Is it worth taking out disability insurance?

Occupational disability insurance briefly explained

• The disability insurance is intended for both the employee and the self-employed Disability or other illness support the financial loss with the help of insurance balance.

• It is generally the case that the earlier such an insurance is taken out, the more likely it is to be worthwhile.

• If you enter into a contract for occupational disability insurance early, the contributions are rather low. Also, there are usually no other illnesses that could worsen the contractual terms. Because previous illnesses are less likely to be insured through BU insurance.

• Of the German Pension Insurance Association has already announced that every 5th has to leave his job prematurely. However, the psyche is usually more involved.

• Incapacitated does not necessarily mean unable to work. A job change can definitely be worthwhile and could also be required.


Is accident insurance necessary? Advantages and disadvantages

One of the private insurances that are very often recommended by experts is the ...

• The insurance can be taken out as sole insurance or as a supplement to one Life insurance or private pension insurance.

• Under no circumstances should you hide illnesses. Enter e.g. B. exactly what an existing occupational ailment is, because this could then run through the SGB VII line of the employers' liability insurance association.

Is insurance even worth it?

• In principle, the insurance is worthwhile if you work in dangerous areas. Family fathers also have a completely different financial level than single singles who have earned little and no big ones costs to have.

• Those who have a long list of diseases are likely to be excluded.

• Sometimes you have to consider that depending on the event, some of the Hartz IV will be charged. Private insurance is not a classic statutory one social benefits. However, you can also add a Accident insurance so you can get even more cash. With Hartz IV, however, depending on your income, you will also be paid the rent or, in the case of home ownership, the ancillary costs.

• Occupational accidents and work-related health hazards are covered by the employers' liability insurance association. And civil servants are entitled to salaries even in the event of incapacity.

That is why a BU is worthwhileinsurance not for everyone.