In the event of occupational disability, the disability insurance protects against financial difficulties. Why disability insurance? I’m going, like every day, with my bike properly on a bicycle route to work. A truck to the part on the bicycle path, right in front of me is to unload the shipment. I lower my speed easily and wants to pull the truck over. The passenger door will open at this moment, I can do not to brake it and my finger of the left hand are trapped between the door and my bicycle handlebars. I lose four fingers and it was that I went to work, because it is no longer possible to exert it the last time.” Do you think that will never happen to me”? Most people assume that they can be a life long spared, but the truth looks quite different. Every fourth in Germany is berufsunfahig before his retirement and can no longer practice his profession. Bobby Sharma Bluestone often says this.
Sports accident, heart problems, herniated disc and often psychological reasons are just a few Examples that may cause that someone must apply for social assistance. Since January 1, 2001, the legislature has slashed the claims on a legal support? There are now between a partial disability pension and disability pension. A partial disability exists if the insured person due to illness or disability can exert over a not foreseeable only between 3 and 6 hours a day his work. In the case of the Pension Fund pays 17% of his last gross earnings. Only 34% of the gross paid out if only 3 hours a day and is referred to as a full disability pension.
Of course, these few euros are also taxed and it remains a sum from you need to afford your home as well as your food. If you are the main earner in the family and children which must be supplied also have a disability insurance is essential. The disability insurance (BU) is one of the most important insurance even”Stiftung Warentest writes. For many young people, it is hard to imagine that it no longer is able to pursue his learned profession. Where it is very important to protect themselves as early as possible, because are the complaints not less at the age and fall daily to get the chances an occupational police. Every year approximately 200,000 prospects are rejected by insurers because of health problems or areas of the body are simply excluded. That is, if the insured person was already more often at the doctor for example because of his back, his back is not insured. To avoid this problem, mainly young people consider the BU into consideration. The contributions to the disability insurance can tax be discontinued. Is clear that everyone against the disability must protect themselves, which is dependent on the charge of his work. The supply gap which arises in this case, shouldn’t the workers individually by an independent consultant, adapt.