Take out disability insurance as a teacher

What you should look out for with an occupational disability insurance

The earlier you take out disability insurance, the cheaper the monthly contributions will usually be. Because the older you get, the higher the risk of disease and therefore also for you insurance the risk that you will be unable to work due to illness.

• Before concluding an insurance contract, you will, as a rule, be informed of any previous illnesses or a medical doctor, similar to a private health insurance Treatments must specify. Be honest here in any case, as incorrect information can lead to the later exclusion of insurance benefits.
• Before you decide on a provider, you should compare different offers in terms of tariffs and services. Find out more on the Internet or invest the fee in a truly independent financial advisor. Financial advisors who offer their services free of charge earn their income from insurance commissions, but often only have a very limited range of options.
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• Make sure that the insurance company not only insures you against the risk of not being able to work at the time of the conclusion of the insurance contract. Because then you would fall out of the insurance if you change your profession and no longer work as a teacher, for example. The insurance should therefore generally protect you against the risk of not being able to work in the profession that you have exercised when the insured event occurs.

What you should think about especially as a teacher 

• As a teacher, you will usually be a civil servant. Then, if you can no longer work in your profession, you will be incapacitated. When you take out disability insurance, you should therefore make sure that the contract has a corresponding one Contains incapacity clause, so that the insurer also records the incapacity determined by the employer as a Recognizes occupational disability.


Disability insurance and accident insurance - two important types of insurance

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• Due to the increasing stress in the teaching profession, many teachers no longer reach the intended retirement age, but are often incapacitated much earlier. You should therefore take out disability insurance as early as possible during your training as a teacher, i. H. in traineeship or studies. If you are already a teacher and perhaps older, the insurer may reject your application if they think you are maybe feel the first signs of fatigue and stress symptoms in your job and quickly protect yourself against the impending incapacity for work want.
• As a civil servant, in the event of incapacity for work, you generally have better statutory protection than an employee who becomes incapacitated after many years. Therefore, consider the period for which you take out disability insurance. Since the employer is able to provide care if he becomes unable to work after the age of 55. Age is often sufficient, you can save considerably on the contributions if the disability insurance only runs up to this point in time.
• Since the pension entitlements increase with seniority, you can as a civil servant Teachers take out disability insurance even without an agreement on a dynamic increase to lock. In this case, the pension agreed for the occurrence of the insured event will not increase, but your growing pension entitlements may not result in a pension gap. On the other hand, the monthly contributions do not increase either.

As a civil servant teacher, you should therefore take out occupational disability insurance specially tailored to civil servants, which can save you considerable costs.