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Why protection against occupational disability makes sense
Private insurance against occupational disability is one of the most important insurance companies at all. Before finalizing, however, you should pay attention to some things. My contribution to the topic, which you can access here, helps you to find the right precautions for you.
He tells you what disability is, what benefits are covered by health insurance and accident insurance in the event of disability or incapacity for work, which you should pay attention to in the case of private disability insurance and the alternative precautionary possibilities.
What does the statutory health insurance
For longer illnesses you can get from the statutory health insurance 70 percent of their income of the last twelve months.
The sick pay is paid for the same illness in three years but for a maximum of 78 weeks. When the health insurance company pays, depends on the rate on which you are insured. In the normal tariff you have the right to sickness benefit from the seventh week of illness in case of illness.
Advanced health insurance
If you want to receive health insurance already from the third or fourth week of illness (for self-employed persons who can not get compensation from the employer in the first weeks of their illness), you must pay an increased contribution of up to 18,8%.
The contribution levels and also the achievements are very different. Ask them at different cash desks. If your own health insurance requires too much, it is worth a change. If you are insured with a reduced rate, you are not entitled to any health insurance.
Private health insurance
In addition, you can protect yourself against the loss of earnings in case of illness with a private sick leave insurance. If you are legally insured, you should compare the private and statutory funds, as conditions of the statutory funds are generally better.
The tariffs for a sick leave allowance of 50 Euro from the 15.Krankheitstag vary according to the age of entry and gender in the order of magnitude between 25 and 125 Euro per month. The lower the sickness benefit to be paid and the later the start of payment, the cheaper it becomes.
The health insurance benefits are only available for temporary illnesses. As soon as it turns out that it is a matter of a permanent incapacity for work, not a temporary illness, the health insurance usually makes the payment.
Pension insurance and disability
If you have been covered by statutory old-age pension insurance for at least five years (including child rearing, retirement, retirement, spousal employment, substitute periods), you have been compulsorily insured for at least three years for the last five years prior to your incapacity for work , you are entitled to the following services:
- If you are born before the 02.01.1961, you will receive a disability pension equal to half the reduction in earning capacity (if you are less than six hours a day for health reasons (proof required by the doctor) in your or any other reasonable occupation can work.
- If you were born after this date or only entered the pension insurance scheme after 2000, you can only get a statutory income reduction. This means that for health reasons you can work less than three hours per day (full income reduction), or between three and six hours (half a job reduction), no matter what profession and regardless of whether a job is actually available.
In the case of a gross income of 5250 Euro that is subject to pension insurance, the half-pension loss 16% of the current income, ie 840 Euro, is the full invalidity rights of 31%, ie 1630 Euro.
The pension is paid only from the seventh month of the reduced earning capacity. Unlike a private occupational disability insurance, a state disability pension will take you before the 66. Your old-age pension will be reduced for each month of your previous pension by 0,3 percent, but not exceeding 10,8 percent.
The retirement or occupational retirement pension is taxed like the retirement pension. Every three years, it is checked whether you are not able to work again. Only if you have not been able to work for nine years, you will get a permanent reduction.
Statutory accident insurance
The statutory employer's liability insurance or accident insurance, which you have completed privately pays a disability pension - but only after occupational accidents. Accident insurance for the private sector, on the other hand, pays exclusively for accidents that have happened in private life. The professional associations also pay for certain statutory occupational diseases.
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