WGA or IVA: Which Disability Benefit?

·2 min read
WGA or IVA: Which Disability Benefit?

After two years of illness, you may qualify for a WIA benefit. But will it be WGA or IVA? Read about the differences and your rights.

WIA: the law behind the benefit

The Work and Income according to Labour Capacity Act (WIA) governs benefits for employees who are still incapacitated for work after two years of illness. The WIA has two schemes: the WGA (Return to Work for Partially Disabled Persons) and the IVA (Income Provision for Fully Disabled Persons). Which scheme applies to you depends on your degree of incapacity for work.

WGA: partially or temporarily fully incapacitated

The WGA is intended for people who are 35% or more incapacitated for work but can still (partially) work, or for people who are fully but not permanently incapacitated. The WGA benefit consists of three phases:

  • Wage-related benefit: the first phase, based on your last earned wage (70%). The duration depends on your employment history.
  • Wage supplement: if, after the wage-related phase, you utilise more than 50% of your earning capacity.
  • Follow-up benefit: if you utilise less than 50% of your earning capacity. This is based on the minimum wage.

IVA: fully and permanently incapacitated

The IVA is intended for people who are fully (80-100%) and permanently incapacitated for work. Permanently means there is little or no chance of recovery. The IVA benefit amounts to 75% of the last earned wage (up to the maximum daily wage) and continues until the state pension age. There are no reintegration obligations.

The difference matters

The difference between WGA and IVA is significant: the IVA offers a higher and more stable benefit without reintegration obligations. With the WGA, you are regularly reassessed and must cooperate with reintegration. If you believe you have been wrongly assigned a WGA benefit instead of IVA, you can file an objection with the UWV.

Objection and appeal

If you disagree with the WIA decision, you can file an objection within six weeks. Arslan Advocaten will assess your situation and assist you with objection and appeal procedures against the UWV to obtain the correct benefit.

Frequently asked questions

Wat is het belangrijkste verschil tussen WGA en IVA?
De IVA is voor wie volledig én duurzaam arbeidsongeschikt is en geeft een hogere, stabielere uitkering zonder re-integratieverplichtingen. De WGA is voor wie nog (deels) kan werken of nog kans op herstel heeft.
Hoe hoog is de IVA-uitkering?
De IVA bedraagt 75% van het gemaximeerde dagloon en loopt door tot de AOW-leeftijd.
Vanaf welk percentage krijg ik een WIA-uitkering?
In beginsel bij 35% of meer arbeidsongeschiktheid; onder de 35% bestaat geen recht op een WIA-uitkering.
Kan ik bezwaar maken als ik WGA krijg in plaats van IVA?
Ja, binnen zes weken bij het UWV. Onderbouw met actuele medische informatie waarom de IVA passend is; daarna staat beroep en hoger beroep open.
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