Sense and nonsense of a disability insurance: What makes a good insurance?


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Those who are hard at work in most cases hardly think about what will happen if they can no longer pursue their profession. Young people in particular do not want to deal with this issue, because it is unthinkable for them to become disabled one day. It is possible to make financial provision with an occupational disability insurance.

Sense and nonsense of a disability insurance: What makes a good insurance? insurance

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What does disability mean?

Overview

The term "occupational disability" is defined as if the employee can no longer pursue his profession before entering the pension age for health reasons.

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Diseases that may lead to this condition include, for example, mental illness. Cardiac and back problems, cancer or severe restrictions of the movement apparatus can also be counted.

One in four must give up their profession prematurely

Overview

Even serious accidents leading to permanent disability can be responsible for this. According to statistics, it happens to every fourth person that he has to give up his profession for one of these reasons prematurely.

As the state can hardly expect sufficient financial support, so that the unemployed can suffer enormous losses, a disability insurance should be available.

Why a hedge can be important

Overview

The insurance is especially important for all those who, according to the 01. January 1961 are born. Since the reform of the pension system, they have not been able to secure adequate coverage by statutory pension insurance.

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The statutory incapacity for work or the incapacity for work which resulted in the pension benefits were replaced by the reduction in earning capacity. This has resulted in a considerable supply gap, so that private security can be regarded as extremely important.

Disability insurance is of limited use

Overview

The full disability pension is paid only by the employee, who is able to pursue a profession less than three hours a day. The amount is around 34 percent of the last gross income.

Anyone who is able to work for three to six hours must be content with about 17 per cent, who can work for more than six hours, does not receive any benefits. It may also be required that the employee pursue a profession which is completely unrelated to the sector.

Private occupational disability insurance

Overview

If a private security exists, this immediately provides benefits for a professional and proven restriction and this in the agreed pension level. It is not necessary to pursue another profession which has nothing in common with what has been learned.

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However, it is important to make a comparison before the conclusion, in order to get the best offer for the most reasonable contribution. Above all, attention should be paid to the fact that the payment of the pension is selected in such a way that no financial losses have to be made.

Attention abstract reference

Overview

In addition, the term should be chosen until the retirement age. In addition, care must be taken to ensure that abstract referral is in principle excluded.

This is for the reason that benefits can not be refused on the grounds that the insured person can carry out another profession despite his limitations.

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  1. Agnes Josetti

    I'm not that much of an online reader
    your sites really nice, keep it up! I'll go ahead and bookmark your website to come back later
    on. All the best

  2. Isabel

    Today, I'm on the beach with my children. I found a
    4 year old daughter and said "You can hear the ocean if you put this to your ear." She put
    the shell to her ear and screamed. There's a hermit crab inside and it
    pinched her ear. She never wants to go back! LoL I know this is totally off topic but i had to tell someone!

  3. Gerd

    Yes - a BU insurance would be important for most professionals. Unfortunately, the BU insurers have introduced professional groups in the last few years and have constantly increased their number. As a result, the contribution has always been cheaper for physicians, engineers and office workers - but for craftsmen and physically active persons always more and more expensive. If a tiler, mason or roofer is to pay monthly 120 up to 200 Euro for a BU protection that is appropriate in terms of duration and duration, this is no longer affordable for most of them.
    Thus, BU insurers no longer do justice to their social policy tasks today. BU insurance is important for all professionals. And therefore, all professionals should have a fair chance to complete such insurance.

    • Simone Janson

      Hello Gerd,
      I agree with you. However, it is always difficult for benefits that should be socio-politically important to be in the hands of private companies that are more interested in their own profit than in the common good - which, incidentally, they can not blame. In addition, a large part of the disability reasons of a psychological nature - perhaps that is one of the reasons for the increase in contributions?

    • Artur Jauk

      An insurance for craftsmen is expensive. But some insurance companies offer a tiered rate. You pay a lower fee in the first 5 years, which subsequently increases. And only from the 11. Year you pay the full fee and still enjoy full insurance cover.
      While this is a risky business for some insurers, this is a big market. Thus the disability insurance would be affordable for some.

      • Simone Janson

        Hello Mr. Jauk,
        thank you for the hint. Perhaps you should fairly say that you as a financial consultant probably get commission from insurance companies.

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