Disability Insurance

Disability: A frequently underestimated risk

Imagine, you could no longer practice your learned profession. Who is then on for a living? Little help from the state is expected. Provide better today. Here you find cheap insurance against disability!



The risk of disability affects not only people living on their own labor. Everyone is at risk. Each has the third case of mental incapacity grounds today.

From Social State to disability but little help is expected. The statutory pension for incapacity is subject to strict conditions. Young people often receive so little that the social decline is inevitable.

Private disability insurance comparison

Since the state provides little help in disability, you need to secure private. The rule of thumb is: The younger the applicant, the better the protection against occupational disability. Also, the extent of insurance played a role. When you make a full coverage, the insurance pays even at reduced disability. With a partial hedge Save contributions, but may have to take a job that does not meet your training.

Every disability insurance is also subject to a medical check. Those who have health risks or working in hazardous occupations, must pay higher premiums. Note the amount of the payout. You should make up at least 75 percent of their net income, if you want to move away from its normal standard of living not too far.

For more information, please visit our trade portal for disability insurance

Risk of disability

The risk of disability is underestimated by most people greatly. One in three people in employment is becoming disabled before retirement. The main causes are damage to joints and spine, followed closely by the increasingly common mental disorders, cardiovascular diseases and tumors.

Hardly anyone wants to deal in his early years with the idea of being able to exercise their own professional fails to. But after all, about one in three people in employment is still unable to work before retirement, whether through an accident or serious illness. Find out just in time on appropriate precautionary measures!

Ever since 01 January 2001 will receive all born after 1960 professionals in the case of disability in fact no more payments from the statutory pension insurance. Instead, the disability pension was introduced, but which also has only the claim that not even three hours a day can do some work. The state aid is also as low that they can keep you and your family not before the financial crash.

Berufsunfaehigkeitsversicherungen

Berufsunfaehigkeitsversicherungen are very complicated products. For there is a whole jungle of different services that can assess a layman because of Fachtermina but little or differ.

In any case, it is useful to learn about Berufsunfaehigkeitsversicherungen intensive, because speak a disability entering into a financially extremely stressful event, which is why insurance experts also from a fundamental and existentially important insurance.

When comparing the quality and cost of insurance you should consider in each case different tests or ratings to help, for example, the test of Stiftung Warentest or various rating agencies. can also survey your computer on the Internet here to be good.

The Basics

Can you no longer practice his profession because of an illness and is unable to work, the insurance pays a monthly pension. Since the state services fail in the field of disability is very low, financial experts consider the disability insurance as one of the most important preventive measures at all.

Since it is surprising that most people the risk of being unable to work, still underestimate. Young people who are still in training or study, deal, according to consumer advocates and financial experts too often with the possible loss of the desired and dreamed profession. This approximately one in three workers before retirement age is professional or incapacitated. Private provision is more necessary. Find out here!

Scope
About disability insurance, the insured receives a monthly pension.

useful for whom?
Basically, any working person hedge its risk of occupational disability due to illness or accident in addition. This applies particularly to all entrants whether self-employed or an employee.

Risk of disability
Hardly anyone wants to deal in his early years with the idea of being able to exercise their own professional fails to.

The cost
In calculating the contributions, the insurance companies their customers into different groups with different degrees of risk.

Disability compared
We tell you how much you have to pay around for a private disability insurance. However, it is crucial not only the price.

Listen up!
A common form of screening is the combination of disability and term life insurance.

The right contract
If you have opted for disability insurance, you will see probably face a variety of vendors.
Scope

About disability insurance, the insured receives a monthly pension if the disability caused by illness and injury and is medically proven.

Moreover, some insurers also participate in rehabilitation or help in returning to work.

Before concluding, think about the future
If you increase the pension payments later possibly to match rising living costs or a change in family circumstances, you should do in the contract expressly agree.
useful for whom?

Basically, any working person hedge its risk of occupational disability due to illness or accident in addition. This applies particularly to all entrants whether self-employed or because the statutory minimum entitlement to disability benefits after 5 years of waiting does. Until then, there is no insurance protection. For students, apprentices, students and housewives are no claims from the statutory pension insurance. The completion of a private disability pension is therefore essential. Here, however, the insurance cover usually engages with the complete inability to work, or the training or study must be completed already to 2 / 3.
The cost

In calculating the contributions, the insurance companies their customers into different groups with different degrees of risk. This is based on the occupation. Thus, an academic who works mainly in the office a much lower risk of being unable to work as a construction worker or farmer. People with predominantly physical activities pay the highest fees.

In addition, the age a role. Generally, the younger you are a disability insurance at closing, the better are usually the conditions.
Listen up!

A common form of screening is the combination of disability and term life insurance. the insured's work due to illness or accident can not exercise, refers to a monthly pension, in the case of his death, the relatives will receive a certain sum, which was recorded in the contract. It makes sense that combination, which is sometimes more expensive than the pure disability protection, that is only for people to look after the members have.

Please ensure that your contract runs out too soon and the rent is not calculated to close. Include factors such as inflation and rising demands in old age in your calculations necessarily one. Where possible, use the option on higher insurance - without having to perform can be a further health check.
The right contract

If you have opted for disability insurance, you will see probably face a variety of vendors. When the selection is: even more important than price, the conditions that will give you your insurance company.

The so-called abstract reference to a job offer the insurer the opportunity to press before the annuity payments, arguing that the customer could still pursue, despite some health limitations other than the recent activity. In any case, you should choose an offer that the waiver expressly relied on this passage - it will always get your monthly pension payments.

Some insurers also offer the option to pay retroactively for reporting of a disability. Find out before completion of a policy that is thoroughly and ask for tips!

Flagrant supply gap
Since 2001, people born after 1960 will receive in the event of disability only a disability pension - and only if 3 hours of work daily are no longer possible. Legal protection is thus virtually nonexistent. The custom of this exposure is essential!