Must I apply for a no-risk policy or tell my employer?
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Detailed explanation, checklist and sources
UWV usually grants a no-risk policy automatically when conditions are met. Educational impairment instead requires a separate no-risk declaration. After two months of employment, you must disclose the policy if asked, but not the reason.
On this page
1. Your situation
The policy reduces employer sickness costs through Ziektewet payments and no higher ZW/WIA premium for you. Both parties still work on reintegration during employment. Illness or disability alone does not establish entitlement.
2. Conditions
WIA held before employment normally gives five years from starting work; WIA awarded during continuing employment gives five years from the award. After a WIA refusal below 35%, the work situation eleven weeks before applying and an explicit no-risk statement in the refusal matter; the new contract must start within five years. Have all conditions checked.
3. Preparation
Wajong before employment generally gives lasting cover, except employment before 18; previous Wajong/work support can also qualify. Register entry with work after 1 January 2015, municipal jobs-agreement routes, certain 2015 entries, UWV/municipal workplace provisions and Participatiewet sheltered work have separate conditions. WSW sheltered or seconded work is excluded from the register route. Check consequences before deregistering.
4. Apply
For illness/disability during education, request a no-risk declaration from UWV. The source specifies older than16 and younger than30, completed education less than five years ago and no final adult course for a secondary diploma; under16 has a special exception. Cover normally lasts five years. Legacy REA cases on/before28December2005 have historical conditions: ask UWV to assess documents.
5. Decision
You need not disclose it when applying for a job. After at least two months of employment, disclose its existence if asked, not your diagnosis. Keep WIA/Wajong decisions, register/declaration proof and dates. Without evidence, employer and employee can jointly complete the official one-off authorisation for UWV disclosure.
6. Next steps
The employer indicates the policy in the Verzuimmelder sickness report; UWV assesses entitlement. Check extension before expiry: five years is not always lifetime cover. For self-insured employers UWV bears the relevant ZW liability and, after sick departure, reintegration. Follow objection instructions for an incorrect decision.
Must I give my employer my diagnosis?
No. After two months the requested disclosure concerns the existence of the no-risk policy, not its medical reason.
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- Decision or register basis
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- Sickness report and decision
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UWV · No-riskpolis ↗UWV · Voorwaarden ↗Sources may be in Dutch. General information about Dutch law, not individual legal advice.