Introduction:

A General Disability Benefit is paid to someone who has a disability that, makes them them unable to work, or that has reduced their earning ability to less than 50% and who has an established medical disability of at least 60% (or at least 40% in certain situations that will be detailed below)
If a disability pension recipient begins to work, the total combined amount he/she receives from work and the pension will always be higher than the disability pension alone
To calculate an estimated disability pension amount on the National Insurance Institute website, click here or call:02-6463555
The full disability pension amount is 3,700 NIS as of 2022.


Instructional video - the National Insurance Institute

A General Disability Pension is a monthly benefit paid to those whose physical, mental or psychological impairments affect their ability to earn a living by at least 50% or in the case of a homemaker, affects her ability to function in the household by at least 50%.

  • To determine the degree of incapacity one must be evaluated by a medical committee who will determine the percentage of medical disability.
  • The process of receiving disability is not a simple one, but is also not overly complicated. See the below diagram as well as the detailed steps outlining how to go about the process.
Tip
Before eligibility for the disability benefit is established and until it is received a person can check if he/she is eligible for income support
Tip
There are several ways to receive professional assistance during the process of making a disability claim.

The National Insurance Institute runs Yad Mechuvenet that provides free guidance and assistance for those who are preparing to appear in front of the medical committee.

For more information on other ways to receive assistance see Free Aid for Filing Disability Claims with the National Insurance Institute.

Pension rates

  • The pension rates as of 2022 are:
  • The pension amount for someone with a disability of 75% or 100% (the full benefit amount) is 3,700 NIS.
  • The pension amount for someone with an incapacity of 74% (partial benefit) is 2,522 NIS.
  • The pension amount for someone with an incapacity of 65% (partial benefit) is 2,273 NIS.
  • The pension amount for someone with an incapacity of 60% (partial benefit) is 2,135 NIS.

Dependents supplement

  • This supplement is paid to the recipient of disability benefits for a spouse or partner whose income does not exceed 6,014 NIS (gross) (as of 2022). A supplement is also paid for the first 2 children.
  • A full supplement is paid in the following cases:
    • One who has a full established incapacity of (100% or 75%)
    • One who has a partial established incapacity (either 74%,65% or 60%) and is employed earning more than 2,216 NIS (gross) per month (as of 2022).
  • A partial supplement is paid, in varying degrees, when the recipient has established a degree of partial incapacity (either 74%,65% or 60%) and is unemployed or who is employed and earning less than 2,216 NIS per month (as of 2022).
  • A homemaker (see definition here with disabilities is eligible to receive the supplement for children, but not the supplement for a spouse.
  • Those who receive a General Disability Pension Dependents' Supplement and have an income that does not come from employment will have that income amount deducted from their supplement. In any case the allowance paid after the reduction will be at least as much as the full allowance amount for an individual (3,700 NIS).
  • Please note: for the period between 01.01.2022 - 31.12.2022, unearned income up to 1,200 NIS will not be deducted (see section 202(b)(3) of the law).
  • Income that doesn't come from employment such as: pension, stipend (including a stipend for someone who is learning full-time), income from property, profits from investments, other allowances from the National Insurance Institute or any other agent, including alimony being paid to the allowance recipient (alimony paid to her for her children will not be deducted from the supplemental allowance she receives for her children).
  • Between 01.03.2020-31.12.2022, unemployment payments are considered to be earned income.
    • Non-work income is also considered the income of the self-employed that does not exceed 15% of the average wage (1,583 NIS per month, as of 2022), if they are engaged in their occupation less than 12 hours a week.
Example
  • A woman receives the full disability allowance (3,700 NIS), and is entitled to a dependents' supplement for her 2 children (1,908 NIS).
  • She receives a total of 5,608 NIS a month which includes her disability pension plus the dependents supplement.
  • She also receives alimony (that is not for her children) in the amount of 1,000 NIS per month.
  • The alimony amount is subtracted from the dependents supplement amount, and therefore the supplement amount will be 908 NIS.
  • The total pension she will receive (the full disability pension plus the decreased supplement amount) is 4,608 NIS).
  • Between 01.01.2022 and 31.12.2022 the alimony paid to her won't be deducted from her dependents supplement because it is less than 1,200 NIS.
Example
  • A man receives the full disability allowance (3,700 NIS) and is entitled to a dependents' supplement for his wife (1,192 NIS).
  • He receives a total pension of 4,892 NIS which includes the pension plus the dependents supplement.
  • He has in his possession an apartment that he rents out for 2,000 NIS a month.
  • The amount deducted because of the income from the apartment will be 1,192 NIS, such that the pension he receives after the deduction will be at least the amount of the full pension amount that he receives as a single.
  • Between 01.01.2022 and 31.12.2022 he will only have 800 NIS deducted because up to 1,200 NIS unearned income is not deducted.
  • For more information about eligibility and supplement rates, see General Disability Pension Dependents' Supplement.
  • Payment to an institution on behalf of a recipient that lives there

    • If those entitled to a pension are living or hospitalized in a public institution (owned / supervised by the Ministry of Health / Ministry of Welfare) and more than half of the person's expenses are financed by the institution, the pension will be divided between the recipients and the institution.
    • The amount given to the institution will be calculated according to the rate of eligibility of the recipient of the benefit, the nature of the hospitalization, and whether a supplement is paid to the dependents.
    • The institution that is meant to get the benefit because of a recipient is responsible for sending the request to divide the benefit to the National Insurance Institute.

    Rates from Previous Years

    Wage Incentive Pension

    Who is Eligible?

    • He/she has a physical, mental or psychological impairment from an illness, an accident or a birth defect, and Determining Disability by a Medical Committee for General Disability of at least 60% (or at least 40%, if one of his impairments is at a rate of at least 25%).
    • It has been established that he/she cannot work or has an earning capacity which has been reduced by 50% or more due to the impairment and has an established degree of incapacity or 60%, 65%, 74% or 100%.
    • He/she has no working income as an independent or a salaried employee or has a working income that does not exceed 6,331 NIS per month, as of 2022, (not including Sick Pay from the employer). Between 01.03.2020 and 31.12.2022, unemployment payments are considered earned income, as long as they don't effect the recipients eligibility for the benefit.

    Additional information

    • Soldiers, army service volunteers or National Service volunteers:
      • Those who submitted their first claim for a disability pension during the period of service, eligibility will be examined like any other insured. Information about their performance in the framework in which they serve may be required to assess earning capacity.
      • For those granted a disability pension indefinitely before starting their service, the benefit will not be reduced as during their time of service.
      • Those who have been determined to have a temporary medical disability and a degree of incapacity for a limited time will undergo continued medical diagnosis to assess the continued eligibility.
    • Those entitled to pension or compensation from the Ministry of Defense because of one event and to a disability allowance from the National Insurance institute because of a different event, are entitled to both (for example someone that receives compensation from the Ministry of Defense because of an injury during his military service is also entitled to a disability allowance from the National Insurance institute for medical disabilities that weren't caused from that injury). Someone who is entitled to payments from both the Ministry of Defense and the National Insurance institute for the same event must choose one.
    • New Immigrants (Olim):
      • Someone whose incapacity to earn was caused abroad before he/she became and Israeli citizen will be eligible for the allowance once 12 months have passed from their immigration (aliyah). (The can submit the claim for a disability benefit 9 months after their aliyah.)
      • Someone who is very dependent on others for daily functioning is entitled (based on the dependence test) to to a special services allowance for an immigrant from the 91st day of their immigration and a disability pension from the 181st day, until the end of the year for their immigration. For additional information see Special Services Allowance and Disability Pension for Immigrants.
    • Returning citizens may be entitled to the allowanced in certain circumstances even if the earning incapacity started during the time they weren't in Israel. For additional information see [[he:קצבת נכות כללית לתושב חוזר}General Disability Pension for Returning Citizens]].
    • Those who received a general disability pension until they became entitled to an old-age pension will receive an old-age pension for a disabled person that is not less than the amount of the disability pension they received before. For information on the eligibility of disability pension recipients who have reached retirement age, see Old Age Disability Pension.
    • Those who were recognized as disabled less than 90 days before they reached retirement age are not entitled to a disability pension (and will subsequently not be entitled to a disability old-age pension), even if they have been determined to have a degree of incapacity of 100%. For more information, see "court rulings" below.
    • Those who also meet the eligibility conditions for an additional benefit from the National Insurance Institute can check whether it is possible to receive the two benefits at the same time, using the National Insurance Institute's calculator.
    • For details on continuing to receive the allowance when going abroad, see below.
    Tip
    Income of the spouse does not impact basic eligibility for the allowance but may impact only on the eligibility for a dependents supplement.

    Required Preparation

    • Those suffering from multiple ailments and disabilities are advised to prepare relevant documentation and tests for each of the disabilities in order to increase the percentage of disability that will be established by the claim.
    • The National Insurance institute calculator gives you the option to receive a detailed list of the medical documents you should include in you claim based on your medical diagnosis.
    • Likewise, required documents for specific illnesses can be found on their specific pages.
    Example
    • If a person submits the application for heart disease, it is recommended to examine thoroughly whether he/she is suffering from another illness /disability that will give him/her additional medical disability percentages.
    • In the above example, let's say that in addition to heart disease, the person also suffers from diabetes and subsequently submitted to the committee the documents required regarding the diabetes.
    • Assume the the medical committee determines :
      • 40% disability with respect to the heart disease
      • 20% disability with respect to the diabetes
    • According to these figures, a weighted medical disability of 52% will be determined.
    • For an explanation of the calculation method and additional information, see weighted medical disability as determined by the National Insurance Institute for multiple diseases

    How to Claim it?

    What Now? For Further Details Notes
    The claim must be submitted as a general disability pension Submitting a General Disability Pension Claim
    • Find out if you are entitled to an expedited processI
    • It is important to attach all required documents
    After the claim is filed, you will be sent a summons to a medical committee. General Disability Medical Committee
    • It is important to get there at the time assigned, or to notify in advance of inability to arrive.
    • In certain cases, the documents sent will be sufficient enough to determine the percentage of disability and one will not need to appear before the medical committee.
    Determining Disability by a Medical Committee for General Disability
    • In the following cases, one's case will be transferred to a claims officer to determine the degree of disability:
      • If the medical committee determined that the medical disability is at least 60%.
      • If the medical committee determined that medical disability is at least 40%, and that one impairment is at least 25%.
      • For a homemaker, if the medical committee determined that the medical disability is at least 50%.
    • There are rights granted with respect to the percentage of medical disability, independent of the degree of incapacity and eligibility for disability pension.
    • In cases where temporary disability is established, towards the end of the established period of disability, updated medical information will be requested and the person will be invited to appear before a medical committee again.
    Claims Officer's decision and Establishing the Degree of Incapacity (in cases that the minimum degree of medical disability was determined)
    • The Claim's Officer rechecks income, with respect to the percentage of medical disability prescribed to you.
    • The Claim's Officer determines to what extent your medical disability affects your ability to work and to earn (for a housewife, the officer makes a determination based upon ability to function in the home). This determination is based upon the doctor's recommendation and the recommendation of the rehabilitation officer.
    *In the case where a recommendation is needed from a rehabilitation officer, they will be summoned for an interview.
    • If temporary medical disability is established or professional rehabilitation treatment has not yet been completed, the claims officer can establish a temporary degree of incapacity.
    Receipt of the notice
    • An Important Reminder:
      • Your eligibility for a pension is the result of the percentage of disability determined by the medical committee and the degree of incapacity to work determined by the claims officer.
      • These two decisions may be appealed, as described below.
    Allowance payment to those eligible
    • For one who the degree of disability entitlement has been determined, the benefit will be paid 90 days after the date the degree of incapacity has been determined.
    • Sick Pay is considered earned income and will be taken into consideration when determining the benefit amount.
    • The General Disability Pension is paid on the 28th of the month to the bank account of the pension recipient, or to the account of the guardian.
    • Retroactive entitlement to payment of the allowance will be for a maximum of 12 months prior to the filing of the claim. (For example: if the claim was submitted on 01.08.2020 and was approved, the recipient is only entitled to retroactive payments from 01.08.2019, even if the disability existed before then.)
    *Someone that has an established disability of 100% for a period of at least 6 months is eligible to be a disability allowance from the 31st day from when disability was established.
      • The allowance from the 31st day will be paid after 91 days have passed after disability was established.
      • Beginning 01.01.2022, those also eligible in the first 90 days for a Children's Disability Benefit or a Special Services Benefit (Attendance Allowance) will receive the highest of the three amounts (Children's disability benefit/disability allowance + special services benefit/disability allowance) for the period between 31 and 90 days.
    If you are not satisfied with the decision of the medical committee, you can appeal the decision within a 60 day period of time. Appealing a General Disability Medical Committee Decision
    • According to the National Insurance Law, in cases where the medical committee determined less than 80% disability, one can appeal the decision.
    • Additionally, the court has decided in cases which the degree of disability is higher, one can still file a claim to appeal the decision of the medical committee.
    • It is preferable to submit the appeal on the date prescribed by law (within 60 days), to the extent possible, but the National Insurance Institute does not reject appeals filed within 90 days.
    If you are not satisfied with the decision of the Appeals Committee, you may submit an appeal to the regional labor courts within 60 days (for legal questions only). One may request free legal aid from the Department of Legal Aid in the Justice Department.
    If you are not satisfied with the degree of incapacity prescribed to you, you will in some cases be eligible to appeal the decision of the claims officer within 90 days. Appealing a decision relating to disability
    • You can appeal two types of decisions regarding the degree of incapacity:
      1. a decision that the ability to work has not been list, or that loss of ability to work is less than 50%.
      2. a decision that the level of inability to work does not exceed 74%.
    • In the case that the Medical commission is considering reducing the degree of incapacity, one is entitled to cancel the appeal and leave the degree of incapacity as determined by the claims officer.
    If you are not satisfied with the decision of the Appeals Committee, you may submit an appeal to the regional labor courts within 60 days (for legal questions only). One may request free legal aid from the Department of Legal Aid in the Justice Department.
    * If you wish to appeal a decision of the claims officer not related to the level of incapacity (issues such as periods in which you worked, your age, your education, your salary etc.').
    • You can file a request for reevaluation of determination by the claims commission within 6 months from the day you received notification of the rejection of your pension by a claims officer.
    • Alternatively, if you are not satisfied with the results of the Claims Committee hearing, you can submit an appeal to the regional labor courts within 12 months from when you received notification of the rejection of your pension by a claims officer.
    • The Claims Committee is only authorized to recommend that the claims officer re-consider it's decision (in cases where it finds this to be appropriate).
    • In appealing the regional labor courts, you can request free legal aid from the Department of Legal Aid in the Justice Department.
    • If the claim for a pension was rejected because the person has not made National Insurance payments, they may be entitled to a justice grant.
    One may refile a claim after 6 months, or if there has been a deterioration in health condition with no waiting period required. Reexamination of Disability Pension Eligibility If your health condition improves, the National Insurance Institute is permitted to initiate a reexamination.

    Payments when Abroad

    • One who receives the pension payment and goes abroad will continue to receive the payment in the month that s/he has gone abroad, from the beginning of the following month, and for a period of three further months.
    • Payment abroad can continue after this time period under the following circumstances:
      • the recipient or his/her spouse receives the pension by an Israeli employer abroad.
      • the recipient is receiving special medical treatment abroad.
      • a stay in a country which has signed a treaty with Israel that includes the disability insurance industry (for details,see National Insurance Institute's Website)
    • After returning to Israel, the payment of the pension will be renewed, beginning on the 1st day of the month in which s/he returned.

    Please Note


    Aid Organizations

    For a list of agencies who help people with disabilities, see here.


    Government Agencies

    Court Rulings

    Laws and Regulations

    Additional Publications

    Credits