Protect your basic skills: How to secure your income!

Protect your basic skills: How to secure your income!

In Germany, basic ability insurance is becoming increasingly important, especially for people who want to keep an eye on their income situation. This special form of insurance offers coverage that goes beyond the mere loss of employment and focuses on specific basic skills. Characteristics such as walking, hand use, seeing and speaking are crucial and how test.de emphasizes, limitations in these abilities can lead to significant everyday problems.

The loss or severe impairment of one of these basic skills not only impacts the quality of life, but can also have professional consequences. In the worst case, this can lead to the need for care. In such cases, basic skills insurance offers a monthly pension, for example of 1,500 euros, if at least one of the skills mentioned is lost and this is expected to last for six months.

Insurance offers and customization options

A total of 37 tariffs from 19 different providers, including well-known insurers such as Allianz and Canada Life, were tested. The tariffs are flexible and can be adjusted depending on individual needs, with psychological protection also being available as a component. Loud finanztip.de It is recommended to check the insurance conditions carefully. Additional modules can be booked for the loss of additional basic skills, although some insurers only pay if several skills are lost.

Basic skills insurance kicks in if certain skills, such as walking over 400 meters or sitting in a chair, can no longer be exercised. However, it is important to know that the individual assessment used to define loss of capabilities can be interpreted differently by each insurer. For example, according to the terms of the insurance, a psychologist who loses her ability to speak can receive a benefit, while an office clerk who can no longer walk or climb stairs may get nothing.

Requirements and entitlement to benefits

A decisive criterion for entitlement to a basic ability pension is the precise documentation of the loss of an ability. In order to receive benefits, a doctor must prepare a report certifying the restriction. This report should record the diagnosis, severity and the expected duration of the restriction in detail. In addition, the skills must probably be lost for at least six months in order to make a claim. It is also essential to inform the insurance company in a timely manner about the claim.

A health check is usually required. Pre-existing medical conditions can lead to exclusions or higher premiums, highlighting the need for careful planning and consideration when choosing insurance. For many people, basic disability insurance is also a sensible alternative if traditional occupational disability insurance is not an option.