Why is occupational disability insurance useful?

Every fourth employee in Germany becomes permanently or temporarily unable to work in the course of their working life; benefits from the state are not provided for this purpose.

Is occupational disability insurance worthwhile?

Absolutely! Because anyone who becomes unable to work can no longer cover their living costs, which were aimed at a successful working life. Even the occupational disability insurance for doctors,
occupational disability insurance for lawyers and entrepreneur makes sense. Die ERGO occupational disability insurance offers innovative solutions for various professional groups.

Costs of disability insurance — What do you have to plan for?

The costs of disability insurance depend on various factors:

• Age and health status at contract conclusion
• Occupation (current job)
• Insurance period and benefit amount

Early coverage — ideally even as a pupil, student or trainee — saves premiums and guarantees full insurance coverage. In doing so, you avoid the likelihood of having to accept permanent exclusions and risk surcharges due to pre-existing conditions and injuries or even being rejected.

Recommendation from Dirk Skau: Should pre-existing conditions or injuries be specified in the health declaration you submit over time, it is advisable not to submit an application, but to resort to a preliminary medical inquiry. This avoids the risk of rejection, which you must specify when looking for an alternative.

Tax disability insurance: Disability insurance tax deductible?

Many ask themselves: “Is occupational disability insurance tax deductible? ” The answer is: partly. The contributions to BU insurance can be claimed as pension expenses in the tax return. However, this should play a minor role in your decision.

Disability insurance payout

As a rule, 50% occupational disability is sufficient to receive the full benefit. Contrary to persistent prejudices in the event of a claim, more than 90% of all claims for disability are submitted to insurance companies without bureaucracy. The start of benefits depends on the forecast period in insurance conditions. So-called premium tariffs are recommended here to avoid surprises. The amount of benefits should be appropriate and the length of time until retirement provision starts should be chosen. Both are agreed upon conclusion of the contract.

A request from Dirk Skau: Please do not compromise on these two criteria.

Occupational disability insurance without health issues

It is true that individual tariffs are offered with few or even no health issues. In principle, it applies to you that you at Occupational disability insurance without health issues Must accept compromises in various forms.

Cancel occupational disability insurance

One Cancel occupational disability insurance should be carefully considered. If a change of provider is plausible for you, you should only cancel your pre-insurance once the insurance provider has given its commitment. Please note that your information in the health declaration must be correct and the intermediary's recommendation to switch should be formulated in the consultation documentation.

Take out occupational disability insurance sensibly

Whether a Disability insurance for doctors, disability insurance for lawyers or employees — the Occupational disability insurance makes sense for every professional group. Die ERGO occupational disability insurance offers coordinated and individual tariffs for a wide range of industries.

We would be happy to provide you with full information about Costs of disability insurance. Let our experts advise you to find the best protection for your needs!

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Ein unvorhergesehenes Ereignis wie ein Brand oder Wasserschaden kann dazu führen, dass Ihr Betrieb stillsteht. Unsere Betriebsunterbrechungsversicherung sichert Sie gegen den daraus resultierenden Verdienstausfall ab und sorgt dafür, dass Sie schnell wieder handlungsfähig sind.

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Auch im digitalen Raum alles unter Kontrolle: Wir zeigen Ihnen, wie Sie Ihr Unternehmen vor den Folgen von Cyber-Risiken schützen können.

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Why us

We understand that every company has unique challenges. That is why we develop modern solutions that are tailored exactly to your needs. With us As a partner, you can be sure that your company Optimally protected is — today and in the future.

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Let's develop a strategy together that is just as dynamic as your life. Our team stands by your side across the gates of Flensburg and ensures your safety — so that you can fully focus on the winners' podium.

Lesen Sie auch diesen Artikel zum Thema: www.versicherungsbote.de/id/4914277/Die-Berufsunfahigkeitsversicherung-muss-den-veranderten-Arbeitsbedingungen-gerecht-werden-/