One in five employees becomes disabled
Time and again, consumer associations, insurance companies and experts point out that private insurance against occupational disability is one of the most important insurance policies. Therefore, I present here a detailed series of articles on the topic online.
The fact is that one in five employees and one in three workers leave the job before they reach the age of retirement because of their professional or occupational disability. The main causes are cardiac and circulatory diseases, orthopedic impairments, diseases of the nerves or psyche, tumors and internal diseases.
Common reasons for disability
The causes vary according to occupational group, age and gender: For 39-year-olds and employees, psychological reasons are the most common cause. For workers and nursing occupations, physical workload at work plays a major role in the disease type statistics. They are often affected by skeletal, muscular or connective tissue disorders leading to occupational disability.
Contrary to many guess, accidents play only a subordinate role. A pure accident insurance is considerably cheaper than a guarantee against disability, but it does not offer sufficient protection against the restriction of the ability to work.
|The distribution of causes by gender:|
|Diseases of the skeleton / muscles / connective tissue||18,4%||17,8%|
|Diseases of the circulatory system||14,7%||6,3%|
|Diseases of the digestive system / metabolic diseases||5,1%||3,4%|
|Diseases of the respiratory organs||3,0%||2,0%|
|Diseases of the genitourinary system||1,0%||0,9%|
|Diseases of the nervous system||5,9%||6,9%|
What are the risk groups?
- Among the occupational group 1 with low risk factors, doctors, architects or office workers are examples.
- The group 2, normal, includes, for example, bank specialists or salespeople.
- The occupational group 3 with a higher degree of risk is usually classified as nurses, restaurant owners or crane operators.
As occupations with particularly high risk, group 4, concrete builders, bricklayers, machine locksmiths. In principle, physically active persons have to reckon with higher premiums than head workers.
Some occupations are often only insured to a limited extent. Some risk groups, such as craftsmen or teachers, have a hard time obtaining contracts that go beyond the 60. Year. Special insurers, such as roofers or scaffolding builders, sometimes demand high risk surcharges. Photographers, photo-models, artists often fall entirely out of the insurance, because a professional disability is difficult to verifiable.
Which profession belongs to which group?
Which profession belongs to which group, however, can be very different for the individual insurance companies. Therefore, you should look for an insurance that best suits your profession. Clarify exactly which profession you insure. Anyone who has unconsciously insured the wrong profession is in breach of the insurer's guideline and is jeopardizing his insurance cover because the insurer can challenge the contract or withdraw from the contract due to violation of the pre-contractual obligation to notify.
Some insurers state in your contract that you must report a change of employment or the admission of a risky hobby, so that the risk can then be reassessed
When the living conditions change
And even if circumstances change (eg marriages, births, income growth or property acquisition), some insurance companies require a new health check. This can all lead to increases in contributions or less favorable conditions.
Failure to do so will result in the loss of the insurance cover. However, good insurance companies do without the notification of such changes. The contract may then be continued on the same terms.
Self-employed persons must prove to the insurance company that their activity regularly generates corresponding revenues. They usually demonstrate this by an average income of the last three years, because it is important that no excess or severity of work is insured.
Those who have just started their own business can initially only insure a certain amount of pension, usually between 500 and 1000 euros per month. Important: take future salary increases and the effects of inflation into account and agree on a so-called “dynamic”. Then the insured disability pension automatically increases with the insurance contribution over the years.
In case of unemployment
If you become unemployed, you should continue your disability protection so that you continue to be entitled to benefits. In addition, it is more expensive because of the higher age, or pre-existing conditions, and it may even be impossible to conclude a professional disability insurance again later.
Write down that on application also an interest-free deferment of the contributions is possible, without the insurance protection is lost. This is important if you have no income at times.
The company Morgen und Morgen independently analyzes and evaluates the conditions, applications and internal data of occupational disability insurance. Insurances rated here with five stars fulfill all the important criteria of optimal occupational disability insurance.
Therefore ask specifically for appropriate evaluations, for example with your advisor. The results are published regularly in the business press. Stiftung Warentest also regularly assesses occupational disability insurance.
Please take this into consideration when submitting applications
When filing for insurance, do not tell if you have already applied elsewhere for applications that have been rejected. If the insurance asks, that does not speak for them.
And: Make sure that the application forms only ask for diseases and complaints that do not last longer than five years (for hospital inpatient stays not longer than 10 years).
§ 41 clarify
Clarify whether the insurer waives the application of § 41 of the Insurance Contract Act. This would allow the insurance company to retroactively withdraw from the contract or to increase the premium if there was already an increased risk at the start of the contract but that you were not aware of it and that you did not specify it.
Important: Exclude termination and premium right for this reason or limit this right to at least five years.
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