Eigenrisicodrager ZW/WGA
Definitely worth considering
Gain more control over the costs of Sickness Absence incapacity for work, without getting bogged down in rules.
Are you self-insured for the Ziektewet ZW) or WGA orconsidering becoming one? Then you are consciously choosing to take more control over Sickness Absence the reintegration of (former) employees. This can make a significant difference in costs, but it also requires knowledge, structure, and careful file management.
With ZekerArbo , you are not alone.
We take care of the entire case management process: proactively, personally, and with a focus on cost control and sustainable employability. You remain in control, and we handle the administrative tasks.
Why do employers choose ZW/WGA case management via ZekerArbo?
No worries, hassle free
Whereas the UWV primarily assesses, evaluates, and pays out benefits, ZekerArbo provides guidance. We consider the interests of both the employer and the (former) employee and continuously focus on recovery, reintegration, and limiting financial risks.
That means:
- no surprises afterwards
- no incomplete files
- no unnecessarily long benefits
What you do get: control over costs, control over reintegration, and control over employability.
Hold on: what is self-insured ZW/WGA?
Normally
- A sick (former) employee receives benefits through the UWV.
- You pay a (higher) premium for this.
As a self-insured entity
- You arrange and pay the benefit yourself.
- You pay no or less UWV contribution
- You do bear the risk and responsibility
This applies to:
- ZW: sick flex workers and former employees
- WGA: employees who remain partially fit for work after two years of illness
Ziektewet case management: faster recovery, lower costs
Why choose ZekerArbo for Ziektewet case management?
When you are self-insured for the Ziektewet , you Ziektewet responsible for former employees who are ill. The savings come from preventing long-term Sickness Absence WIA inflow.
ZekerArbo activelyZekerArbo rapid and sustainable reintegration.
Where the UWV only intervenes at a later stage, we are on top of things from day one. This shortens the period of sick leave and limits long-term financial burdens.
- investment in recovery
- better than paying for downtime
What does ZekerArbo do in combination with ERD Ziektewet?
From reporting sick to recovery or WIA
After reporting sick, we provide full support for the file:
- from sick leave to recovery notification
- or – if necessary – entry into the WIA
The employer:
- reports the former employee as sick in Planningsagenda
- submits the sick leave notification to the UWV
ZekerArbo:
- compiles the complete Ziektewet file
- monitors obligations in the first track
- prevents (wage) penalties due to negligence
Our guidance on Ziektewet consists of:
- Personal guidance from case manager, POB, and physician
- Regular consultation with you as an employer
- Communication with the UWV
- Requests for decisions
- Use of reintegration resources (such as occupational health assessments and second track programs)
- TVB2 application in the second year of illness (if necessary)
- Support with WIA applications and RIV files
- Optional: support with daily wage calculation and payment of sick leave benefits
Costs of Ziektewet case management
Base rate
- €2,200 per file
(for the entire term, excluding VAT)
Additional services optional)
- ZW benefit payment: €275
- Occupational health assessment: quote
- Tweede spoortraject (every 3 months): quotation
- Additional interventions: in consultation
- Other work: €90 per hour
ZekerArbo works with Colbe's provider network. You are free to purchase services elsewhere.
WGA case management: control over long-term incapacity for work
Why choose WGA case management at ZekerArbo?
WGA focuses on employees who are unable to work after two years of illness. Poor guidance or missed opportunities can have a lasting impact on your premium costs for years to come.
ZekerArbo actively where the UWV assesses.
We prevent unnecessary WGA inflow, utilize opportunities for recovery, and keep claims costs manageable.
What's in it for you?
You combine legal knowledge, medical expertise, and financial insight, with a single point of contact.
- Expert guidance in complex legislation
- Reduction of financial risks
- Faster and more sustainable reintegration
- Relieving HR and management of their worries
What exactly do our WGA specialists do?
Preventing inflow, promoting outflow
ZekerArbo and guides with the following objectives:
- preventing inflow into the WGA during the first 104 weeks
- accelerate outflow from the WGA after 104 weeks
We do this by, among other things:
- risk assessments around week 42 and week 86
- active guidance and monitoring of WGA beneficiaries
- correspondence with the UWV
- support with reassessment, objection, and appeal
File, contact, and overview
- Contact the WGA beneficiary at least twice a year
- Registration and file creation in Planningsagenda
- Insight for your own case managers via a dedicated login
- Case discussions in striking or risky situations
- Quarterly overview of reintegration costs from Finance
WGA case management costs
- €14 per active employee per year
(or reimbursement via the insurer) - Exclusive of 21% VAT
- Year = 12 months from start/entry
Who might be interested in self-insurance?
Interesting if you:
- have many flex workers or temporary contracts
- want to get a grip on absenteeism costs
- are willing to take control (but not do everything yourself)
Less interesting if you:
- do not want to take any financial risk
- does not arrange insurance or guidance
UWV or self-insured with ZekerArbo?
In short:
- UWV = convenience
- Self-insured + ZekerArbo = control
| Subject | UWV | Self-insured + ZekerArbo |
|---|---|---|
| Who pays? | UWV via premium | Employer (often insured) |
| Understanding costs | Limited | More grip and control |
| Reintegration | Distant | Active and personal |
| Guidance | Standard | Practical customization |
| Administration | Little | Outsourced to ZekerArbo |
| Risk of errors | Low | Low with professional case management |
| Suitable for | Take care of everything | Maintain control |
Frequently asked questions about self-insured employers under the Sickness Benefits Act (ZW) and the Return to Work (Partially Disabled Persons) Act (WGA)
What is the biggest difference with the UWV?
When you transfer everything to the UWV, you relinquish control. As a self-insured entity, you retain control. This provides greater influence, but also entails more responsibility.
As an SME owner, am I taking a big financial risk?
That is possible, but most entrepreneurs take out insurance. This allows you to limit the risk while still benefiting from lower premiums and better guidance.
Do I have to arrange everything myself?
No. ZekerArbo the entire case management process. You remain ultimately responsible, while we handle the administrative tasks.
What if I make mistakes in the file?
This can lead to sanctions or unnecessarily long benefit payments. Professional case management significantly reduces this risk.
Is this only of interest to large companies?
No. Small and medium-sized businesses in particular choose this option to get a handle on absenteeism costs without a large HR department.
Can I return to the UWV?
Yes, but only at fixed times. It is therefore important to weigh up the options carefully in advance.
How ZekerArbo helps you as a self-insured employer
Are you self-insured for ZW or WGA?
Then ZekerArbo helps you control absenteeism costs, prevent mistakes, and tackle reintegration in a smart way, without getting lost in rules and files.
Would you like to know if this is suitable for your company?
We would be happy to discuss this with you, or you can view the cost overview in the download.