity benefit, a maximum of 3.5% is deducted to finance the pension sector. This is paid to the Federal Pensions Service (only applicable to employees and unemployed persons).
Read more about incapacity for work
Would you like to know what your rights and obligations when you are incapacitated for work? Or what to be aware of when you return to work? We would be happy to help you.
Helan Independent Health Insurance Fund is the insurance agent (n° CDZ 5006c) for ‘MLOZ Insurance’, the VMOB of Independent Health Insurance Funds, (Register of Legal Entities in Brussels, 422.189.629, recognised under no. CDZ 750/01 for branches 2 and 18). View the data sheet and the General Terms and Conditions. Belgian law applies to the insurance contract. The term of the contract is whole life. In the event of any complaint, contact the complaints department of Helan Health Insurance Fund or the insurance ombudsman. For more information about purchasing this/these product(s), please contact Helan Health Insurance Fund. Helan Onafhankelijk ziekenfonds, Boomsesteenweg 5, 2610 Wilrijk, 0411.696.011, RPR Antwerpen, www.helan.be.