WGA gap insurance

WGA stands for Work Resumption Partially Disabled. The WGA is part of the Work and Income according to Labour Capacity Act (WIA). If an employee is more than 35% incapacitated for work, they will face the WGA. The WGA gap is the loss of income that can occur when an employee is long-term disabled. In the Netherlands, an employer is obliged to continue paying wages for 2 years. After this period, the employee receives a WGA wage-related benefit. After a minimum of 3 months and a maximum of 24 months, this benefit turns into a WGA benefit (wage supplement/progression).

There is a WGA gap if the employee receives the WGA continuation benefit, and in doing so, his total income falls below 70% of his insured annual wage. If a WHA gap occurs, it means that your employee's income drops significantly, by up to 30% of their former income. To protect your employee against this, as an employer you can take out WGA gap insurance.

A WGA gap insurance is an insurance that you can take out to protect your employees against loss of income if they are on long-term disability. With WGA gap insurance, your employee receives a supplement to the statutory WGA continuation benefit if there is a WGA gap. In that case, the insurer will supplement the employee's income up to 70% times the disability percentage times the former salary.

No, WHA gap insurance is not mandatory. It is a voluntary insurance that you, as an employer, take out for your employees. You can offer WGA gap insurance collectively to your employees. Your employees then decide for themselves whether or not they want to participate in the insurance. With a WGA gap insurance you give your employees extra financial security.

The cost of WGA gap insurance depends on a number of factors:

• The type of business you have
• The age of your employees
• Your employees' wages
• The number of workers who have been previously disabled

Based in part on these factors, an insurer determines the amount of the premium for WGA gap insurance.

The WGA gap insurance...

• Fills the WHA gap until state pension age
• Provides assistance in reintegrating the employee
• Is a fringe benefit for your employees
• Contributes to the financial well-being of your employees

Feather:

• WGA gap insurance premium is tax deductible
• The benefit is value based

At Alpina.nl , you can request a quote for WGA gap insurance without obligation. Based on a number of details, we can give you an accurate quote. Do you have any questions about taking out WGA gap insurance? Then please contact us! Our insurance specialists will be happy to help you. You can call us Monday through Friday from 8 a.m. to 6 p.m. at 088 - 688 3700. Asking a question via chat, WhatsApp or Messenger is also possible.

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.

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Your insurance request will be quickly reviewed 24 hours a day, 7 days a week. You can then immediately hit 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.

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