Group disability in your captive
The reality many multinationals face
Long-term sickness and work disability can become a material cost and operational risk for Dutch employers. Leading employers are investing earlier—before absence becomes long-term—through targeted interventions, manager enablement, and workplace adjustments. At the same time it market practice to providing a certain level of disability cover as part of your talent strategy.
As the cost for these benefits grow year on year we see a clear trend that there is need to better manage the risks, provide more flexibility in the benefit provided to the employees as well as more transparency using data.
A new approach: Group Disability through your captive
Hienfeld, together with Redion, has developed a Group Disability (WIA) solution for captives — made available through the Redion Employee Benefits network. Marsh has been involved from the start of this initiative as a consultant, supporting the development of this new proposition.
This integrated approach enables multinationals to place long-term disability benefits into their own captive — administered by Hienfeld and underwritten through Redion's international network, with Mercer providing data analytics, case management and strategic advisory.
The result: full control over your people risks, from prevention to claim.
What is the product offered
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WGA-gap Basic
Coverage for salary below social security wage up to 70% as supplement of the UWV follow-up benefit. -
WGA-gap Extended Coverage
for salary below social security wage up to 70% of former salary. -
WIA-excess
The coverage is up to 70% of the salary above the social security wage or 80% above and 10% below social security wage.
What this delivers in practice
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For the CFO: cost control and predictability
Direct influence over premiums, elimination of insurer margins and full cost transparency. No end-of-year surprises — structural control over one of your organisation's largest variable cost items. -
For the CHRO: a healthy, resilient workforce
Disability and absenteeism are no longer managed reactively. Targeted prevention and early intervention — supported by real-time data — reduce new disability cases and accelerate reintegration. -
For the Risk Manager: governance and control
Disability and accident risks consolidated under one captive. One integrated risk management process, with clear reporting and direct influence over execution. No more fragmented solutions across countries or business units. -
For the CEO: strategic impact
Employee benefits that contribute to broader organisational goals. A measurably healthier workforce, lower people risk costs and a stronger employer position in a competitive labour market.
Five strategic benefits
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Integrated risk management
disability and accident risks brought together under one captive, for better control, consistency and prevention -
Cost optimisation
Direct influence over premiums, no unnecessary margins, full cost transparency -
Strategic governance
Benefits aligned with organisational objectives, adaptable to changing circumstances -
Data-driven decision making
Real-time insights and advanced analytics as the basis for decisions that reduce costs and improve outcomes -
Active risk management
Targeted prevention and early interventions structurally reduce total people risk exposure
The strength of three partners
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Hienfeld
Specialist administration and risk management of disability and accident risks, with deep expertise in the Dutch WIA landscape -
Redion
International network and captive placement through the Redion Employee Benefits network -
Marsh
Data analytics, case management, absenteeism expertise and strategic advisory, grounded in extensive knowledge of the Dutch market