Increasing importance for the protection of the labour force the Germans are very comprehensive in many areas and (too often) expensive insurance. The protection of own labour power, however, is but still not widely used, although the personal labour for most people is the most important source of income. Who can no longer exercise his profession for health reasons, in danger of a social descent. The Government services were restricted and enough even under the Hartz-IV level. The early statements protects private disability insurance, which pays an agreed monthly pension as a substitute if you no longer are able for health reasons, his previous profession. However, many people underestimate health risks, having to give up their profession prematurely. The statistics of the Deutschen Rentenversicherung say federal, that now every fourth worker and every fifth employee in advance on the basis of health complaints his profession must give up. Government backing in the event of occupational disability was in fact abolished some years ago.
There is only a certain protection for the cases in which it can exert no profession at all. This so-called disability protection not sufficient however by far, to secure his current standard of living. Even consumer watchdogs call the disability insurance therefore in addition to the liability and health insurance as the most important insurance coverage at all. With appropriate disability insurance, you can ensure that you can maintain his standard of living in the emergency of a disability and don’t fall through the social network. A combination of occupational disability protection and pensions can be sometimes useful. The prices for a good disability protection depend on the age at the conclusion of the contract, exercised occupation, gender, health status, the insurance period and the amount of the pension.
Also from the selection of the appropriate Insurer. The price differences are here: enormous. However care must be taken in addition to the price also on other criteria such as the conditions of the insurance, the financial strength and reliability of the insurer or individual aspects. As a principle: the younger and healthier you are in the contract, the cheaper and better you can get a good disability protection. More information on the disability insurance as well as the possibility to request an independent comparative calculation can be found on the website. Bergische Assekuranz broker Lise-Meitner-Strasse 5-9, 42119 Wuppertal the company has specially on the 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 in the insurance industry are active customers via the Internet, by telephone and by post served – when preparing offers, 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.
