Occupational disability: One in four people is affected – act now!

Occupational disability: One in four people is affected – act now!

During the course of their working life, one in four people is confronted with the real possibility of becoming unable to work. This worrying number is determined by the General Association of Insurers (GDV) and illustrates the high probability of being affected by restrictions in your professional life. Nevertheless, only around 29 percent of employed people in Germany have occupational disability insurance (BU), which experts see as a serious mistake. In particular, illnesses such as depression, back problems and various types of cancer are among the most common causes of occupational disability Berlin newspaper reported.

The risks associated with possible occupational disability should not be taken lightly. According to a study by Swiss Life, mental illnesses, particularly depression and anxiety disorders, are responsible for 34.23 percent of cases. In second place are diseases of the musculoskeletal system with 20 percent. Cancer accounts for 17 percent of cases, while accidents and heart disease also often lead to occupational disability.

The challenges in detail

It is important to note that there is no exhaustive list of health problems that can lead to disability. Any illness that significantly impairs the ability to carry out the last job carried out is relevant. The insurer is responsible for determining occupational disability. Medical opinions and reports, as well as information on the state of health, are checked. In addition, the specific requirements of the respective profession are taken into account in the assessment, which allows the decision-making to go into detail.

As a rule, occupational disability is defined as the condition in which an insured person is expected to no longer be able to carry out at least 50 percent of their job for at least six months. The insurance company’s medical experts or medical examiners play a crucial role here. They not only check the state of health, but also how strongly the illness affects the job requirements and what the expected duration of the impairments is.

Legal action and support

In the event of an objection to the insurer's decision, it is advisable to consult an insurance lawyer. The objection should be supported by additional evidence and medical reports. A significant number of applications are rejected, so professional support is often crucial for success.

The legal framework for occupational disability is complex and the road to recognition can be long and difficult. But with the right preparation and, if necessary, professional support, financial security can be ensured in the event of occupational disability. The need for occupational disability insurance is highlighted by experts for good reason; It turns out that the lack of such insurance can have dramatic consequences in an emergency.