{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,3,18]],"date-time":"2026-03-18T07:29:34Z","timestamp":1773818974315,"version":"3.50.1"},"reference-count":34,"publisher":"Springer Science and Business Media LLC","issue":"3","license":[{"start":{"date-parts":[[2022,1,5]],"date-time":"2022-01-05T00:00:00Z","timestamp":1641340800000},"content-version":"tdm","delay-in-days":0,"URL":"https:\/\/creativecommons.org\/licenses\/by\/4.0"},{"start":{"date-parts":[[2022,1,5]],"date-time":"2022-01-05T00:00:00Z","timestamp":1641340800000},"content-version":"vor","delay-in-days":0,"URL":"https:\/\/creativecommons.org\/licenses\/by\/4.0"}],"funder":[{"name":"Institute for Employee Benefits Schemes"}],"content-domain":{"domain":["link.springer.com"],"crossmark-restriction":false},"short-container-title":["J Occup Rehabil"],"published-print":{"date-parts":[[2022,9]]},"abstract":"<jats:title>Abstract<\/jats:title><jats:p><jats:italic>Purpose<\/jats:italic>This study explores the concept social insurance literacy (SIL) and corresponding questionnaire (SILQ) among workers receiving disability benefits and the comprehensibility of the social security institute (SSI), and examines associations with socio-economic characteristics.<jats:italic>Methods<\/jats:italic>1753 panel members of the Dutch SSI were approached to complete the SILQ-NL37. This measure was based on the original SILQ. The SILQ-NL37 contains domains for obtaining, understanding and acting upon information for both individual SIL and system comprehensibility. A higher score means better SIL or comprehensibility. Data on age, gender, education, living situation, Dutch skills and time receiving disability benefits were also collected. With k-means clustering, groups with adequate and limited SIL were created. Associations with socio-economic characteristics were examined with independent t-tests and linear regression analyses for both the total scores and within domain scores.<jats:italic>Cronbach \u03b1<\/jats:italic>and<jats:italic>Spearman rho\u2019s<\/jats:italic>indicated measurement properties were good to acceptable for the SILQ-NL37.<jats:italic>Results<\/jats:italic>Thirty-five percent of the 567 participants were in the group with limited SIL. Higher individual SILQ-NL37 scores were associated with having a partner (p\u2009=\u20090.018) and northeastern living region (p\u2009=\u20090.031). Higher scores for obtaining (p\u2009=\u20090.041) and understanding (p\u2009=\u20090.049) information were associated with female sex, and for acting on information with younger age (p\u2009=\u20090.020). People with limited Dutch skills (p\u2009=\u20090.063) and a partner (p\u2009=\u20090.085) rated system comprehensibility higher.<jats:italic>Conclusions<\/jats:italic>According to the SILQ-NL37 scores, about 35% of the panel members have limited ability to obtain, understand and act upon social insurance systems information. Limited SIL is associated with several socio-economic factors. Future researches should study the concept in a more representative sample, and in different countries and social insurance contexts.<\/jats:p>","DOI":"10.1007\/s10926-021-10018-3","type":"journal-article","created":{"date-parts":[[2022,1,5]],"date-time":"2022-01-05T10:02:47Z","timestamp":1641376967000},"page":"494-504","update-policy":"https:\/\/doi.org\/10.1007\/springer_crossmark_policy","source":"Crossref","is-referenced-by-count":2,"title":["Social Insurance Literacy of Dutch Workers Receiving Disability Benefits and its Associations with Socio-Economic Characteristics"],"prefix":"10.1007","volume":"32","author":[{"ORCID":"https:\/\/orcid.org\/0000-0001-8807-3068","authenticated-orcid":false,"given":"M. D.","family":"Boonstra","sequence":"first","affiliation":[],"role":[{"role":"author","vocabulary":"crossref"}]},{"given":"F. I.","family":"Abma","sequence":"additional","affiliation":[],"role":[{"role":"author","vocabulary":"crossref"}]},{"given":"L.","family":"Wilming","sequence":"additional","affiliation":[],"role":[{"role":"author","vocabulary":"crossref"}]},{"given":"C.","family":"St\u00e5hl","sequence":"additional","affiliation":[],"role":[{"role":"author","vocabulary":"crossref"}]},{"given":"E.","family":"Karlsson","sequence":"additional","affiliation":[],"role":[{"role":"author","vocabulary":"crossref"}]},{"given":"S.","family":"Brouwer","sequence":"additional","affiliation":[],"role":[{"role":"author","vocabulary":"crossref"}]}],"member":"297","published-online":{"date-parts":[[2022,1,5]]},"reference":[{"key":"10018_CR1","doi-asserted-by":"publisher","DOI":"10.1080\/09638288.2020.1810787","author":"JH Sengers","year":"2020","unstructured":"Sengers JH, Abma FI, St\u00e5hl C, Brouwer S. Work capacity assessments and efforts to achieve a job match for claimants in a social security setting: an international inventory. Disabil Rehabil. 2020. https:\/\/doi.org\/10.1080\/09638288.2020.1810787.","journal-title":"Disabil Rehabil."},{"key":"10018_CR2","doi-asserted-by":"publisher","first-page":"160","DOI":"10.1007\/s10926-014-9513-x","volume":"25","author":"E Kilgour","year":"2015","unstructured":"Kilgour E, Kosny A, McKenzie D, Collie A. Interactions between injured workers and insurers in workers\u2019 compensation systems: a systematic review of qualitative research literature. J Occup Rehabil. 2015;25:160\u201381. https:\/\/doi.org\/10.1007\/s10926-014-9513-x.","journal-title":"J Occup Rehabil."},{"key":"10018_CR3","doi-asserted-by":"publisher","first-page":"181","DOI":"10.1016\/j.socscimed.2017.08.031","volume":"190","author":"HJ Whittle","year":"2017","unstructured":"Whittle HJ, Palar K, Ranadive NA, Turan JM, Kushel M, Weiser SD. \u201cThe land of the sick and the land of the healthy\u201d: Disability, bureaucracy, and stigma among people living with poverty and chronic illness in the United States. Soc Sci Med. 2017;190:181\u20139.","journal-title":"Soc Sci Med."},{"key":"10018_CR4","doi-asserted-by":"publisher","first-page":"339","DOI":"10.1136\/jech-2015-206209","volume":"70","author":"B Barr","year":"2016","unstructured":"Barr B, Taylor-Robinson D, Stuckler D, Loopstra R, Reeves A, Whitehead M. \u2018First, do no harm\u2019: are disability assessments associated with adverse trends in mental health? a longitudinal ecological study. J Epidemiol Community Health. 2016;70:339\u201345.","journal-title":"J Epidemiol Community Health."},{"key":"10018_CR5","doi-asserted-by":"publisher","first-page":"EHI.S858","DOI":"10.4137\/EHI.S858","volume":"2","author":"E S\u00f6derberg","year":"2008","unstructured":"S\u00f6derberg E, Mussener U. Entitlement to sickness benefits in Sweden: the social insurance officers experiences. Environ Health Insights. 2008;2:EHI.S858.","journal-title":"Environ Health Insights."},{"key":"10018_CR6","doi-asserted-by":"publisher","DOI":"10.1080\/09638288.2019.1672111","author":"C St\u00e5hl","year":"2019","unstructured":"St\u00e5hl C, Karlsson EA, Sandqvist J, Hensing G, Brouwer S, Friberg E, et al. Social insurance literacy: a scoping review on how to define and measure it. Disabil Rehabil. 2019. https:\/\/doi.org\/10.1080\/09638288.2019.1672111.","journal-title":"Disabil Rehabil."},{"key":"10018_CR7","doi-asserted-by":"publisher","first-page":"97","DOI":"10.7326\/0003-4819-155-2-201107190-00005","volume":"155","author":"ND Berkman","year":"2011","unstructured":"Berkman ND, Sheridan SL, Donahue KE, Halpern DJ, Crotty K. Low health literacy and health outcomes: an updated systematic review. Ann Intern Med. 2011;155:97\u2013107. https:\/\/doi.org\/10.7326\/0003-4819-155-2-201107190-00005.","journal-title":"Ann Intern Med."},{"key":"10018_CR8","doi-asserted-by":"publisher","first-page":"43","DOI":"10.1080\/10810730.2015.1131776","volume":"21","author":"H Levy","year":"2016","unstructured":"Levy H, Janke A. Health literacy and access to care. J Health Commun. 2016;21:43\u201350. https:\/\/doi.org\/10.1080\/10810730.2015.1131776.","journal-title":"J Health Commun."},{"key":"10018_CR9","doi-asserted-by":"publisher","first-page":"19","DOI":"10.5993\/AJHB.31.s1.4","volume":"31","author":"MK Paasche-Orlow","year":"2007","unstructured":"Paasche-Orlow MK, Wolf MS. The causal pathways linking health literacy to health outcomes. Am J Health Behav. 2007;31:19\u201326.","journal-title":"Am J Health Behav."},{"key":"10018_CR10","doi-asserted-by":"publisher","first-page":"860","DOI":"10.1177\/1090198108322819","volume":"36","author":"C von Wagner","year":"2009","unstructured":"von Wagner C, Steptoe A, Wolf MS, Wardle J. Health literacy and health actions: a review and a framework from health psychology. Heal Educ Behav. 2009;36:860\u201377. https:\/\/doi.org\/10.1177\/1090198108322819.","journal-title":"Heal Educ Behav."},{"key":"10018_CR11","doi-asserted-by":"publisher","first-page":"179","DOI":"10.1186\/1471-2458-13-179","volume":"13","author":"I van der Heide","year":"2013","unstructured":"van der Heide I, Rademakers J, Schipper M, Droomers M, S\u00f8rensen K, Uiters E. Health literacy of Dutch adults: a cross sectional survey. BMC Public Health. 2013;13:179. https:\/\/doi.org\/10.1186\/1471-2458-13-179.","journal-title":"BMC Public Health."},{"key":"10018_CR12","first-page":"155","volume":"4","author":"P Bhushan","year":"2013","unstructured":"Bhushan P, Maduri Y. Financial literacy and its determinants. Int J Eng Bus Enterp Appl. 2013;4:155\u201360.","journal-title":"Int J Eng Bus Enterp Appl."},{"key":"10018_CR13","doi-asserted-by":"publisher","first-page":"898","DOI":"10.1080\/0963828031000122203","volume":"25","author":"C Roberts-Yates","year":"2003","unstructured":"Roberts-Yates C. The concerns and issues of injured workers in relation to claims\/injury management and rehabilitation: the need for new operational frameworks. Disabil Rehabil. 2003;25:898\u2013907. https:\/\/doi.org\/10.1080\/0963828031000122203.","journal-title":"Disabil Rehabil."},{"key":"10018_CR14","doi-asserted-by":"publisher","first-page":"427","DOI":"10.1016\/j.ijlp.2007.06.013","volume":"30","author":"K Lippel","year":"2007","unstructured":"Lippel K. Workers describe the effect of the workers\u2019 compensation process on their health: a Qu\u00e9bec study. Int J Law Psychiatry. 2007;30:427\u201343.","journal-title":"Int J Law Psychiatry."},{"key":"10018_CR15","unstructured":"European Commission. Netherlands - invalidity benefits. Available from: https:\/\/ec.europe.eu\/social\/main.jsp?catId=1122&langld=en&intPageId=4990"},{"key":"10018_CR16","unstructured":"de Jong P, Everhardt T, Schrijvershof C. Duurzaam niet duurzaam? Onderzoek naar niet-duurzaam volledig arbeidsongeschikt verklaarden. The Hague; 2013. Available from: https:\/\/zoek.officielebekendmakingen.nl\/blg-232604.pdf"},{"key":"10018_CR17","doi-asserted-by":"publisher","first-page":"30","DOI":"10.5414\/CN108062","volume":"81","author":"AC Ricardo","year":"2014","unstructured":"Ricardo AC, Yang W, Lora CM, Gordon EJ, Diamantidis CJ, Ford V, et al. Limited health literacy is associated with low glomerular filtration in the Chronic Renal Insufficiency Cohort (CRIC) study. Clin Nephrol. 2014;81:30\u20137.","journal-title":"Clin Nephrol"},{"key":"10018_CR18","doi-asserted-by":"publisher","first-page":"1053","DOI":"10.1093\/eurpub\/ckv043","volume":"25","author":"K S\u00f8rensen","year":"2015","unstructured":"S\u00f8rensen K, Pelikan JM, R\u00f6thlin F, Ganahl K, Slonska Z, Doyle G, et al. Health literacy in Europe: comparative results of the European health literacy survey (HLS-EU). Eur J Public Health. 2015;25:1053\u20138. https:\/\/doi.org\/10.1093\/eurpub\/ckv043.","journal-title":"Eur J Public Health."},{"key":"10018_CR19","doi-asserted-by":"publisher","first-page":"1874","DOI":"10.1111\/joca.12270","volume":"53","author":"D Cucinelli","year":"2019","unstructured":"Cucinelli D, Trivellato P, Zenga M. Financial literacy: the role of the local context. J Consum Aff. 2019;53:1874\u2013919. https:\/\/doi.org\/10.1111\/joca.12270.","journal-title":"J Consum Aff."},{"key":"10018_CR20","doi-asserted-by":"crossref","first-page":"54","DOI":"10.47381\/aijre.v26i1.6","volume":"26","author":"P Ali","year":"2016","unstructured":"Ali P, Anderson ME, McRae CH, Ramsay I. The financial literacy of young people: socio-economic status, language background and the rural-urban chasm. Aust Int J Rural Educ. 2016;26:54\u201366.","journal-title":"Aust Int J Rural Educ."},{"key":"10018_CR21","doi-asserted-by":"publisher","first-page":"1070","DOI":"10.2215\/CJN.12921216","volume":"12","author":"DM Taylor","year":"2017","unstructured":"Taylor DM, Fraser SDS, Bradley JA, Bradley C, Draper H, Metcalfe W, et al. A systematic review of the prevalence and associations of limited health literacy in CKD. Clin J Am Soc Nephrol. 2017;12:1070\u201384.","journal-title":"Clin J Am Soc Nephrol."},{"key":"10018_CR22","doi-asserted-by":"publisher","first-page":"893","DOI":"10.1080\/01411926.2010.506945","volume":"37","author":"D Hartas","year":"2011","unstructured":"Hartas D. Families\u2019 social backgrounds matter: socio-economic factors, home learning and young children\u2019s language, literacy and social outcomes. Br Educ Res J. 2011;37:893\u2013914. https:\/\/doi.org\/10.1080\/01411926.2010.506945.","journal-title":"Br Educ Res J."},{"key":"10018_CR23","unstructured":"de Vries A. Diversity in incomes within and outside the city: a prestudy. Den Haag; 2005. Available from: https:\/\/www.pbl.nl\/sites\/default\/files\/downloads\/Inkomensspreiding_in_en_om_de_stad.pdf"},{"key":"10018_CR24","doi-asserted-by":"publisher","first-page":"1344","DOI":"10.1038\/ki.2011.240","volume":"80","author":"JA Wright Nunes","year":"2011","unstructured":"Wright Nunes JA, Wallston KA, Eden SK, Shintani AK, Alp Ikizler T, Cavanaugh KL. Associations among perceived and objective disease knowledge and satisfaction with physician communication in patients with chronic kidney disease. Kidney Int. 2011;80:1344\u201351.","journal-title":"Kidney Int."},{"key":"10018_CR25","doi-asserted-by":"publisher","first-page":"30","DOI":"10.1016\/j.pec.2009.09.041","volume":"79","author":"JD Jensen","year":"2010","unstructured":"Jensen JD, King AJ, Guntzviller LM, Davis LA. Patient\u2013provider communication and low-income adults: age, race, literacy, and optimism predict communication satisfaction. Patient Educ Couns. 2010;79:30\u20135.","journal-title":"Patient Educ Couns."},{"key":"10018_CR26","doi-asserted-by":"publisher","first-page":"102","DOI":"10.1080\/10810730.2010.499981","volume":"15","author":"MK Wynia","year":"2010","unstructured":"Wynia MK, Osborn CY. Health literacy and communication quality in health care organizations. J Health Commun. 2010;15:102\u201315. https:\/\/doi.org\/10.1080\/10810730.2010.499981.","journal-title":"J Health Commun."},{"key":"10018_CR27","doi-asserted-by":"publisher","first-page":"377","DOI":"10.1136\/jech.52.6.377","volume":"52","author":"SH Downs","year":"1998","unstructured":"Downs SH, Black N. The feasibility of creating a checklist for the assessment of the methodological quality both of randomised and non-randomised studies of health care interventions. J Epidemiol Community Heal. 1998;52:377\u201384. https:\/\/doi.org\/10.1136\/jech.52.6.377.","journal-title":"J Epidemiol Community Heal."},{"key":"10018_CR28","doi-asserted-by":"publisher","first-page":"41","DOI":"10.1016\/j.pec.2014.10.006","volume":"98","author":"M Heijmans","year":"2015","unstructured":"Heijmans M, Waverijn G, Rademakers J, van der Vaart R, Rijken M. Functional, communicative and critical health literacy of chronic disease patients and their importance for self-management. Patient Educ Couns. 2015;98:41\u20138.","journal-title":"Patient Educ Couns."},{"key":"10018_CR29","doi-asserted-by":"publisher","first-page":"756","DOI":"10.1177\/0269215509360752","volume":"24","author":"M Levasseur","year":"2010","unstructured":"Levasseur M, Carrier A. Do rehabilitation professionals need to consider their clients\u2019 health literacy for effective practice? Clin Rehabil. 2010;24:756\u201365. https:\/\/doi.org\/10.1177\/0269215509360752.","journal-title":"Clin Rehabil."},{"key":"10018_CR30","doi-asserted-by":"publisher","first-page":"e71","DOI":"10.3928\/24748307-20170427-02","volume":"1","author":"EA Hahn","year":"2017","unstructured":"Hahn EA, Magasi SR, Carlozzi NE, Tulsky DS, Wong A, Garcia SF, et al. Health and functional literacy in physical rehabilitation patients. HLRP Heal Lit Res Pract. 2017;1:e71\u201385. https:\/\/doi.org\/10.3928\/24748307-20170427-02.","journal-title":"HLRP Heal Lit Res Pract."},{"key":"10018_CR31","doi-asserted-by":"publisher","first-page":"103443","DOI":"10.1016\/j.euroecorev.2020.103443","volume":"126","author":"F Grigoli","year":"2020","unstructured":"Grigoli F, Koczan Z, Topalova P. Automation and labor force participation in advanced economies: macro and micro evidence. Eur Econ Rev. 2020;126:103443.","journal-title":"Eur Econ Rev."},{"key":"10018_CR32","unstructured":"Unknown. Numbers and Trends UWV. 2020. p. 1\u20132. Available from: https:\/\/www.uwv.nl\/overuwv\/Images\/cijfers-trends-november-2020.pdf"},{"key":"10018_CR33","first-page":"203","volume":"240","author":"C Brach","year":"2017","unstructured":"Brach C. The journey to become a health literate organization: a snapshot of health system improvement. Stud Health Technol Inform. 2017;240:203\u201337.","journal-title":"Stud Health Technol Inform."},{"key":"10018_CR34","doi-asserted-by":"publisher","first-page":"3923","DOI":"10.3390\/ijerph16203923","volume":"16","author":"MS Kaper","year":"2019","unstructured":"Kaper MS, de Winter AF, Bevilacqua R, Giammarchi C, McCusker A, Sixsmith J, et al. Positive outcomes of a comprehensive health literacy communication training for health professionals in three European countries: a multi-centre pre-post intervention study. Int J Environ Res Public Health. 2019;16:3923.","journal-title":"Int J Environ Res Public Health."}],"container-title":["Journal of Occupational Rehabilitation"],"original-title":[],"language":"en","link":[{"URL":"https:\/\/link.springer.com\/content\/pdf\/10.1007\/s10926-021-10018-3.pdf","content-type":"application\/pdf","content-version":"vor","intended-application":"text-mining"},{"URL":"https:\/\/link.springer.com\/article\/10.1007\/s10926-021-10018-3\/fulltext.html","content-type":"text\/html","content-version":"vor","intended-application":"text-mining"},{"URL":"https:\/\/link.springer.com\/content\/pdf\/10.1007\/s10926-021-10018-3.pdf","content-type":"application\/pdf","content-version":"vor","intended-application":"similarity-checking"}],"deposited":{"date-parts":[[2023,1,21]],"date-time":"2023-01-21T22:00:43Z","timestamp":1674338443000},"score":1,"resource":{"primary":{"URL":"https:\/\/link.springer.com\/10.1007\/s10926-021-10018-3"}},"subtitle":[],"short-title":[],"issued":{"date-parts":[[2022,1,5]]},"references-count":34,"journal-issue":{"issue":"3","published-print":{"date-parts":[[2022,9]]}},"alternative-id":["10018"],"URL":"https:\/\/doi.org\/10.1007\/s10926-021-10018-3","relation":{},"ISSN":["1053-0487","1573-3688"],"issn-type":[{"value":"1053-0487","type":"print"},{"value":"1573-3688","type":"electronic"}],"subject":[],"published":{"date-parts":[[2022,1,5]]},"assertion":[{"value":"8 December 2021","order":1,"name":"accepted","label":"Accepted","group":{"name":"ArticleHistory","label":"Article History"}},{"value":"5 January 2022","order":2,"name":"first_online","label":"First Online","group":{"name":"ArticleHistory","label":"Article History"}},{"order":1,"name":"Ethics","group":{"name":"EthicsHeading","label":"Declarations"}},{"value":"The authors have no relevant financial or non-financial interests to disclose.","order":2,"name":"Ethics","group":{"name":"EthicsHeading","label":"Conflict of interest"}},{"value":"All procedures followed were in accordance with the ethical standards of the responsible committee on human experimentation (institutional and national) and with the Helsinki Declaration of 1975, as revised in 2000. Informed consent was obtained from all patients for being included in the study. The Central Medical Ethical committee of the University Medical Center Groningen (UMCG) reviewed and approved this study (Number: 201900597).","order":3,"name":"Ethics","group":{"name":"EthicsHeading","label":"Ethical Approval"}},{"value":"Members of the online panel of the Dutch SSI were invited to participate in this study. The SSI frequently uses the online panel to ask for feedback on quality of service, policy changes and for scientific research. Members pro-actively registered for the panel and provided informed consent to be approached for these purposes regularly.","order":4,"name":"Ethics","group":{"name":"EthicsHeading","label":"Consent to Participate"}}]}}