WIA excess and WGA gap insurance .

Take care of your employees like you take care of your business with WIA excess or WGA gap insurance,

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Protect your employees with WIA top-up and WGA gap insurance policies

As the beating heart of your business, your employees are essential. Their health and well-being directly affect your operations. But what happens if one of your employees falls ill for an extended period of time? If after two years they are still unable to work or only partially able to work?

In such a situation, your employee is eligible for WIA benefits. However, the amount depends on several factors, such as former wages (capped at the so-called SV wage), the degree of disability and the wages the employee can still earn.

Unfortunately, reality ensures that WIA benefits are often insufficient. WGA Benefit Insurance is the safety net that can make all the difference. It supplements the WIA benefit your employee receives from the UWV so that he or she is assured of at least 70% of income (capped at maximum premium wage).

Peace of mind for you and your team. Investing in WGA gap insurance means investing in the future stability of your company and the security of your employees. In this way, you ensure that your team members feel valued, in good times and in difficult times.

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Discover the possibilities

With both WIA top-up insurance and WGA gap insurance, you offer your employees valuable financial protection.

WGA gap insurance

WGA gap insurance is designed specifically for employees who have been sick for two years and are entitled to WGA benefits. This benefit replaces only part of the original income, which can leave employees financially behind.

WGA gap insurance closes this "gap" by supplementing lost income up to and including the WIA wage limit. This helps employees remain financially stable while they recover. Like WIA top-up insurance, the premium is tax deductible and can be deducted (in part) from the gross salary. In addition, the WGA gap insurance fits in well with the Vastgoedpro Absenteeism Package, allowing you to offer a cohesive package to your employees.

WIA top-up insurance

WIA top-up insurance provides protection for employees who are long-term sick and earn a salary above the WIA wage limit (in 2025, it will be €75,864). In the event of long-term disability, employees receive a WIA benefit that is capped, which means that loss of income can occur, as the portion of salary above this limit is not covered.

With WIA top-up insurance, this loss of income is supplemented up to a total of € 103,000. This ensures that employees have financial security even if they are temporarily unable to work. Moreover, the premium of this insurance is tax deductible, and can be (partially) deducted from the gross salary of your staff. In addition, the insurance offers reintegration support, contributing to a faster return to work.

Free Well-Insured Check?

As a member of WTG, you can request a free, no-obligation Goed Verzekerd Check. Together we look at your current insurances, the corresponding cover and policy conditions. And of course whether you can save on your premium. For all your questions about:

Insurance for your business, staff and yourself.

What coverages are really needed.

A personalized offer with customized quote.

Comparing your current insurance policies.

Team Sure for Entrepreneurs

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