Disability Insurance: Abstract Reference Dread Disease Alternatives and Self Employed



Previous Part



We make the Working World more Human and Ecological, so we donate Revenue for Certified Reforestation. As Publisher Best of HR - Berufebilder .de® with an unique Book Concept, on-demand eCourses and a News Service we share 15 years of Experience with our Customers (Samsung, Otto, State Institutions). By the Top20 -Blogger Simone Janson, referenced in ARD, ZEIT, WELT, Wikipedia .
Copyright: Artwork created by Simone Janson | Best of HR Berufebilder.de®

Those who want to take out occupational disability insurance have a lot to keep in mind - including the abstract referral and exemptions for the self-employed. Good, therefore, if there are alternatives such as dread disease insurance.

Disability Insurance: Abstract Reference Dread Disease Alternatives and Self-employed Occupational Disability Insurance: Abstract Reference Dread Disease Alternatives and Self Employed

Tip: Text as PDF (please read the instructions!) or to this text complete eCourse Download. Regular promotions or news per Newsletter!


More knowledge - PDF download, eCourses or personal advice

Here writes for you: Simone Janson is a publisher, German Top20 blogger and HR communication consultant. Profile

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This entry contains content and information that may be out of date, eg due to legal or statistical changes.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.

Abstract reference

Overview

If your insurance contract contains a wording such as "... if the insured person is unable, for health reasons, to perform his or her profession or any other activity that he or she may carry out on the basis of his / her education and experience and which corresponds to his current status" Fingers of it. It is a so-called abstract reference.

Tip: Text as PDF (please read the instructions!) or to this text complete eCourse Download. Regular promotions or news per Newsletter!

This means that you will not receive any money from the insurance company as long as you can continue to do such an activity, even if you could carry out the other work in theory, but in practice there is no need for your (health-restricted) And therefore you will not find a job.

A work that corresponds to the current situation can also mean that you earn 20 per cent less. Contrary to older contracts, most recent contracts do not include such references.

Dread disease insurance

Overview

If you opt for a non-occupational disability insurance because you feel the conditions are unfavorable or if the insurances have rejected your application, you do not have to waive private insurance coverage because there are still some alternatives: for example the Dread Disease insurance.

The term "dread disease" comes from the English word for "serious illness". The benefit from this insurance is usually a one-off amount. It is paid when one of the contractually defined illnesses occurs. Because even if there is no occupational disability, a serious illness often leads to a permanent restriction of personal performance.

Tip: Text as PDF (please read the instructions!) or to this text complete eCourse Download. Regular promotions or news per Newsletter!

Services and alternatives

Overview

What a dread disease insurance actually does depends on the tariff of each provider. Every society insures different diseases. In general, diseases such as cancer, heart attack, stroke - including bypass surgery - are included in the insurance cover. Basically, the more illnesses are included, the higher the insurance contribution. If one of these diseases then occurs, a previously agreed sum insured is due. As this is usually a one-time payment, a dread disease insurance can also be a useful addition to a disability or occupational disability pension.

In addition to Dread Disease insurance, there are other alternatives to occupational disability insurance: namely basic and disability insurance.

Basic ability insurance

Overview

The basic skills insurance provides a monthly pension in case of loss of certain skills. The contract lists all of the abilities that are insured - such as seeing, driving or gripping.

If the insured person is no longer able to carry out these activities as a result of illness, bodily injury or loss of power, the insurer shall do so. A prerequisite for this is a medical assessment which indicates that the person concerned has been or is not capable of performing at least one of the activities specified in the contract for at least twelve months.

Tip: Text as PDF (please read the instructions!) or to this text complete eCourse Download. Regular promotions or news per Newsletter!

Disability Insurance

Overview

The disability insurance serves as a hedge in the event that you are no longer able to exercise any activity regularly and permanently. In this way, she resembles the statutory pension scheme. Unlike in the case of occupational disability insurance, the profession pursued so far has no significance, nor is the income so far achieved.

A disability insurance is therefore also significantly cheaper than a disability insurance. The following also applies to disability insurance: It is offered as a self-employed insurance or as supplementary insurance in conjunction with a pension, endowment, life insurance or term life insurance.

What self-employed have to consider

Overview

In the case of the occupational disability test at the conclusion of an occupational disability insurance special provisions apply to self-employed with employees. For them, "work" is not just about the job they do themselves. It also checks whether you could delegate certain tasks after an illness or accident.

Such a reorganization of the business should be expected of a self-employed person under the following conditions: You must continue to have a meaningful workspace (not a casual job) that matches your knowledge, skills and workforce and your position as a farmer.

Tip: Text as PDF (please read the instructions!) or to this text complete eCourse Download. Regular promotions or news per Newsletter!

In addition, the reorganization must be spatially possible and not entail any substantial financial losses or investment. In the event of an emergency, however, you must prove that a reorganization is not possible (for example because of your health). The general economic risk is not taken into account.


More knowledge - PDF download, eCourses or personal advice

Overview


Offline download: Download this text as PDF - Read usage rights, Because we do not automatically submit the title of this text for privacy reasons: When buying in "interests" the title register if support is needed. After buying text exclusively Download at this URL (please save).

3,35 Book now


Your eCourse on Demand: Choose your personal eCourse on this or another desired topic, As a PDF download. Up to 30 lessons with each 4 learning task + final lesson. Please enter the title under "interests". Alternatively, we are happy to put together your course for you or offer you a personal regular eMailCourse including supervision and certificate - all further information!

16,20 Book now


Consultant packages: You want to increase your reach or address applicants as an employer? For these and other topics we offer special Consultant packages (overview) - For example, a personal phone call (price is per hour).

149,99 Book now


occupations pictures

You want to comment here? Please the Debate Rules comply, contributions must be unlocked. Your eMailAddress remains secret. More information on the use of your data and how you can counter this can be found in our privacy policy.

  1. To follow debate on this post
  2. All debates follow
  3. Debates per eMail subscribe (add link here!)

Post a Comment

Your email address will not be published. Required fields are marked with * .

JaI would like to be regularly informed about the latest promotions & offers Newsletter be informed.

I hereby accept the Debate Rules and the Privacy policy with the possibility to contradict the use of my data at any time.