Severe illnesses often make a stay in hospital or longer downtimes at the workplace inevitable. IKK Nord provides economic and financial security by paying sickness benefits so that you can concentrate on your recovery.
Employees and recipients of unemployment benefit I are entitled to sickness benefit. Self-employed entrepreneurs can, under certain conditions, secure their entitlement to sickness benefit under our optional sickness benefit plus fare.
Inability to work
If an incapacity for work exists, the attending physician issues a so-called certificate of incapacity for work (also called: AU certificate, AU certificate, sick leave, sick leave or sickness certificate). In order to avoid disadvantages for a later entitlement to sickness benefit, the certificates must be submitted to IKK Nord by fax or post within 7 calendar days. The employer or the employment agency must be informed immediately. The certificates must then be sent promptly to the employer or the employment agency.
Send the certificate to IKK Nord
You can simply send the certificate of incapacity for work for the health insurance fund, which is also known as AU certificate, sick leave, sick leave or sickness certificate, to any IKK Nord service centre or submit it in person. You can find the nearest service center on the page Servicecenter.
Start of entitlement to sickness benefit
The entitlement to sickness benefit arises from the day of the doctor's examination, in the case of in-patient treatment with the day of hospital admission. As long as you are entitled to continued salary payment by the employer or continued benefit payment by the employment agency, your entitlement to sickness benefit is suspended. The entitlement to continued payment of benefits is generally valid for six weeks (42 calendar days).
Amount of sickness benefit
The amount of the sickness benefit is regulated by law and amounts to 70 percent of the previous regular gross salary before the onset of incapacity for work for employees, but not more than 90 percent of the net pay. Persons receiving unemployment benefit I are paid sickness benefit in the amount of their unemployment benefit.
Sickness benefit is limited to a maximum gross daily benefit of EUR 98.88 (2016) and EUR 101.50 (2017). This is based on the current assessment limit for health insurance contributions.
Sickness benefit is generally subject to contributions to pension, unemployment and nursing care insurance. Your contribution is automatically deducted from the gross sick pay and paid by IKK Nord to the social service providers. If the sickness benefit is paid in the amount of the unemployment benefit, the contributions are paid in full by IKK Nord.
Duration of sick pay
Sickness benefit is paid without time limit. However, in the case of incapacity for work due to the same illness, for a maximum of 78 weeks within three years, calculated from the first day of incapacity for work.
We will send you a letter of intent and a declaration of sickness benefit to be completed by you. The data for calculating your sickness benefit has been transmitted to us electronically by your employer since 1 July 2011. We will calculate your sickness benefit as soon as your records and your employer's earnings certificate are available.
As a recipient of unemployment benefit I, please send us the notice of termination from the Federal Employment Agency as a basis for calculating your sickness benefit.