WGA gap insurance a. With effect from 1 January 2009, the employer is obliged to offer the employee a WGA gap insurance under the Resumption of Work (Partially Disabled Persons) Regulations (WGA) to cover the financial risk of incapacity for work for at least 35% but less than 80%. This insurance entitles the employee to claim a periodic benefit to supplement the WGA follow- up benefit until they reach Dutch state retirement age. The amount of the benefit is equal to 70% of the daily wage under the Sickness Benefits Act, up to the maximum daily wage pursuant to the Sickness Benefits Act, as referred to under 3.8.3, multiplied by the percentage of incapacity for work and less the WGA follow-up benefit.
