WGA gap insurance

WGA stands for Work Resumption Partially Disabled Persons. 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, he will have to deal with the WGA. The WGA gap is the loss of income that can occur when an employee is unfit for work for a long time. In the Netherlands, an employer is obliged to continue paying wages for two years. After this period, the employee will receive a WGA salary-related benefit. After a minimum of 3 months and a maximum of 24 months, this benefit will be transferred to a WGA benefit (wage supplementation/continuation).

There is a WGA gap if the employee receives the WGA continuation benefit and his total income drops below 70% of the annual wage insured for him. A WHA gap means that your employee's income drops significantly, by as much as 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 unfit for work for a long time. 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 supplements the employee's income to 70% times the disability percentage times the former salary.

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

The costs of a WGA gap insurance depend on a number of factors:

• The type of business you have
• The age of your employees
• Your employees' salaries
• The number of employees who have been previously unfit for work

Based on these factors, among others, an insurer determines the height of the premium for a WGA gap insurance.

The WGA gap insurance...

• Supplements the WHA gap up to the state pension age
• Provides assistance in the reintegration of the employee
• Is a secondary employment condition for your employees
• Contributes to the financial well-being of your employees

Further:

• The premium of a WGA gap insurance is tax deductible
• The benefit is stable in value

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.

Not good, money back! (14 days)
Your application for insurance is 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).