Should I take out WIA insurance or not?
If one of your employees becomes disabled, as an employer you are obliged to continue paying wages for the first two years. If the employee is still disabled after two years, he or she will receive WIA benefits through the UWV. As an employer, you can take out WIA insurance for your employees. WIA insurance is a supplement to the WIA benefit that your employee receives if he or she is unfit for work. It protects your employees against financial problems due to a significant drop in income. Are you unsure whether or not to take out WIA insurance? In this article on Alpina.nl we tell you more about (the benefits of) taking out WIA insurance.
Is WIA insurance mandatory?
WIA insurance is not mandatory insurance. It is a voluntary insurance that you, as an employer, can take out for your employees to offer them extra financial security. You can offer WIA insurance to your employees collectively. Your employees then decide for themselves whether they want to participate in the insurance or not. WIA insurance provides your employees with a supplement to the statutory WIA benefit when they are unfit for work for more than 2 years. Please note, although the insurance is not required by law, some collective labor agreements stipulate that a WIA insurance must still be taken out.
Why do you take out WIA insurance?
If WIA insurance is not compulsory, why would you take it out anyway? WIA insurance is a good secondary employment condition for your staff. It is a supplement to the statutory WIA benefit. With this insurance, you provide an additional financial safety net for your employees. It is therefore seen as a sign of good employment practices.
Benefits WIA insurance
If you are still in doubt about whether or not to take out WIA insurance, it is good to take a look at the advantages and disadvantages of such insurance for your company. WIA insurance has various advantages, both for you as an employer and for your employee:
- Your employee's income is supplemented, depending on the type of benefit
- The insurer offers help with the reintegration of your employee
- WIA insurance contributes to the financial well-being of your employees
- WIA insurance is a good secondary condition for your employees and is known as a sign of good employment practices
- The premium of a WIA insurance is tax deductible
- The benefit is stable in value
To take out WIA insurance or not? Get a quote first on Alpina\.nl!
At Alpina\.nl, you can request a no-obligation quote for WIA insurance. To give you an accurate quote, we need some information about your organization and employees. You will then receive an overview of providers with suitable insurance. You can then compare them on price and content.
Do you still have questions about the offer or about taking out WIA insurance? Then please do not hesitate to contact us!
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