Zelfstandigen kunnen elkaar in schenkkringen blijven steunen bij ziekte, ook als de verplichting voor een collectieve arbeidsongeschiktheidsverzekering in een nieuwe wet wordt verankerd. Een wachttijd van twee jaar is mogelijk gemaakt in het voorstel van de Stichting van de Arbeid dat 3 maart j.l. bekend is gemaakt. De verplichte arbeidsongeschiktheidsverzekering is op zijn vroegst in 2024 geregeld.
Het volgende artikel staat in het voorstel van de Stichting van de Arbeid:
3.2 Schenkkringen Op 12 november 2019 heeft de werkgroep schenkkringen gehoord over de voorzieningen die zij aanbieden. Schenkkringen zijn groepen ondernemers die elkaar een bedrag schenken bij ziekte. Ze richten zich op de eerste maanden van ziekte zodat dus een groot deel van de leden die een beroep doet op de voorzieningen van de schenkkring gedurende hun gehele ziektetraject een schenking ontvangt. Een schenkkring biedt meestal maximaal twee jaar een uitkering maar zij geven aan dat rond de 93% van de deelnemers al eerder weer aan het werk is. Voor de periode na twee jaar kan men een private verzekering afsluiten. Een belangrijke drijfveer om deel te nemen aan een schenkkring is financieel van aard, geven de bestuursleden aan; lid worden van een schenkkring is goedkoper dan een verzekering afsluiten zonder wachttijd. Daarnaast vinden deelnemers het aspect van deelname aan een collectief met een sociaal motief aantrekkelijk. Bijvoorbeeld omdat men elkaar kent en dus weet aan wie de schenking wordt gedaan. Andere zelfstandigen kiezen liever voor een anonieme schenkkring, omdat ze niet willen dat andere zelfstandigen weten dat zij arbeidsongeschikt of ziek zijn. De aanwezigen gaven aan dat maar een klein deel van de zelfstandigen gebruik maakt van een schenkkring. Door hantering van selectiecriteria zijn niet alle schenkkringen toegankelijk voor iedereen.
Dit moet dus anders worden vinden wij van AOVoorZZP, juist een groot deel van de
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Voor leden van AOVoorZZP is het een
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Ondernemers die hun schenkkring combineren met een arbeidsongeschiktheidsverzekering kunnen beiden behouden.
Het is nu nog maar 2020 je hebt nog minstens 4 jaar te overbruggen ……
We zijn met zijn allen wel wakker geschud hoe het van de ene op de andere dag kan veranderen. Dit is met een #ongeval of #ziekte niet anders, en juist die situatie kunnen we #samen wel oplossen.
In deze crisis tijd vinden wij dat we ons steentje bij moeten dragen en het voor zelfstandigen mogelijk moeten maken om lid te kunnen worden van dit vangnet.
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