who stuck in work life stands, in most cases hardly thinks about what will be when they get their Job can no longer exercise. Disability insurance can help with this.

insurance

What does disability mean?

Disability is defined as when the employee is no longer able to work for health reasons before reaching retirement age. But above all Boy People do not want to deal with this topic because they cannot imagine that one day they could become unable to work.

The illnesses that can lead to this circumstance include, for example, mental illnesses. Heart and back problems, cancer or severe limitations of the musculoskeletal system can also be included. It is possible with a disability insurance financial prevention to operate.

One in four must give up their profession prematurely

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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.

Since the state can hardly expect sufficient financial support, so that the disabled person has to accept enormous losses, occupational disability insurance should be available.

Why a hedge can be important

The Insurance is to be considered particularly important for all those who were born after January 01st, 1961. Since the pension reform, they cannot expect sufficient protection from the statutory pension insurance.

The statutory occupational disability or incapacity for work, from which the pension benefits resulted, have been replaced by the disability pension. This has created a significant gap in coverage, so that private coverage can be viewed as extremely important.

Disability insurance is of limited use

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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

If there is private insurance, it will pay immediately Performance in the case of a professional and proven limitation and this in the agreed pension amount. You are not required to practice another profession that has nothing in common with what you have learned.

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.

Sticking points with disability insurance

However, there are some sticking points to consider with every disability insurance, such as certain contractual clauses or

1. Attention abstract reference

In addition, the duration up to retirement age should be selected. In addition, it must be ensured that abstract references are generally excluded. This is for the reason that benefits cannot be refused on the grounds that the insured person can still pursue another profession despite his or her limitations.

If your insurance contract contains wording such as “…if the insured person is unable to carry out his/her job or any other activity which he or she is able to perform due to his/her health reasons Vocational Training and experience and which corresponds to his previous position in life” contains: Keep your hands off it. It is a so-called abstract reference.

This means that you are not covered by the insurance Money as long as you can still carry out such an activity, even if you could only theoretically do the other work, but in practice there is no need for your (health-impaired) workforce and you therefore cannot find a job - that can also mean, according to current case law, that you pay 20 percent less to earn.

2. Correctly state previous illnesses

If you take out disability insurance, it's bigger Significancewhich previous illnesses your medical history shows. Then
In order to determine the contributions and conditions for the entire contract period, each insurance company also checks the health risks beforehand.

Then, based on your health characteristics and medical history, you will be assigned to a community with an equally assessed so-called risk profile. For that you need a number of Ask for Health answer in writing in the five to ten years before submitting the application.

When many or difficult pre-existing conditions exist, many require Companys a risk premium in the form of higher contributions. It is possible that the health impairment is too substantial to offset this with a premium supplement. In some cases, applicants are also unwilling to pay an increased premium.

3. Attention self-employed

Special provisions apply to the self-employed with employees when taking out occupational disability insurance. For them, the "profession" is not just about the activity that they do themselves. It is also checked whether you are certain after an illness or an accident Tasks could delegate.

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.

In addition, the reorganization must be spatially possible and not entail significant financial losses or investments. In an emergency, however, you must prove that reorganization is out of the question (e.g. because of your health). The general economic Risks is not taken into account.

Check alternatives to occupational disability insurance in good time

Since, for the reasons mentioned above, occupational disability insurance is not possible for many people, those wishing to take out insurance should also consider alternatives so that in an emergency, you are not left without insurance altogether.

This also includes so-called basic skills or dread disease and life insurance policies that only cover certain risks. While they may not provide comprehensive disability protection, they can still provide viable one Alternatives represent.


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