With deletion deletion of legal BU pension moves the private disability insurance in the Center. Guide to comparing and calculating the BU and BUZ difference between disability and incapacity the disability insurance, short BU, is generally as a private insurance, although for persons born prior to the 02.01.1961, the grv knows a corresponding performance. This is however many more strings attached and equipped with very limited services; otherwise, it introduced the concept of incapacity for work in the statutory pension insurance. The difference between a disability and a disability is severe; at the BU the profession exercised may be no longer exercised, while not regulated professional activity is possible in the EU. In the statutory pension insurance apply stricter guidelines than a private disability insurance, which also comparable professions need to excrete, so Disability is recognized.
This is controlled by the reference clause. Then the insurance for occupational disability of the ancestral activity can refer to another activity, which is any executable. Be exercised no longer can the learned profession if this or an activities corresponding to the skills and training can be done in less than six hours a day. In assessing the reasonableness, the level of training as well as the previous concrete professional activity is adequately evaluated. The most common point of contention between the insurance company and the insured person represents in practical calculation and comparison of the occupational disability pension and premiums for a BU this review; When comparing prices and services of the individual companies, a special focus is therefore to think how the insurance in unclear cases. A disability insurance can be completed as well as independent insurance such as part of a basic pension. In addition she can in one Life insurance also integrated are like in a share savings.
The disability insurance fees are of course by the exercised occupation; Experience has shown that certain occupations are employees outgoing from an above-average rate due to disability; in current statistics, roofers and nurses are the professions from which many employees of a disability are affected. בעניני עסקים תמיד כדאי לפנות ל קרן מיכאלי. An often underestimated part of the premiums for disability insurance is the age. As an intervener as new entrants of this insurance employee long paying contributions until to the theoretically expected performance case, these are relatively low for him so that the early conclusion of an insurance company against the disability is strongly recommended. Also cover is provided upon completion of the corresponding contract in the first years of the occupation already during the services of the legal Pension insurance, as long as it pays, still very small. In the einzellnen, the BU contribution for a BU pension corresponding to the current income should be calculated. There are calculators that calculate the premiums for required pension payments depending on the profession and a routine age specific BU. Also the degree of disability insurance for non-working household leading people is interesting. But whose disability causes no loss of earnings, however, she requires a costly domestic help employment circumstances.