Composition of the financial benefits
The financial benefits that the insured person receives from the CNS consists of the following elements
- a basic benefit ;
- if due, supplementary and accessory benefits.
Basic benefit corresponds to the highest basic pay included in the calculations basis applied in the course of one of the three calendar months preceding the commencement of benefit payments by the CNS.
Basic remuneration is here defined as those parts of benefits payable as monthly cash payments and which are not classed as supplementary and additional benefits.
In the absence of a month of activity fully covered by mandatory insurance (e.g. temporary work), basic remuneration is awarded according to the rate agreed in the work contract. It is reduced according to a base cost of living index of 100 and divided by the cost of living index for the month in question. The number of working hours calculated corresponds to those of the month in question or the highest number of hours taken from the months in which the basic remuneration is identical.
For apprentices, apprenticeship pay constitutes the basis of calculation for benefit payments.
Complementary and accessory benefits
The complementary and accessory benefits to be covered by the CNS are those elements of cash remuneration that are payable monthly but whose amount may vary from month to month (e.g. a productivity bonus).
The CNS determines the amount of complementary and accessory benefits by taking the average of the complementary and accessory benefits declared in the twelve calendar months preceding the month in which the incapacity for work occurred.
If this reference period of twelve months is not fully covered by an activity subject to insurance contributions, the average is calculated on the basis of the month or months which were fully covered. The cost of living index of the month or months where complementary and accessory benefits were included in the contributions calculation basis is used to adjust benefits according to the one hundred cost of living index.
Request for recalculation of cash benefits for the fraction of a month
The cash benefit payable by the CNS for a fraction of a month may be recalculated if the insured person notice a difference in income for the month in question, caused by different prorating methods used by your employer and the CNS. If this is the case, you can request a recalculation of the cash benefit by completing the "Request for recalculation of cash benefits for the fraction of a month" form and attaching the detailed statement of the salary paid by your employer for the month in question.
Limits and maximum amounts of financial benefits
Minimum social wage
Monthly financial benefits shall not fall below the minimum social wage, excepting some special cases that allow for exemption or reduction. In the case of part-time work, the threshold is established on the basis of the minimum hourly social wage.
The financial benefits rate shall not exceed the minimum social wage by a factor of more than five.
Where the insured is involved in several different kinds of occupation of a different nature, whether work on a fixed salary or not, the various financial benefits can be pooled up to a limit of five times the current minimum social wage. Beyond this ceiling, financial benefits are reduced proportionately.
Example: Proportional reduction of financial benefits if the maximum threshold is exceeded
SSM minimum social wage (example: 1 January 2023) : 2.387,4 €
Maximum threshold (five times SSM) : 11.937,0 €
The insured person has 3 remunerations :
- 1st remuneration : 6.000,0 €
- 2nd remuneration : 5.000,0 €
- 3rd remuneration : 4.000,0 €
- Total remuneration : 15.000,0 €
Total cumulative remuneration exceeds the maximum threshold of 3.063,0 € (15.000,0 - 11.937,0)
A reduction of €3,063.0 is therefore required to reduce the €15,000.0 to €11,937.0, i.e. a reduction of 20.42%. :
- 1st remuneration reduced by 20.42% : 4.774,8 €
- 2nd remuneration reduced by 20.42% : 3.979,0 €
- 3rd remuneration reduced by 20.42% : 3.183,2 €
Sum of the 3 reduced remunerations : 11.937,0 €
Financial benefits have therefore been reduced proportionally to the maximum threshold of 11.937,0 €.
Persons over the age of 68 are not eligible for sickness benefit pay.
Overtime, bonuses and remuneration in kind
The CNS does not take into account the following when calculating the financial benefits :
- overtime, even if it was regularly performed before the period of incapacity for work and was originally planned for the period during which the employee is incapacitated for work ;
- bonuses or other occasional benefits ;
- remuneration in kind (company housing, company car, meal vouchers, etc.).