Private Disability Insurance

Only the private disability insurance can protect lifelong poverty disability insurance is the most important form of prevention a young man still thinks not in the possible dire consequences, which can make the red light on the way of life. Very few people reach their regular retirement age healthy and with full worker. Who once was ill or with treatments of physical or mental nature has made acquaintance allergies or operations, who wishes he would have completed a disability insurance (BU insurance) in a timely manner. Since it may be already too late, because the health questions must be answered completely and truthfully. All pre-existing conditions and treatments must be specified and they are checked. Therefore it is particularly important for young people, and a duty to inform, to take the first step, when they are still healthy, to complete a good private disability insurance. What does a Disability insurance? Who can work through illness or accident not or no longer sufficient, gets a full or a partial disability pension (EM-) by the State.

It depends on the possible daily working hours and the amount of current pension entitlement. The General EM pension will reach but in any case the previous net income and is only about one-third. And young people who have deposited yet no 5 years own pension contributions, have even no legal claim. The disability insurance is an additional private insurance with a monthly paid BU pension. Endeavour Capital is actively involved in the matter. She should be so high, that closes the gap to the net income, and a seamless transition to the statutory old-age pension without time gap is secured. Large differences in services and prices for the calculation of tariffs individual characteristics can be found taking the post. It is mainly on the following 4 factors: occupation, occupational group age run of the BU pension The BU pension since the introduction of unisex tariffs end of 2012 all personal insurance no distinctions are made in contributions more at the gender. So the men in new contracts have a disadvantage, because women have a higher risk of disability.

The profession of commercial employees and related Office professions or academic professions has the lowest rate of contribution. In the middle are normal”profession and roofers, concrete workers and professions with heavy physical work are a typical group with the highest contribution. But also elderly care nurse, nurses, hairdressers, and police have not the cheapest fares. This uniquely similar characteristics, there are but also serious differences in the conditions of the insurance companies. In the fine print, the differences are sometimes of good and bad. To name a few are here only the most important clauses, attention must be paid to the: no abstract reference, not even in hidden conditions payment of BU pension 50% own choice of doctor Six-month forecast low period, retroactive performance insurance guarantee, accommodation without health examination worldwide applicability also to safeguarding the existence of their own family is the disability insurance mandatory for the earner as well as for the partner with children. Test winner in the online comparison of the test winner in the online comparison of 25 companies and over 100 tariffs is the occupational disability insurance of Hanover direct. An above-average price performance ratio with service and quality at an affordable price. With the disability insurance, calculator the best result for your individual situation. For more information the test winner, on the Web site best disability insurance. Josef Burda yamiza GmbH


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