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Become self-insured now and save substantially on your premiums

Play video Self-risking video

Effective January 1, 2023, the minimum wage was increased by 10.15% and by over 3% on July 1. The consequence of this is that all regulations linked to the minimum wage will rise along with it, and this has direct consequences for you. For example, the costs for the WGA will increase and logically the premiums for the work resumption fund are expected to rise on January 1, 2024 and January 1, 2025. In the video below we explain how this works and how you can save money.

Becoming self-insurer easily

You can avoid this by leaving the public system and becoming "self-insured." You no longer pay premiums to the tax authorities, but insure this through us. You will save significantly on premiums over the next three years: up to 25% per year.

In addition, the insurer takes over the supervision of employees in the Sickness Benefits Act or the WGA from the UWV. Because insurers have a direct financial interest in reintegrating these employees back into the workforce, they are much more active in this guidance than the UWV. Insurance is therefore a great advantage for these people because they are actively supervised, where the UWV usually fails.


What we offer

If you become self-insured in 2024, you will pay 10% less premium through us than with the Tax Office. This low premium is fixed for 3 years.

As premiums at the Internal Revenue Service continue to rise in 2024 and 2025, your benefit will continue to increase in the coming years, estimated to be as much as 25%.

An example. Suppose you employ 20 people and have a wage bill of 750,000 euros. This year you pay a premium of 1.2% to the tax authorities but in 2024 it rises to 1.44%. With us, you pay a premium of 1.08%. So per year you save 2,700 euros in premium.

Free inventory

We will gladly investigate whether you qualify for this offer. For this we actually only need your "decision differentiated premiums work resumption fund". (You received this in December from the Tax Office). You can mail it to us. If you want more information about this action, please fill out the form below. We will contact you and inform you further.

WGA self-insurer

What is the differential premium Werkhervattingskas(Whk)?

Are you not self-insurer for the Sickness Benefits Act (ZW) and/or the Work Resumption Partially Disabled (WGA)? Then, as an employer, you will receive an annual differentiated Whk premium decision. The Whk decision relates to the benefits of (former) employees who left your employment through illness and/or ended up in the WGA. These benefits are allocated to you as an employer through the annual Whk premium.

What is self-insured WGA?

As an employer, you are no doubt familiar with the many challenges associated with managing staff. One such challenge is dealing with the financial risks arising from employee illness and disability. In the Netherlands, there are several schemes and insurances that help companies manage these risks. One of these schemes is carrying the own risk for the Work Resumption Partially Disabled, or WGA. In this article, we will take a closer look at exactly what self-insurance for the WGA entails and how it can help you as an employer.

What is the Work Resumption Partially Disabled (WGA)?

Before we delve further into self-insurance for the WGA, it is important to first understand what the WGA itself entails. The WGA is a regulation that has been in effect since 2006 and aims to support partially disabled workers in their return to work. It is intended for employees who are no longer able to perform their former job due to illness or disability, but are still able to work part-time.

Benefits of carrying your own risk for the WGA

Carrying your own risk for the WGA offers several benefits for employers. Some of these benefits include:

1. Cost savings

By bearing the risk for WGA benefits yourself, employers have the opportunity to save costs. This is because the UWV charges a premium for WGA insurance, and by carrying your own risk you can avoid it. This can be especially beneficial for employers with a low risk profile and a relatively small number of disabled employees.

2. Customized

WGA self-insurance allows employers to create customized solutions to reintegrate disabled workers. Employers have more control over the reintegration process and can offer specific programs and support that meet the needs of their employees. This can lead to more effective reintegration and a higher likelihood of successful work resumption.

3. Lower inflow into the WGA

By being actively involved in the reintegration process and offering customized solutions, employers can help reduce the inflow into the WGA. Effective reintegration can ensure that employees recover faster and sustainably, reducing the risk of long-term disability. This benefits both the employees themselves and the employer's financial situation.

Frequently asked questions surrounding the WGA and self-insurance.

What exactly does self-insurance for the WGA mean?

Self-risk sharing for the WGA formally means that an employer bears the risk for the WGA benefits of its incapacitated employees. But in reality you transfer this to an insurer that both bears the financial risk and takes over the supervision of incapacitated employees. Self-risk sharing offers employers more control over the reintegration process and can bring financial benefits.

What are the financial benefits of being self-insured for the WGA?

Self-insurance can offer several financial benefits for employers. First, it can lead to cost savings because employers no longer have to pay a premium to the UWV for WGA insurance. In addition, by being actively involved in the reintegration process and offering customized solutions, employers can reduce the inflow into the WGA and thus reduce the cost of WGA benefits.

What obligations does self-insurance entail?

As an excess carrier for the WGA, an employer formally has several obligations. For example, the employer must pay the WGA benefits to disabled employees during the agreed period. In addition, the employer is responsible for the reintegration of these employees. This means that the employer must actively contribute to the reintegration efforts and offer suitable employment to the employees, if possible. But because you insure this with an insurer, it takes over.

Can an employer return to the UWV after self-insurance?

Yes, it is possible for an employer to return to the UWV after self-insurance. This is subject to a specific procedure and there are certain conditions that must be met. At the end of the contract period, we will contact you and go through all the scenarios with you so that you can make an informed choice.

How do I make the choice for self-insurance?

Making the choice for self-insurance for the WGA is an important decision. It is advisable to seek professional advice, for example from a specialized advisor or legal expert. We will assist you fully in this process.

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Decision* differentiated premiums work resumption fund
(*you received this from the Tax Office in December)

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