Occupational disability insurance: what is important when taking out it

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Find out how you can properly insure your occupational disability and what is important. Benefit from important tips for choosing occupational disability insurance. #Occupational disability #Insurance #R+VInsurance

Erfahren Sie, wie Sie Ihre Berufsunfähigkeit richtig absichern können und worauf es dabei ankommt. Profitieren Sie von wichtigen Tipps zur Auswahl einer Berufsunfähigkeitsversicherung. #Berufsunfähigkeit #Absicherung #R+VVersicherung
Find out how you can properly insure your occupational disability and what is important. Benefit from important tips for choosing occupational disability insurance. #Occupational disability #Insurance #R+VInsurance

Occupational disability insurance: what is important when taking out it

Occupational disability is a risk that everyone is exposed to, regardless of age or occupation. Statistics show that one in four Germans becomes temporarily unable to work, which shows how important occupational disability insurance is. The protection provided by the statutory disability pension is often only minimal and is not sufficient to maintain the standard of living. It is therefore crucial to protect yourself from the financial consequences of occupational disability.

There are a few important aspects to consider when taking out occupational disability insurance. The amount of the agreed pension should be around 75 to 80 percent of the current net income in order to secure the standard of living. The monthly contribution should be affordable and fit your budget. It is worth comparing different providers, but only insurance companies with a comparable range of services should be compared.

Another important point is the stability of the payment contribution over the course of the contract term. It is crucial that there are no unexpected premium increases during the term. According to a survey by the Institute for Financial Market Analysis, R+V Versicherung received the highest rating for premium stability and has not increased premiums for more than 21 years.

Another important factor is the insurer's benefit ratio, which indicates how many cases benefits are actually provided. R+V is one of the insurers with the best values ​​in this area. Good cooperation and a personal contact in the event of a claim can save a lot of stress. It is particularly important for self-employed people to check whether the insurer carries out a turnover check before paying the pension, as this can lead to a rejection of the benefit. R+V Versicherung waives this test, which can be an advantage for self-employed people.