Tasuta tööriist
ELi haigushüvitise kalkulaator
Valige oma riik, sisestage igakuine bruto + oodatavad haiguspäevad — rakendame riigispetsiifilisi faase (tööandja jätkuv tasu, Krankenkasse / mutuelle / INPS / UWV / ZUS / CPAM / ÖGK ülevõtmine). Faaside kaupa jaotus, mis näitab iga maksjat, igakuist summat ja kestust. Konservatiivne kavand — link ametlikule allikale.
⚠ See on hinnang
Haigushüvitise arvutused sõltuvad oluliselt teie kollektiivlepingust (CCN/CAO/Tarifvertrag/CCNL), tööstaažist, haiguse tüübist (tööga seotud vs tavaline) ja varasematest haigusepisoodidest kvalifitseerumisaknas. Kasutame iga riigi seaduslikku alampiiri — paljud CAO/CCN täiendavad 100% netole esimese 1-12 kuu jooksul. Enne nendele numbritele finantsplaneerimisel toetumist kontrollige alati oma lepingut JA oma riigi sotsiaalkindlustusagentuuri.
Faaside kaupa jaotus
- Lohnfortzahlung — employer pays 100% gross30 daysTööandja€4,000/mo
Kuidas selle riigi süsteem töötab
- Lohnfortzahlung: employer pays 100% of your normal gross salary for the first 6 weeks (42 calendar days) per illness.
- Krankengeld: from day 43, your statutory health insurance (Krankenkasse) pays 70% of gross income capped at 90% of net. Maximum 78 weeks per illness within 3 years.
- If you fall ill again with the same illness within 6 months of returning to work, the same 78-week clock continues — it does NOT restart.
- Krankengeld is taxable (subject to Progressionsvorbehalt) but free from social-security contributions.
Märkused
- After 78 weeks of Krankengeld, eligibility for Erwerbsminderungsrente (reduced-earnings pension) is assessed if the illness persists.
- Many CCN/Tarifvertrag agreements top up the Krankengeld to 100% of net during weeks 7-26. Check your CCT.
⚠ Olulised hoiatused
- Submit the 'Arbeitsunfähigkeitsbescheinigung' (yellow sick note) to your employer within 3 working days. Late submission can lead to wage deduction.
- From day 43, you must register with your Krankenkasse — your employer no longer files for you. Set a reminder for week 6.
Õigusalane lahtiütlus
WorkDaten provides this sick-leave calculator for informational purposes only. Calculations use the publicly available 2026 statutory minimum sick-pay formulas of each country. They do NOT constitute medical, legal, or financial advice. Real entitlement depends on the exact diagnosis classification (work-related vs common, ALD/long-term, pregnancy-related), your specific collective bargaining agreement, employer-paid top-ups, your tenure, and prior sick-leave episodes. Each country's social security agency / Krankenkasse / mutuelle / INPS / UWV / ZUS / CPAM / ÖGK is the final authority on the actual amount you receive. We accept no liability for financial decisions based on this tool.
Kuidas haigushüvitised Euroopas erinevad
European countries take very different approaches to paying for sick leave. The Netherlands has the most generous: employer pays 70% (often topped up to 100% by CAO) for up to TWO YEARS. Germany splits the burden: employer pays 100% for 6 weeks, then Krankenkasse 70% gross / 90% net for up to 78 weeks. Spain and France insert a 'carencia' (Spain: days 1-3 unpaid; France: 3-day waiting period unless tenure ≥1 year). Belgium pays 100% from employer for the first 30 days, then mutuelle 60%. Italy has the lowest INPS rate (50% days 4-20, 66.66% days 21+) but most CCNL top up to 100% for the first 3-12 months.
Two patterns matter most: (1) the EMPLOYER usually pays the first phase at the highest rate (90-100% in DE, AT, BE, NL) and the SOCIAL INSURER takes over at a reduced rate from a certain day or week. (2) the COLLECTIVE BARGAINING AGREEMENT (CCN/CAO/Tarifvertrag/CCNL) often tops up the social insurer's rate to maintain 100% net for several months. Always check both your contract AND the relevant agreement.
Use this for an honest first read. Then check your specific contract clauses + your country's Krankenkasse/mutuelle/INPS/UWV/ZUS/CPAM/ÖGK before relying on the numbers for major financial decisions.
Korduma kippuvad küsimused
Short answers to the questions people most often ask before relying on the page.