As an employer, do I need to take out a WGA gap insurance policy?
As a business owner and employer, you are responsible for obtaining various insurance policies for your business. Not every insurance is mandatory. It is therefore up to you to decide which insurances are important for your business. One of the insurances you can consider is the WGA gap insurance.
WGA gap insurance is also known as WGA gap insurance or WGA top-up insurance. You can take out WGA gap insurance to limit the loss of income of your employees in the event of long-term disability as much as possible.
As an employer, am I obliged to take out WGA gap insurance?
No, as an employer you are not obliged to take out WGA gap insurance. However, it is wise to consider such an insurance. With WGA gap insurance you give your employees more financial security in case they become disabled and cannot work for a longer period of time. You can offer WGA gap insurance collectively to your employees. Your employees can then decide for themselves whether they want to participate in the insurance or not. Although WGA gap insurance is not required by law, some collective labor agreements stipulate that such insurance must be taken out. Therefore, please check this in your CLA.
Why take out WGA gap insurance as an employer?
As an employer, you are not obliged to take out WGA gap insurance. So why should you? Although it is not an obligatory insurance, a WGA gap insurance has several advantages. It is a supplement to the statutory WIA benefits. With WGA gap insurance you give your employees more financial security. Moreover, it is an attractive secondary employment condition. It is often seen as a sign of good employment practice.
Below we list the benefits of WGA gap insurance for you:
- A WGA gap insurance fills the WGA gap up to the AOW age
- The insurer offers assistance in the reintegration of the employee
- The insurance contributes to the financial well-being of your employees
- The premium of a WGA gap insurance is tax deductible
- The benefit is stable in value
Get a free quote at Alpina.nl!
Wondering what WGA gap insurance costs for your organization? You can request a no-obligation quote at Alpina.nl . Based on a number of details we can give you an accurate quote. Do you have any questions about a WGA gap insurance? Then please contact us! Our insurance specialists will be happy to help you.
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