Own-risk bearer for employed persons' insurance schemes

You can opt to play the role of own-risk bearer for the Partially Disabled Workers Act (WGA) (an element of the Income according to Work Capacity Act (WIA)) and own-risk bearer for the Sickness Benefits Act (ZW).

Own-risk bearer for the Partially Disabled Workers Act (WGA)

You can opt for the role of own-risk bearer for the Partially Disabled Workers Act (WGA). You then bear the risk of the partial occupational disability and temporary full occupational disability of all your employees, or you insure the risk with an insurance company. You also bear the risk for death benefits to surviving dependants of permanent employees with a WGA benefit which fall under the own risk.

As own-risk bearer for the WGA, you pay lower differentiated contributions under the Return to Work Fund, because you do not have to pay the WGA national insurance component.

Own-risk bearer for the Sickness Benefits Act (ZW)

You can opt for the role of own risk bearer for the Sickness Benefits Act (ZW). This means that you are held liable in the event of disablement of former employees who are entitled to sickness benefits, or that you fully or partially insure this in a private capacity.

As own-risk bearer for the ZW, you pay lower differentiated contributions under the Return to Work Fund, because you do not have to pay the 'ZW-flex' national insurance component. Moreover, you will also bear the risk for death benefits to surviving dependants of employees with a sickness benefit which fall under the own risk.

See also

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