{"id":6135,"date":"2022-03-17T12:58:57","date_gmt":"2022-03-17T11:58:57","guid":{"rendered":"https:\/\/www.ebp.be\/what-are-the-benefits-of-disability-insurance\/"},"modified":"2026-04-13T12:31:40","modified_gmt":"2026-04-13T11:31:40","slug":"les-avantages-dune-assurance-incapacite-de-travail","status":"publish","type":"post","link":"https:\/\/www.ebp.be\/fr\/les-avantages-dune-assurance-incapacite-de-travail\/","title":{"rendered":"Les avantages d\u2019une assurance incapacit\u00e9 de travail"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"6135\" class=\"elementor elementor-6135 elementor-1054\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-70573849 e-flex e-con-boxed e-con e-parent\" data-id=\"70573849\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6cd149d elementor-widget elementor-widget-text-editor\" data-id=\"6cd149d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"auto\">De plus en plus nombreuses sont les entreprises confront\u00e9es \u00e0 des travailleurs absents pour cause d\u2019incapacit\u00e9 de travail. La Belgique totalise actuellement plus de 400.000 travailleurs absents de longue dur\u00e9e. Ce qui revient \u00e0 7 travailleurs sur 100 en moyenne, soit plus du double par rapport \u00e0 il y a 10 ans. La premi\u00e8re hausse sensible a \u00e9t\u00e9 observ\u00e9e en 2016. Malgr\u00e9 l\u2019aplatissement de la courbe en 2019, le pourcentage demeure tr\u00e8s \u00e9lev\u00e9.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Le burnout ou d\u2019autres troubles psychologiques constituent une cause r\u00e9currente d\u2019incapacit\u00e9 de travail de longue dur\u00e9e. Pour y faire face, l\u2019employeur a la possibilit\u00e9 de conclure une assurance qui permet d\u2019accompagner activement les travailleurs dans le processus de gu\u00e9rison et d\u2019acc\u00e9l\u00e9rer leur retour sur le lieu de travail. Dans ce blog, Katleen Breynaert, Health &amp; Reintegration Officer chez AG Insurance, nous montre, \u00e0 la lumi\u00e8re du programme return-to-work d\u00e9velopp\u00e9 par sa compagnie, quels sont les avantages d\u2019une assurance incapacit\u00e9 de travail.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">La charge de travail en constante croissance est l\u2019une des causes de ce ph\u00e9nom\u00e8ne. Chez un travailleur sur trois en incapacit\u00e9 de travail de longue dur\u00e9e, elle s\u2019est traduite par de profonds troubles psychiques, comme le burnout. M\u00eame les travailleurs les plus productifs peuvent en \u00eatre affect\u00e9s. Face \u00e0 cette probl\u00e9matique grandissante, AG Insurance a mis au point une assurance incapacit\u00e9 de travail ciblant sp\u00e9cifiquement les travailleurs clou\u00e9s chez eux par des troubles d\u2019ordre psychique. Un programme d\u2019accompagnement actif qui permet de d\u00e9velopper un trajet de gu\u00e9rison sur mesure visant le retour au travail.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Offrir une assurance incapacit\u00e9 de travail assure un win-win \u00e0 toutes les parties concern\u00e9es. L\u2019employeur, tout d\u2019abord, continue \u00e0 mieux prot\u00e9ger financi\u00e8rement ses travailleurs. Sans assurance incapacit\u00e9 de travail, c\u2019est une partie significativement plus petite du salaire ordinaire qui est rembours\u00e9e. Plus l\u2019incapacit\u00e9 de travail dure longtemps, plus l\u2019\u00e9cart de revenus se creuse, puisque durant la premi\u00e8re ann\u00e9e, 60% du salaire brut est rembours\u00e9, avant de chuter \u00e0 40% l\u2019ann\u00e9e suivante. Dans la plupart des cas, ces soucis financiers ne sont pas de nature \u00e0 am\u00e9liorer le bien-\u00eatre \u00e9motionnel ni le processus de gu\u00e9rison.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">En souscrivant une telle assurance, l\u2019employeur peut d\u2019autre part proposer une aide directement effective. Les soins et la reprise du travail deviennent ainsi plus accessibles. Le travailleur ne doit plus se mettre lui-m\u00eame en qu\u00eate d\u2019un th\u00e9rapeute et b\u00e9n\u00e9ficie, gr\u00e2ce \u00e0 l\u2019assurance, d\u2019un acc\u00e8s rapide aux soins sp\u00e9cialis\u00e9s. Sans cette aide, les chances de r\u00e9int\u00e9gration rapide au travail sont t\u00e9nues.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Il est important de noter que le travailleur a \u00e9galement tout int\u00e9r\u00eat \u00e0 reprendre rapidement le travail. Cette reprise lui apporte non seulement un gain financier, mais influence aussi son bien-\u00eatre personnel. Le travail apporte de la structure et un but dans la vie. Gr\u00e2ce \u00e0 un accompagnement personnel et \u00e0 un traitement sur mesure, le travailleur acquerra au fil de ce processus une meilleure connaissance de lui-m\u00eame, mais aussi de nouvelles aptitudes. La gestion du stress y occupe bien entendu une place centrale.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259,&quot;469777462&quot;:[2424],&quot;469777927&quot;:[0],&quot;469777928&quot;:[1]}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Globalement, l\u2019assurance incapacit\u00e9 de travail r\u00e9pond \u00e0 nos attentes actuelles en mati\u00e8re de responsabilit\u00e9 sociale et soci\u00e9tale de l\u2019entreprise. Elle engendre en outre une \u00e9conomie de co\u00fbts indirecte et accro\u00eet les chances de r\u00e9int\u00e9gration rapide au travail.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p><p><i><span data-contrast=\"auto\">Katleen Breynaert, Health &amp; Reintegration Officer chez AG Insurance, figurait parmi les intervenants du\u00a0National Tender Day 2020.\u00a0<\/span><\/i><i><span data-contrast=\"auto\">Vous souhaitez en savoir plus sur le National Tender Day ou rester au courant de nos\u00a0<a href=\"\/fr\/evenements\/\">autres \u00e9v\u00e9nements ?<\/a>\u00a0<\/span><\/i><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>De plus en plus d\u2019entreprises sont confront\u00e9es \u00e0 des salari\u00e9s absents pour cause d\u2019incapacit\u00e9 de travail. En Belgique, il y a actuellement plus de 400.000 absents de longue dur\u00e9e du lieu de travail. En moyenne, cela repr\u00e9sente 7 salari\u00e9s sur 100. C\u2019est plus du double par rapport \u00e0 il y a 10 ans. La premi\u00e8re forte augmentation a \u00e9t\u00e9 observ\u00e9e en 2016. M\u00eame si les chiffres se sont stabilis\u00e9s en 2019, le pourcentage reste toujours tr\u00e8s \u00e9lev\u00e9.<\/p>\n","protected":false},"author":8,"featured_media":1057,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[75,85,64],"tags":[65,67],"class_list":["post-6135","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-fr","category-juridique","category-quest-ce-que-cest","tag-juridique","tag-quest-ce-que-cest"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Les avantages d\u2019une assurance incapacit\u00e9 de travail - EBP Website<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.ebp.be\/fr\/les-avantages-dune-assurance-incapacite-de-travail\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Les avantages d\u2019une assurance incapacit\u00e9 de travail - EBP Website\" \/>\n<meta property=\"og:description\" content=\"De plus en plus d\u2019entreprises sont confront\u00e9es \u00e0 des salari\u00e9s absents pour cause d\u2019incapacit\u00e9 de travail. En Belgique, il y a actuellement plus de 400.000 absents de longue dur\u00e9e du lieu de travail. En moyenne, cela repr\u00e9sente 7 salari\u00e9s sur 100. C\u2019est plus du double par rapport \u00e0 il y a 10 ans. La premi\u00e8re forte augmentation a \u00e9t\u00e9 observ\u00e9e en 2016. 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En Belgique, il y a actuellement plus de 400.000 absents de longue dur\u00e9e du lieu de travail. En moyenne, cela repr\u00e9sente 7 salari\u00e9s sur 100. C\u2019est plus du double par rapport \u00e0 il y a 10 ans. La premi\u00e8re forte augmentation a \u00e9t\u00e9 observ\u00e9e en 2016. 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