Own-risk bearing · guarantee statement · ten years
WGA own-risk insurance through De Goudse
As a WGA own-risk bearer you pay the benefit of a former employee who is incapacitated for work yourself, for up to ten years. This insurance takes over that payment obligation and the reintegration burden.
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Deze pagina in het Nederlands: WGA-eigenrisicoverzekering via De Goudse.
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your activities
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Anyone declared partially incapacitated for work after 104 weeks of illness enters the WGA. The benefit is financed from a differentiated contribution to UWV (the Dutch employee insurance agency), or you carry that risk yourself. With own-risk bearing (eigenrisicodragen) you pay the WGA benefit of your former employees for up to ten years and carry out the reintegration yourself. An insurance policy sets a benefit and usually practical support against that.
The move to own-risk bearing goes through the Belastingdienst (the Dutch tax authority) and can only take effect on 1 January or 1 July. The application has to include a guarantee declaration from an insurer or a bank, which guarantees that the benefits will continue to be paid if your company can no longer do so itself. That statement is a document in its own right with its own cancellation regime. If the insurance ends, that immediately affects your status with the Belastingdienst.
The choice is a calculation over ten years, not a comparison of one year. Where few employees enter the WIA, private insurance is generally cheaper, but a single long-running case changes that picture. It also matters how much real grip you have on the reintegration of people who no longer work for you. Finass Advies compares several insurers objectively and can apply for this cover through De Goudse; you can read about the structure of the WIA on the hub WIA insurance and in sickness and disability.
This page deals with one situation. The full overview is on WIA insurance through Avéro Achmea — compare & calculate your premium.
What to look at with own-risk bearing
Four points that determine the calculation over ten years.
In-run risk: who pays for the existing cases
Benefits for employees who were already ill before you became an own-risk bearer fall in principle outside the insurance. Some policies buy in that in-run risk for a surcharge, others do not. So before the start date, map out who is on long-term sick leave and how long those cases have been running. That is the figure on which the whole switch stands or falls.
Tail liabilities on returning to UWV
If you later switch back to the public system, the WGA benefits in payment do not go with you. Those tail liabilities (staartlasten) remain at your expense, and therefore at your insurer's expense for as long as the policy runs. So never cancel private cover without arranging who will settle the existing cases through to the end.
You remain responsible for reintegration yourself
As an own-risk bearer you have the statutory task of supporting the former employee and you can decide on suitable work and on applying for a reassessment. The insurer pays and supports, but does not take over that public-law role. Record who corresponds with UWV on your behalf, because the deadlines in objection procedures are short.
What the cover does not include
Outside the policy are the IVA benefit for those fully and permanently incapacitated for work, which is paid by UWV, benefits to employees to whom the no-risk policy applies, and administrative fines or additional contribution assessments. Incapacity for work caused intentionally also remains, under Article 7:952 of the Dutch Civil Code outside every insurance.
What does your premium depend on?
- Your company's payroll: the basis for both the public contribution and the private premium
- Entry into the WIA in recent years: the figure that weighs most heavily in acceptance
- Sector and mix of roles: determines the expected likelihood of entry
- Whether in-run risk is insured as well: existing sick employees cost a surcharge
- Contract term and guarantee period: longer certainty against less flexibility
- Reintegration services purchased with it: support and interventions as a separate module
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | WGA own-risk insurance | Sickness absence insurance (verzuimverzekering) |
|---|---|---|
| An employee drops out with burnout and is in his first year of illness | No | Yes |
| A former employee enters the WGA after 104 weeks of illness and receives ten years of benefit | Yes | No |
| UWV awards an IVA benefit because recovery is out of the question | No | No |
| An employee covered by the no-riskpolis (the Dutch no-risk scheme) is ill for six months | No | Provided that |
| An occupational expert places a former employee in work with another employer | Provided that | No |
| An employee loses thirty per cent of his earning capacity and continues working on a lower salary | No | No |
The first two years of illness and the ten years after that are two separate policies. Only together do they cover the whole chain.
Frequently asked questions
This is what people ask us most.
Can I become an own-risk bearer at any time?
No. The application goes through the Belastingdienst and can only take effect on 1 January or 1 July, with an application deadline well before that. The application has to include a guarantee statement from an insurer or a bank. So start at least a few months before the date you want, because without a valid guarantee statement the request is not taken into consideration.
What happens to a benefit if my company ceases trading?
The payment obligation does not end when the business closes. That is what the guarantee statement is for. It ensures that the WGA benefits in payment continue to be paid. On a merger or takeover the own-risk bearer status in principle passes to the acquirer, together with the liabilities in payment. Have that assessed in advance in a takeover process, because it is a real item in the purchase price.
Am I an own-risk bearer for the Sickness Benefits Act as well?
That is a separate choice with its own application. WGA own-risk bearing concerns the period after two years of illness; Sickness Benefits Act own-risk bearing concerns people in the safety net, such as former employees whose temporary contract has ended. You can opt for one and not the other; many employers combine both to keep the whole chain in their own hands.
What about employees who are already in the WGA?
Benefits already in payment before you became an own-risk bearer stay with UWV. Cases of employees who enter during your own-risk bearing are at your expense. The crucial group is those who are ill at that transitional moment but do not yet have a WIA benefit: their entry follows later and falls inside or outside the cover depending on the policy conditions.
Read more
Within Verzuimverzekering
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