Can I purchase WIA insurance for my employee?
Yes, as an employer you can take out WIA insurance for your employee. If an employee is unfit for work, you as an employer must continue to pay your employee's wages for two years. If the employee is still disabled after two years, he will enter the Work and Income according to Labour Capacity Act (WIA). He will then receive a WIA benefit from the UWV. Depending on the type of benefit, your employee's income may drop significantly. To protect your employee against this, you can take out WIA insurance. WIA insurance is a supplement to the WIA benefit. In this article on Alpina.nl we tell you more about it.
Why have WIA insurance for your employees?
Taking out WIA insurance is not mandatory. Nevertheless, WIA insurance has several advantages for your employee. Namely, it supplements the statutory WIA benefits. With WIA insurance, you give your employees more financial security in the event of long-term disability. Taking out WIA insurance makes you an attractive employer. For an employee, it is an attractive fringe benefit. Moreover, it is widely seen as a sign of good employment practices.
Other benefits of WIA insurance:
- Your employee's income is supplemented depending on the type of benefit
- The insurer offers assistance in reintegrating your employee
- WIA insurance contributes to the financial well-being of your employees
- WIA insurance is a good fringe benefit for your employees and is known as a sign of being a good employer
- WIA insurance premium is tax deductible
- The benefit is value based
Take out WIA insurance collectively
You can offer WIA insurance collectively to your employees. Your employees then decide for themselves whether or not they want to participate in the insurance. Although WIA insurance is not required by law, some collective bargaining agreements stipulate that it must be taken out. Therefore, always check this in your collective bargaining agreement.
Take out WIA insurance directly on Alpina.nl
At Alpina.nl you can request a no-obligation quote for WIA insurance. This way you will know exactly what you will spend in premium. Good to know is that the premium of a WIA insurance is tax deductible. You can deduct the premium on your income tax return.
Do you have any questions about requesting a quote or purchasing WIA insurance? If so, please be sure to contact us!
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