Health insurance | Hospitals/Health care providers | Employers | Patients/Employees | The state | Pension insurance scheme | |
---|---|---|---|---|---|---|
Responsibilities in RTW | General responsibility for reimbursing necessary health care | Sick pay for first 2 years, reintegration of sick employees into the workplace | Sick pay after 2 years of inability to work | |||
Carrying the costs of RTW interventions | Reimbursement for patients with multidisciplinary rehabilitation need | Intervention costs | ||||
Receiving the financial returns of RTW | Lower future health care costs, however, high budget impact | Fewer productivity losses, no replacement for employee needed | Ability to generate an income | Less early-retirement-pension payments | ||
- | -- | - | + | -- | - | |
Incentive for financing RTW for cancer patientsa | Lower future health care costs are long-run, considerable budget impact | Carrying the costs, but not receiving financial returns. | Status quo is financially beneficial for employers. | Incentive for an acceptable out-of-pocket payment | Not receiving any financial returns | Status quo is financially beneficial. |