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Predictors of work disability among self-employed

Onderzoeker E.C. (Liesbeth) Wijnvoord, insurance physician RGA
Begeleiders Prof. dr. J.J.L. van der Klink
dr. S. Brouwer

At the application stage of disability insurance, it is of great importance to make a correct estimate of the risk an applicant will become disabled during the length of the insurance contract. Until now risk estimates have been made based on medical facts, a health declaration and a medical examination. However, disability is not just determined by biomedical factors but by psychological factors and social factors as well.

This research project aims to explore biomedical, psychological and social predictors of diability and to offer insight into weighing these factors to make a correct risk estimate at underwriting for disability insurance.
- Biopsychosocial model used at underwiting, targetted at psychological factors
- Is it possible to use the model for “problematic sickness absence” for self employed? Do the aspects of “problematic sickness absence” predict disability?
- Are exclusion clauses based on the medical model important for risk assessment?
- Family and work roles: men, women and the interaction between work and family
- Value of medical data collected at application stage
- Characterstics of work and match between work and the insured.

Questionnaires wil be sent to the insured. Data concerning an insured’s health at application stage and concerning periods of disability will be retrieved from files.

Time Schedule
January 2011 up to August 2015


Postbus 2160
3430 CV Nieuwegein

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