WIA and WGA legislation
All employees who have been on sick leave for more than two years are eligible for WIA; the law on Work and Income on a work capacity basis. This law is mainly aimed at the reintegration of employees. The government does expect you to play an active role in this. Employees who do not succeed in reintegrating can see a dramatic drop in their income, the amount of which depends on the degree to which the employee still works. Fortunately there are quality insurance solutions that will make sure you have one less thing to worry about, and that can prevent a large income drop for your employees.
WIA minimum level insurance
WIA minimum level insurance (‘WIA-bodemverzekering’) supports employees through advice and active service provision, in order to reintegrate employees who are declared disabled for 35% or less. You will receive a percentage of the wages.
WGA gap insurance
Employees who are partially disabled and who earn less than half of what they could earn, fall back on the WGA continuation benefit (‘WGA-vervolguitkering’). This allowance is a set percentage of the minimum wage, depending on the level of disability of your employee. This allowance can lead to a considerable income gap for your employee. WGA gap insurance (‘WGA-gatverzekering’) offers an additional sum to your employees.
WIA additional insurance
A disability has different financial consequences for each employee. Legislation guarantees an allowance of a maximum of 70% of the maximised annual wage. Employees who earn more than this sum will therefore face an extra income gap. The WIA additional insurance (‘WIA-Excedentverzekering’) provides an addition to the legal WIA allowance, up to a maximum of 80% in case of full disability.