Insurance against occupational disability: the basics



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Time and again, consumer associations, insurance companies and experts point out that private insurance against occupational disability is one of the most important insurance policies. Therefore, I present here a detailed series of articles on the topic online.

Insurance against occupational disability: The basics insurance against disability: The basics

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Important NOTE

This entry contains content and information that may be out of date, eg due to legal or statistical changes. Because it can still be helpful to get an overview of the topic, you can still find it here.

One in five employees becomes disabled

Overview

The fact is that one in five employees and one in three workers leave the job before they reach the age of retirement because of their professional or occupational disability. The main causes are cardiac and circulatory diseases, orthopedic impairments, diseases of the nerves or psyche, tumors and internal diseases.

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The causes vary according to occupational group, age and gender: For 39-year-olds and employees, psychological reasons are the most common cause. For workers and nursing occupations, physical workload at work plays a major role in the disease type statistics. They are often affected by skeletal, muscular or connective tissue disorders leading to occupational disability.

Contrary to many guess, accidents play only a subordinate role. A pure accident insurance is considerably cheaper than a guarantee against disability, but it does not offer sufficient protection against the restriction of the ability to work.

The distribution of causes by gender:
Men:Women:
Diseases of the skeleton / muscles / connective tissue18,4%17,8%
Diseases of the circulatory system14,7%6,3%
Diseases of the digestive system / metabolic diseases5,1%3,4%
Diseases of the respiratory organs3,0%2,0%
neoplasms13,5%15,6%
Diseases of the genitourinary system1,0%0,9%
mental illness27,6%38,4%
Diseases of the nervous system5,9%6,9%
other illnesses10,8%8,7%

Secured by the state?

Overview

You may want to argue: "I am protected by the state". That is only partially true, because the state has significantly reduced its benefits for occupational disability.

Especially self-employed persons, who are usually not covered by an employer or by state pension insurance, I can pay a private disability insurance. In order to make sure that you do what you want, you must pay attention to some points when signing the contract.

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  • Definition of occupational disability: You are disabled if you can no longer work in your actual job.
  • Definition Disability: You are not able to work if you can not work at all.

Please note that the statutory pension insurance scheme and the private insurance companies apply different criteria for determining the incapacity for work which are described in the further course of this article series.

Is burnout a case for disability insurance?

Overview

The Landgericht Munich has the 22. March 2006 after a three-year legal dispute a burnout and psychological disorder were felled: According to this, burnout syndrome was clearly classified as an insurance case. Insurance against occupational disability: The basics insurance against disability: The basics

The judgment

Overview

A manager had sued after a doctor confirmed his disability, but the insurance company had refused to pay. At the end of 2001 he had collapsed due to nervous overload and had given up his career on medical advice.

Mitfugundrecht is to be read as a comment to the judgment:

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The Munich Court of Justice I had to decide whether the burn-out syndrome was reason for disability and, after obtaining a medical opinion, condemned the insurance company to reimburse 148.000 Euro disability benefits and 65.000 Euro in insurance contributions. It was not until the appeal proceedings before the Oberlandesgericht in Munich that the insurance broke up.

Why burnout?

Overview

It is clear once more that mental disorders and nervous problems are increasingly a case for disability insurance. An investigation of morning and morning even shows that this is the second leading cause of occupational disability.

The burnout is recognized as a cause for occupational disability, on the one hand positive, on the other hand, but also negative, because now many insurance for mental illness before the conclusion of occupational disability insurance will look even closer.

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  1. Simone Janson

    Hello exact reader,
    Thanks for your help. I would still prefer if you gave your name.
    Your comment would have gone down in a sprawling discussion on another topic on the blog ... I've improved that, thanks for reading.
    Simone Janson

  2. exact reader

    "A pure accident insurance is substantially cheaper than a disability, offers ..."

    And I thought that if you become disabled, you do not have to spend money on your disability. ;)

  3. Michael Both

    New series: Insurance against occupational disability | Simone Janson ...: Again and again consumer associations, ..

  4. Sven Hennig

    Hello Mrs. Janson,

    but there is much more to note.

    First, it must be distinguished whether the or the prospect before or after 1961 is born, because with the older there is still a BU protection from the GRV.

    For all others, only the right to the employment retirement pension remains. Therefore, as you say, the question arises whether work is still possible at all.

    However, it is also not interesting for everyone and everyone a BU. It is important to provide protection in general for the people who need it most, but often it is not affordable.

    Alternatives in certain segments include hedging against basic abilities or the serious diseases (Dread D.)

    Decisive is however no matter with which product only the condition work and appropriate regulated there points only that which stands there is usable / einklagbar.

    Ergo: Sometimes it is better to have none than one that only costs money and in the event of a false security pretends since no performance is provided.

    Also important is an adequate pension. What good is 500 EUR if I can not even pay the running costs.

    If you want to write an article again, just write us an email.

    gruß

    Sven Hennig

  5. Simone Janson

    Thank you Mr. Henning for your comments. As above, this is the first part of an article series. What you have already anticipated here will be successively explained in the other parts - right up to the alternatives.
    Nevertheless thank you.
    Simone Janson

  6. Simone Janson

    New series to # Unemployment (s) # Insurance:

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