e-EFKA Sickness Benefit for Self-Employed Persons

28 January, 2026 09:27

According to recent changes to the e-EFKA benefits regulations coming into effect in 2026, a unified framework for the sickness benefit for all self-employed professionals (formerly OAEE, ETAA, OGA) is being established for the first time.

---

📋 Basic Conditions & Details (2026)

▶️ Start of Payment: The benefit is paid from the 31st day of incapacity for work onwards.

⏳ Duration: Up to 90 days for common illness and up to 120 days in the case of a workplace accident.

✅ Insurance Compliance: Settlement of insurance contributions is mandatory. In the case of outstanding debts, the benefit will not be paid.

🗂️ Insurance Period: At least 5 months of insurance are required in the previous calendar year or within the last 15 months before the illness.

---

💶 Benefit Amount

📐 The amount is calculated based on the imputed insurance class and family status:

🔝 Maximum Limit: The daily benefit cannot exceed 70% of the imputed daily wage of the 8th insurance class (approximately €23.40/day).

➕ Supplement: An increase of +10% is provided for each dependent family member (up to 4 members).

---

🛠️ Process

🩺 Medical Certificate: Incapacity is certified through the electronic prescription system and approved by a medical committee.

💻 Application: Submitted electronically through the e-EFKA platform within 8 months of the certificate being issued.

• Share on:
WhatsApp Deel Tweet Pin it Messenger Email