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WIA gap insurance

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We also know a WIA gap insurance as a WIA insurance or a collective WIA insurance. This insurance gives your employees more financial security in the event of long-term occupational disability. As an employer, you are legally obliged to continue paying the salary of an employee who is unable to work for the first two years. If, after two years, the employee is still unable to work (fully), he or she enters the Work and Income (Capacity for Work) Act (WIA). He will then receive a WIA benefit. However, this is not equivalent to a full salary. To prevent your employee from experiencing financial problems, you can take out WIA gap insurance as an employer.

What is WIA gap insurance?

If your employee ends up in the WIA after two years of continued payment of wages, the UWV will pay him a WIA benefit. A WIA gap insurance is a supplement to the WIA benefit that your employee receives in case of long-term disability. A WIA gap insurance ensures that sick and disabled employees have more financial security. There are various types of WIA insurance on the market, such as WGA gap insurance and WIA Excess insurance.

What does WIA gap insurance cost?

Before you take out insurance, you will of course want to know what you will be paying in premiums later on. The cost of WIA gap insurance depends on a number of factors that determine the premium. These are:

  • The type of business you have
  • The age of your employees
  • Your employees' salaries
  • The number of employees who have been disabled before

The exact cost of WIA gap insurance is therefore different for each organization. If you want to offer the insurance, but cannot afford to, you can also choose to withhold (part of) the premium from the employee's salary. Your employees then decide for themselves whether they want to participate in the insurance or not. The premium of a WIA gap insurance is also tax deductible from the income tax.

What is the difference between WIA and WGA gap?

WIA is the law for disability of employees. The WIA consists of the WGA and the IVA. WGA stands for Work Resumption Partially Disabled Persons. If an employee is more than 35% incapacitated for work, he will have to deal with the WGA. The WGA gap is the loss of income that can occur when an employee is disabled for a long time.

WIA insurance provides a supplement to the statutory WIA benefit. This applies to both the WGA and the IVA benefit. A WGA gap insurance only supplements a statutory WGA benefit, i.e. in the event of partial incapacity for work. With a WGA gap insurance your employee will not receive a supplement to the IVA benefit.

Why take out WIA gap insurance?

WIA gap insurance is not mandatory for an employer. It is up to you whether you want to take out such insurance. There are, however, a number of collective labor agreements that stipulate that taking out WIA gap insurance is compulsory. Even if WIA gap insurance is not compulsory according to your collective agreement, the insurance has a number of advantages for both employer and employee. With WIA insurance, you reduce the chance of financial problems for your employee. It is a supplement to the statutory WIA benefit. Depending on the type of benefit, the employee's income is supplemented by a certain percentage in the event of long-term occupational disability. That is why WIA insurance is a good secondary employment condition. It allows your employee to take the time to get better, without having to worry about paying the bills. It is often seen as a sign of good employment practices.

You can offer WIA insurance collectively to your staff. Your employees can then decide for themselves whether they want to participate in the insurance or not.

Take out WIA gap insurance on Alpina\.nl

At Alpina.nl you can request a no-obligation quote for WIA gap insurance. Based on a number of details about your organization, we can give you an accurate quote. Do you have any questions about taking out WIA gap insurance? Then be sure to contact us! Our insurance specialists will be happy to help you.

How we work

How does Alpina work?

As an intermediary, we are not part of any insurance company. This means that we have no financial or production obligations to the companies we work with. When comparing insurance, we consider your personal situation and specific wishes regarding coverage. Alpina makes insurance clear and fast.

Money back guarantee! (14 days)

Your insurance enquiry will be assessed quickly, 24 hours a day, 7 days a week. You can then immediately take to the road with peace of mind. You don't have to worry about your old insurance either. You can cancel it with us directly online.


Alpina complies with all the legal requirements of the AFM. For example, we have the necessary permits and diplomas and we are affiliated with the Financial Services Complaints Institute (Kifid).

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