{"type":"document","data":{"id":"a3b2ad09-afe3-479f-9571-1dbd9e6098be","localeString":"en-GB","publishDate":"2026-03-10T11:42:30.910+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Unemployment and occupational disability for a no-advice mortgage increase"},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"An accident could happen any time, or you could lose your job unexpectedly. If that happens, would you be prepared?","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/7d2ce6bb-e7c1-4a4f-962c-afa2720549b0/Man-with-tattoos-on-laptop","type":"image","width":4896,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/4b11c5b3d861ab9a/original/Man-with-tattoos-on-laptop.jpg","extension":"jpg"},"title":"Unemployed or unable to work?","subtitle":"Will I still be able to pay for my mortgage?"},"backLink":{"textLink":{"url":"/en/personal/mortgage/your-mortgage","text":"Your ING mortgage"}}},"flexZone":{"flexComponents":[{"componentType":"paragraph","title":"Unemployment","richBody":{"value":"<p><span lang=\"EN-GB\" dir=\"ltr\"><span><span>Are you unemployed or about to lose your job, or is your contract about to expire? If you’re self-employed, you are basically ineligible for benefits. If you are employed and lose your job, you may be entitled to unemployment benefit. This is 70% of your last earned salary for a maximum of 24 months (75% in the first two months). The benefit is capped at the statutory maximum daily wage (rounded off at €58,311 annually in 2021). </span></span></span></p>"}},{"componentType":"paragraph","title":"Occupational disability","richBody":{"value":"<p>In case of long-term occupational disability, you may also be eligible for benefit. If you are an employee, your employer will continue to pay your wages for the first two years. You can read more about benefits <a href=\"https://www.uwv.nl/nl/ziek\">here </a>at the Dutch Employee Insurance Agency UWV. If you cannot afford the monthly payments on your <a data-type=\"internal\" href=\"/en/personal/mortgage/mortgage-calculator\">mortgage </a>from your remaining income or your partner’s income, things can get tricky. How do you avoid having to move? For these situations you can take out occupational disability insurance or cost of living insurance (for occupational disability and/or unemployment). Life is unpredictable, so you may have to deal with all kinds of situations. ING will be happy to help you get started.</p>"}},{"componentType":"linkList","iconTitle":{"title":"Downloads & information"},"textLinks":[{"url":"/particulier/hypotheek/jouw-hypotheek/inkomensrisicos","text":"Income risks (Dutch)"}]}]},"legalZone":{"flexComponents":[{"componentType":"paragraph","title":"Good to know","richBody":{"value":"<p>The English text of the website is a translation of the Dutch original version. This translation is intended for the customers convenience only. In case of any discrepancies between the two versions, the original Dutch version shall prevail. The mortgage offer and contract will be signed in Dutch. Also, all further communication after signing the mortgage contract will be in Dutch. You acknowledge and accept this. If any assistance or clarification is needed, we recommend contacting your mortgage advisor or to call our customer service via the ING app.</p>"}}]}}}