WHY SHOULD YOU TAKE OUT OCCUPATIONAL DISABILITY INSURANCE
Statistics show that one in five employed persons becomes incapacitated before the start of their old-age pension. In the craft sector, even one in four becomes incapacitated. Since the disability pension has been replaced by the disability pension for all those born after 1961, there is a special need here. Due to the possibility of being referred to another profession, any activity of the general labour market must be accepted. The statutory disability pension is so low that it does not even cover the basic needs of a working person. This resulting supply gap should be closed by every responsible professional.

WHAT SHOULD YOU CONSIDER DURING THE HEALTH CHECK?
The questions about health must be answered completely and truthfully in order not to risk the existing insurance coverage. Insurance companies often ask about visits to the doctor in the last five years. In the case of hospitalization, the last ten years are queried. Especially in the event of damage, the insurance company reserves the right to check your details exactly. This is done by releasing the attending physician from the duty of confidentiality. In addition to the health issues, precise information about hobby and profession is also required. If your profession changes during the term of the contract or you start a risky hobby, this does not have to be reported.

HOW HIGH SHOULD YOUR DISABILITY PENSION BE PER MONTH?
The optimal amount of the occupational disability pension depends on your personal needs. However, you should secure at least a third of your current net salary, optimal would be 60% to 80%. When calculating, you should possibly take into account payments from company pension plans or rental and interest income, because the lower you can calculate your pension amount. The occupational disability pension should always be high enough to make it possible to pay pension contributions even in an emergency. It is also possible to agree on an exemption from contributions to your retirement provision in the event of occupational disability.

WHAT CAN STILL BE EXPECTED FROM THE STATUTORY PENSION INSURANCE TODAY?
For those born after 1961, the occupational disability pension model has been replaced by the disability pension: they only receive the full disability pension (about 34% of the last gross income) if they are able to work less than 3 hours a day. If you are able to work 3-6 hours a day, then you can only count on half the disability pension (about 17% of the last gross income). With a commitment of more than 6 hours, any performance is omitted, since the learned profession is not taken into account and the pure ability to work counts in every possible employment. If you were born before 02.01.1961, you will be in a slightly better position and receive half the disability pension even if you cannot work more than six hours a day in your learned or comparable profession.