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One in five employees becomes disabled
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.
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:|
|Diseases of the skeleton / muscles / connective tissue||18,4%||17,8%|
|Diseases of the circulatory system||14,7%||6,3%|
|Diseases of the digestive system / metabolic diseases||5,1%||3,4%|
|Diseases of the respiratory organs||3,0%||2,0%|
|Diseases of the genitourinary system||1,0%||0,9%|
|Diseases of the nervous system||5,9%||6,9%|
Secured by the state?
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.
- 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?
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.
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:
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.
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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