Stichting Private Aanvulling WW & WGA

What Stichting Private Aanvulling WW & WGA does

Stichting Private Aanvulling WW & WGA (SPAWW) is a Dutch private non-profit foundation established in 2017 by Stichting van de Arbeid to administer the PAWW (Private Aanvulling WW & WGA) scheme, a supplementary unemployment and partial-disability insurance that extends statutory Dutch WW and WGA benefits from 24 to up to 38 months. The foundation was created in response to a 2013 Dutch government decision to shorten the maximum duration of statutory unemployment benefits, with the five central employer and employee confederations (FNV, CNV, VCP, VNO-NCW, MKB-Nederland) acting as founding social partners. Coverage is delivered through decentralized collective labor agreements, with approximately 2.3 million employees across roughly 64,000 affiliated employers participating as of 2025 — equivalent to about one-fifth of the Dutch working population.

The foundation's core product is the PAWW benefit itself, distributed through three online portals: the Werknemersportaal for benefit recipients, the Werkgeversportaal for employer contribution filings, and the Deelnameportaal for employer registration. Supporting modules include the OCTO mobile application for document submission, online eligibility and calculation tools, and a multi-language website published in ten languages to reach migrant workers. The foundation does not develop proprietary technology; all operational and administrative execution — including customer contact, declaration processing, and benefit payments — is outsourced to Idella (Visma Idella) in Amersfoort, while SPAWW's own bestuursbureau in The Hague consists of approximately seven staff overseen by a three-member board.

SPAWW operates on a pay-as-you-go (omslagstelsel) basis funded by a uniform employee contribution of 0.1% of gross wages for 2025 and 2026 (approximately €3 per month on average), collected through employer payroll systems with no separate fee for employers or labor administrations. The foundation has no profit motive: all contributions fund benefits and operational costs, with €76 million paid out in benefits during 2025 and foundation assets of €608 million held in diversified Dutch bank deposits. The current scheme authorization runs until 2027, and SPAWW is preparing for a continuation of the regulation from October 2027 following a positive 2025 evaluation by Stichting van de Arbeid.

Name

Stichting Private Aanvulling WW & WGA

Legal name

Stichting Private Aanvulling WW & WGA

Website

https://spaww.nl

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

1–10 employees

Short description

Stichting Private Aanvulling WW & WGA (SPAWW) is a Dutch non-profit foundation administering the PAWW supplementary unemployment and disability insurance scheme, covering approximately 2.3 million employees across 64,000 employers via collective labor agreements.

Ownership category

akta.pro rank

Product category

Supplementary Unemployment and Disability Insurance

NAICS

Other Insurance Funds (52519), Health and Welfare Funds (525120)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Group Disability Income Insurance (Employer-Sponsored) (FSAIAIAB)

akta.pro secondary industries

Residual / Partial Disability & Return-to-Work Benefits (FSAIAIAH), Flexible Benefits Administration (FSA/HSA/HRA) (HLAEALAK)

Keywords

• Supplementary unemployment insurance
• Private benefit scheme
• Employee income protection
• Collective labor agreements
• Nonprofit insurance foundation

Headquarters

HQ city

's-gravenhage

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Others, Operations, Personnel, Marketing or Sales, Technology or R&D

Revenue model

1. PAWW contribution (premium): SPAWW collects a percentage of employees' gross wages as a contribution (premie/bijdrage) to fund the PAWW benefit scheme. This is collected via employers' payroll systems, typically monthly. The contribution rate is set annually (0.1% for 2025 and 2026). The scheme operates on a pay-as-you-go basis (omslagstelsel). SPAWW has no profit motive — all contributions fund benefits and operational costs.
2. Employer registration and administration fees: Employers and labor administrations (administratiekantoren) pay no separate fee beyond the contribution withheld from employee wages.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

SPAWW administers the PAWW scheme, a private supplementary insurance that extends Dutch statutory unemployment (WW) and partial disability (WGA) benefits by up to 14 additional months beyond the standard 24-month maximum, restoring total benefit coverage to 38 months. The non-profit foundation collects a small monthly contribution (0.1% of gross wages in 2026) from approximately 2.3 million Dutch employees via employer payroll withholding and pays out supplementary benefits to eligible recipients.

Product overview

Stichting PAWW operates as a non-profit supplementary unemployment and disability insurance foundation offering a single unified product: the PAWW-uitkering (Private Aanvulling WW & WGA), which provides supplementary income benefits that extend statutory Dutch unemployment insurance beyond the standard 24-month duration. The organization delivers its services through multiple online portals—the Werknemersportaal (Employee Portal) for benefit recipients, the Werkgeversportaal (Employer Portal) for contribution filings, and the Deelnameportaal for employer registration. Supporting modules include the OCTO mobile app for document submission, PAWW-berekeningstools for eligibility assessments, and Veerkrachttraining (Resilience Training) programs including the MentaalFit initiative developed with Vrije Universiteit Amsterdam to support workplace mental health.

Differentiator

Problem solved

Functional benefit

Products and services

• PAWW-uitkering (Private Aanvulling WW & WGA) Supplementary unemployment and disability insurance that extends statutory WW (unemployment) or WGA (partially disabled) benefits beyond the standard 24-month maximum, providing up to 14 additional months of income security for Dutch employees covered by participating collective labor agreements.
• Veerkrachttraining (Resilience Training) Mental resilience training program offered to organizations affiliated with PAWW, including in-company workshops for managers and digital training modules for employees to support workplace mental health.
• MentaalFit Program WHO-developed mental resilience research and training program offered to participating organizations through a partnership with Vrije Universiteit Amsterdam, as part of SPAWW's Veerkracht initiative to make PAWW participants more resilient.

Quantifiable outcome

• €76 million in supplementary benefits paid to eligible recipients in 2025
• +2 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Ten partnerships are on record, tiered supporting, core and major.

• Vrije Universiteit (VU) AmsterdamsupportingStrategic or Co-development Partner · 1 January 2025SPAWW partners with the VU Amsterdam for the MentaalFit project — a WHO-developed mental resilience program offered to affiliated companies. The collaboration is part of SPAWW's Veerkracht campaign to make PAWW participants more resilient.
• Idella (Visma Idella)coreImplementation/ SI/ Consulting PartnerIdella handles the operational and administrative execution of the PAWW regulation, including customer contact and processing of declarations and benefit payments. This partnership is fundamental to SPAWW's service delivery.
• FNV (Federatie Nederlandse Vakbeweging)coreStrategic or Co-development PartnerFNV is one of the three main trade union confederations that co-founded SPAWW and continues as a core social partner. It represents workers, job seekers, benefit recipients, and pensioners in the Netherlands.
• CNV (Christelijk Nationaal Vakverbond)coreStrategic or Co-development PartnerCNV is one of the three main trade union confederations that co-founded SPAWW and continues as a core social partner.
• VCP (Vakcentrale voor Professionals)coreStrategic or Co-development PartnerVCP is one of the three main trade union confederations that co-founded SPAWW and continues as a core social partner.
• VNO-NCWcoreStrategic or Co-development PartnerVNO-NCW is the largest Dutch employers' organization and co-founder of SPAWW. It continues as a core social partner guiding the foundation's direction.
• MKB-NederlandcoreStrategic or Co-development PartnerMKB-Nederland represents Dutch small and medium-sized enterprises and co-founded SPAWW as a core social partner.
• Stichting van de ArbeidcoreStrategic or Co-development PartnerStichting van de Arbeid is the founder of Stichting Private Aanvulling WW & WGA (SPAWW). It brings recommendations to decentralized CAO parties and conducted the 2025 evaluation of the PAWW scheme, concluding sufficient grounds to continue the scheme.
• UWV (Uitvoeringsinstituut Werknemersverzekeringen)majorStrategic or Co-development PartnerSPAWW collaborates with UWV to ensure smooth transitions from statutory benefits to PAWW and to provide information about the scheme to potential benefit recipients. UWV informs SPAWW about start and end of WW/WGA benefits.
• Gemeentelijke Sociale Diensten (Municipal Social Services)majorStrategic or Co-development PartnerSPAWW works with municipal social services to ensure that benefit recipients are informed about their potential PAWW entitlements before applying for municipal benefits (e.g., IOW or bijstand). This prevents recipients from falling into a financial gap.

Scale indicators6 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Stichting Bedrijfstakpensioenfonds voor de Bouw (BPF Bouw): The Dutch construction sector benefit fund, organized as a non-profit foundation with social-partner governance covering retirement and related benefits. It is structurally analogous to SPAWW in administering a sector-wide benefit scheme funded through employer-affiliated contributions.
• Achmea: The largest Dutch insurance group, offering group disability income insurance, income protection, and employer-sponsored benefit products. Achmea is the closest commercial-market analogue for the income-replacement services PAWW provides to Dutch employees.
• UWV (Uitvoeringsinstituut Werknemersverzekeringen): The Dutch government agency that administers the statutory WW (unemployment) and WGA (partial disability) benefits that PAWW supplements. UWV is the upstream provider of the 'base layer' of benefits, and SPAWW explicitly collaborates with UWV on beneficiary handovers when statutory entitlements end.
• Pensioenfonds Metaal en Techniek (PMT): Industry pension fund for the Dutch metalworking and technical sectors, governed by employers and trade unions. SPAWW's chairman (Benne van Popta) is also chairman of PMT, making it a tightly linked institutional peer in the Dutch social-partner benefit ecosystem.
• Stichting Pensioenfonds ABP: The largest Dutch pension fund, covering government and education sector employees. ABP shares SPAWW's non-profit foundation structure and social-partner governance model, providing a structural analogue for how Dutch collective-benefit institutions are organized and overseen.

Others

• Federatie van Algemene Beoogde Pensioenfondsen (FAM): Industry association for Dutch general pension funds. FAM does not administer benefits directly but represents the collective interests of Dutch non-profit social-partner benefit institutions of which SPAWW is a structural member.
• Stichting van de Arbeid: The umbrella foundation of Dutch social partners that founded SPAWW and continues to oversee its strategic direction and periodic evaluations. It is the parent/governing body rather than a competitor, but is the closest institutional peer in the Dutch social-partner benefit architecture.

Market position

Strengths1 record

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/StichtingPAWW
• YouTubeyoutube.com/@stichtingpaww
• Facebookfacebook.com/StichtingPAWW
• LinkedInlinkedin.com/company/spaww

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

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M&A

Investments

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Frequently asked questions about Stichting Private Aanvulling WW & WGA