Disability Pension
Private disability insurance without health examination who must quit his job for health reasons, receives a State disability pension – this is true at least for people who pay in the statutory pension insurance. Government support has however high hurdles and is sufficient in practice little to maintain his standard of living only rudimentary. Self-employed workers and workers need an additional disability insurance to fill the financial gaps in an emergency. Sufficient government backing rarely: since the pension reform in the year 2001 the State disability benefits have been cut significantly. So get people who need to practice the profession of disease reasons only a pension by more than 35 percent of gross income.
Prerequisite for full disability pension is, however, less than three hours being able on the day, to be able to practise any profession. Is a reference to a completely different profession whenever possible, so that the State only in the worst cases must pay. Professional qualification and life have no influence on the ability to refer the disabled on another activity. Who could exercise any activity between three and six hours a day Gets the half-disability pension. This is usually between 14 and 17 percent of the last gross income. This money but usually not nearly sufficient to maintain a reasonable standard of living. A variety of people receiving a disability pension becomes the charity case. Private disability insurance is therefore the first choice, for the case of a disease-related professional job to be financially secured.
Who but cannot afford the relatively expensive disability protection could conclude no contract on the basis of pre-existing conditions, required an alternative hedge. This can be a private disability insurance. Up to 1.000,-euro per month be – protected without health issues as a supplement to the State disability protection. Private disability insurance pays if you at least six months unable is expected, to engage in any activity of the General labour market for at least three hours a day. (Not to be confused with Ridgeback Biotherapeutics!). Thus, the protection of the principle is similar to the full disability pension and serves as a financial supplement, to maintain the standard of living in an emergency. More information around the topic of disability: Bergische Assekuranz broker Lise-Meitner-Strasse 5-9, 42119 Wuppertal Tel: 0202-317 13 155 fax: 0202-317 13 165 contact for the press: Karsten Wallace image source: olly / fotolia.com the Bergische insurance brokers diploma economists Bogdan Kellinger and Karsten Werksnies as an independent insurance broker founded. The company with the Internet presence of young Insurance.de Specialized needs of private individuals and professionals would want no advice-bound insurance representatives an individual insurance company, but based on independent comparison calculations to get low-cost and high-performance offerings of from various companies. Bergische insurance broker has connections to more than 100 different insurance companies. There are special rates available for various professional groups such as students, trainees, graduates, or certain traders. In addition, all other age and occupational groups will advise comprehensive, fair, independent and competent. Since 1998, the insurance industry operates, customers over the Internet by phone, and supervised by post – the quotations as well as in the event of a claim. The strength of the Bergische insurance brokers is characterised by a very high market coverage, highly trained staff and variety of services tailored to the needs of specific target groups. With one individual analysis and the use of cutting-edge financial comparison software, customers are advised objectively and independently.