Insurance against occupational disability: What does social insurance cover?

Previous PartNext part

We want to make work more humane and ecological, therefore we donate - documented - revenue for afforestation. When Publisher Best of HR -® with books, 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, Wikipedia .
Copyright: Artwork created by Simone Janson | Best of HR®

Consumer associations, insurance companies and experts are constantly pointing out the importance of occupational disability insurance: occupational disability is much more common than many think. And the benefits of the statutory social security are rather modest.

Insurance against occupational disability: What does social insurance provide? Insurance against occupational disability: What does Social Security do?

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This entry contains content and information that may be out of date, eg due to legal or statistical changes.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

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.

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

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%.

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

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.

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

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:

Disability benefits:


  • 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.

Calculation example:


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.

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

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.

More knowledge - PDF download, eCourses or personal advice


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!)
  1. Tatyana Mertens

    What are the benefits of the health insurance for disabled people?

  2. Simone Janson

    Dear Samira,
    I am glad about the praise, because you just realize that your own work is not for nothing. To your question: Look here in the lower part for health insurance and unemployment.
    I can not make a detailed legal advice.

  3. Samira

    This post has helped me to orient myself in this whole insurance jungle. Especially the consideration between private and statutory health insurance, I find very helpful. Still open to me is the question of how far I have in case of unemployment and co continue to pay contributions? The current crisis unsettles me quite strong.

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.