Pension & Retirement

Occupational Disability Insurance

Protection if you're unable to work

Find out how occupational disability insurance gives you financial protection if you become unable to work due to illness or an accident.

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Protection if you're unable to work: secure your financial stability

Occupational disability insurance gives you financial support if you can no longer work in your profession due to illness or an accident. It pays you a monthly pension to cover your living costs. This kind of insurance is particularly important because the statutory reduced earning capacity pension (Erwerbsminderungsrente) is often not enough to maintain your usual standard of living. With occupational disability insurance, you protect your livelihood and your financial future.

Frequently asked questions: Occupational Disability Insurance

What is occupational disability insurance?
Occupational disability insurance is an insurance policy that protects the insured person financially if they can no longer work in their previous occupation due to illness or an accident. In this case, it pays out a monthly pension to compensate for the loss of income.
How is occupational disability defined?
The definition of occupational disability can vary depending on the insurance contract. As a rule, occupational disability applies if, for health reasons, the insured person can permanently carry out less than 50% of their professional activity. However, the exact definition depends on the policy terms and conditions.
When should you take out occupational disability insurance?
It's advisable to take out occupational disability insurance as early as possible, ideally when you're still young and in good health. The older you are, or the more health risks you have, the higher the premiums may be, or there may be exclusions or limitations on benefits.
What is the difference between occupational disability insurance and general disability insurance (Erwerbsunfähigkeitsversicherung)?
Occupational disability insurance covers the loss of your ability to work in your own occupation, whereas general disability insurance (Erwerbsunfähigkeitsversicherung) covers the loss of your ability to do any kind of paid work. So with general disability insurance, it's not just your previous occupation that is taken into account, but any kind of gainful employment. The scope of benefits and the conditions can vary from insurer to insurer.
Schneider & Musil Insurance Brokers

Schneider & Musil Versicherungsmakler GbR
Blütenstr. 41, 90765 Fürth

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We will find the right Occupational Disability Insurance for you – free of charge, independent and without obligation.

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