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Employee Insurance
employee Benefits
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An accident, illness or burnout can happen to anyone. When it does, you don't want to have to deal with a big drop in your income. For entrepeneurs themselves, good disability insurance is an absolute must. But what about their employees who become temporarily or permanently disabled, should they be worried? 

Probably yes, unfortunately. Although any employee who is declared unfit for work can make use of the so-called WIA scheme, this is often not enough to maintain a reasonable income over time. Resulting in distressing situations. 

Fortunately, the income gap that would arise in case of occupational disability,  can be covered through the employer via a collective WIA Insurance. There are many options, depending on income loss and the desired level of income, among other things.

Many employees however are not aware, and we believe it is the employer's civic duty to facilitate this. The insurance is fiscally attractive, and through wages employees may contribute to the premium costs. For future employees a WIA insurance could mean an attractive fringe benefit. 

Blue Risk's professionals help you make the right choice for your company and employees. And with your procurement discounts, they will be sure to get you the best deal out there.

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Veelgestelde vragen

How does the WIA arragement work?

If an employee is declared unfit for work, they are legally paid their full salary for two years by their employer, who can also insure against this risk. After the 2 year legal period, they enter the WIA. The WIA has 2 types of benefits:

  1.  IVA-benefit
    In case of full and permanent incapacity for work, the employee receives 75% of their last-earned salary.

  2. WGA-benefit
    For partial and full, but not permanent disability. The benefit depends on the income that can still be earned. 

Especially in the case of a relapse to the WGA levelm the drop in income can be significant. Employers can protect their employees againts this risk by taking out a WIA Insurance.

Why would I insure this? 
  • Reduced decline in eomployee income
  • Active reintegration support
  • Individual insurance is very difficult and more expensive
  • Good fringe benefit
What kind of WIA insurance policies are there

There are three types of WIA insurance, each one for different circumstances

    1. WIA supplementary insurance below 35%
      When an employee is declared disabled for less than 35%, they will not receive WIA benefits. This insurance compensates for that. 

    2. WGA-GAP insurance extended
      Supplements income to 75% of last-earned salary.

    3. WIA supplementary insurance up to above the WIA wage limit

    Benefit 28% to 80% of last-earned salary, depending on disability percentage and coverage.

    There are many insurers with each their different terms and rates. Blue Risk's specialists know their way around and are more than happy to find the best solution out there for you and your employees.

    Is the premium tax deductible? 

    Yes, the premium for your WIA insurance is tax deductible. Je kunt de premie geheel zelf betalen of ook (gedeeltelijk) laten betalen door de werknemers. Je houdt die premie dan in op het brutosalaris en zo betalen de werknemers netto veel minder.

    How is the premium determined

    The premium is determined by:

    • Wage bill
    • Corporate sector
    • Workforce structure
    • premium calculation of the relevant insurer
    Will i get further support?

    It may vary from insurer to insurer, but you can usually count on further advice.

    Are medical safeguards required at underwriting? 

    No, this is not requested.

    Is there a termination benefit?

    Yes, when a sick employee leaves employment, they retain the entitlement to WIA insurance benefits.

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