What is WIA insurance?

If your employee becomes eligible for WIA benefits after two years of continued wage payments, they will receive a statutory WIA benefit from the UWV. As an employer, you can also purchase WIA insurance for your employees. WIA insurance supplements the WIA benefit your employee receives in the event of long-term disability. By taking out WIA insurance, you are essentially providing an additional financial safety net for your staff.

WIA Insurance: WGA and IVA

The Work and Income According to Work Capacity Act consists of two types of benefits: the WGA (Return to Work for Partially Disabled Persons) and the IVA (Income Support for Fully Disabled Persons).

• Return to Work for Individuals with Partial Work Disability (WGA)

An employee is eligible for WGA benefits if he has been on sick leave for 2 years or longer and is between 35% and 80% unable to work. Even if your employee is more than 80% unable to work but has a chance of recovery, he is still eligible for WGA benefits.

• Income Support for Individuals with Total Work Disability

An employee receives IVA benefits if he is fully and permanently unable to work. In that case, the employee is unable to work—or can work only very little—and there is a very small chance that he will recover. This refers to a degree of disability exceeding 80%.

Am I required to purchase WIA insurance?

No, as an employer, you are not legally required to purchase WIA insurance. You may decide for yourself whether or not to offer WIA insurance to your employees. However, some collective bargaining agreements do stipulate that purchasing WIA insurance is mandatory. You can offer WIA insurance as a group plan. Your employees can then decide for themselves whether or not they wish to participate in the insurance plan.

Want to get WIA insurance? Request a quote right away at Alpina.nl

WIA insurance reduces the risk of financial difficulties for your employee. That is why WIA insurance is often viewed as a valuable employee benefit and a sign of good employment practices. Before you purchase such insurance, you’ll naturally want to know how much you’ll be paying in premiums. That’s why you can request a no-obligation quote for WIA insurance at Alpina.nl. Based on some information about your organization, we can provide you with an accurate quote. Do you have any questions about taking out WIA insurance? Please don’t hesitateto contactus! Our insurance specialists are happy to help.