> 1y sounds like a long time, esp for smaller companies (like if you have say 5 ppl on a payroll). I wonder if they can insure against such a risk (say if an in

> 1y sounds like a long time, esp for smaller companies (like if you have say 5 ppl on a payroll). I wonder if they can insure against such a risk (say if an insurer can cover the salary if absence longer than a month). Yes, there are insurance packages available for this. In the Netherlands, for instance, where the support period is two years, it's common for businesses to take out verzuimverzekering or 'absence insurance'. It usually only applies to line employees though, not those are director level or above.