Employers  in the Netherlands, can be faced with disability issues of their  employees.  As an employer  you can insure yourself against this risk with the Employee Insurance Agency (Uitvoeringsinstituut Werknemersverzekeringen, UWV). The employer can also choose to become a self-insurer (eigenrisicodrager, ERD). In that case, the employer will have to pay the benefits and costs of reintegration themselves.

Employers therefor can choose to bear the financial risk entirely on their own, or take out full (or partial) insurance with a private insurer.

Disability in the Netherlands and the COVID 19 virus

We receive many questions about the insurance coverage within the sick leave, WGA gap and WIA excess insurance in combination to the Covid 19 virus.Below you will find a list with the answers to the most frequently asked questions. If you have any additional questions, please do not hesitate to contact us!