From joining to a decision
A transparent process in five steps — equally traceable for members and for the board.
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1. Join
Choose a voluntary contribution model: you alone, your employer alone, or both together.
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2. Contribute
Automatic monthly collection via SEPA mandate, topped up any time with additional voluntary payments.
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3. Apply for support
In the event of unemployment, incapacity for work, illness, a need for care, or a death, you (or your surviving dependants) submit your request with supporting documents.
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4. AI triage
A recommendation index weighs voluntary contribution consistency, urgency, and current fund health — explainable, but non-binding.
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5. Board decision
A board member reviews the recommendation, decides independently, and documents the rationale in writing.
Still have questions about the process?
The Help Center answers the most common questions about voluntary contributions, applications, and decisions.