Sick-pay for freelancers

🔗Receiving sick-pay as a freelancer

As a freelancer, you can receive 100 percent of the basis for the sick-pay from and including the 17th day of illness. (By comparison, employees receive 100 percent sick-pay cover from the first day of illness). The first 16 days are counted from the day on which you see a doctor or the day on which Nav receives notification of the incapacity.

🔗Calculating the sick-pay basis for freelancers

When Nav pays sick-pay, a basis for the sick-pay must be determined. This is normally calculated based on the average freelance income reported through the a-melding during the three months preceding the sickness.

If you have income as both a freelancer and an employee, the sick-pay will be paid according to the rules for employees. 

🔗Voluntary sick-pay insurance for freelancers

It is possible to take out voluntary sick-pay insurance through Nav in order to obtain 100 percent sick-pay cover from the first sick day.

The premium for the sick-pay insurance is 3.3 percent of your expected annual income.

There is also an upper limit for the sick-pay basis of six times the National Insurance basic amount (G) for the voluntary sick-pay insurance. This means you will not be covered by the insurance for income in excess of 6G.

The premium for voluntary sick-pay insurance can be deducted in the tax return.

🔗Applying for sick-pay

Contact Nav for information on how to apply for sick-pay and how it is paid.