Why you should start planning now

Secure occupational disability: Why BU insurance is so important

Whether an apprentice, employee, or self-employed individual: occupational disability insurance is essential. Learn how to secure proper coverage now.

Occupational disability – why you should prepare now

One in four workers becomes unable to work during their lifetime.

The causes range from psychological stress and chronic illnesses to serious accidents. But although the risk is high, many people are not adequately insured – and are putting their financial existence at risk.

Disability insurance is therefore one of the most important types of insurance there is.

What does occupational disability mean?

You are considered to be unable to work if you are no longer able to perform your previous job due to health restrictions – either permanently or for an extended period of time.

In many cases, the statutory disability pension is not sufficient to maintain your accustomed standard of living. Private disability insurance steps in here – and secures your monthly income.

For whom is occupational disability insurance particularly important?

The answer: For almost everyone—but especially for people without additional insurance or who are responsible for others. This includes:

Trainees and young professionals

Security is crucial, especially at the beginning of one's professional life.

Those who take out insurance at a young age pay lower premiums in the long term and ensure that they remain in good health.

Self-employed and freelancers

They are often not entitled to statutory benefits in the event of reduced earning capacity. Occupational disability insurance is the most important protection here.

Families with a fixed income

If a primary breadwinner is unable to work, this can have dramatic consequences. Disability insurance not only protects the individual, but also indirectly protects their partner and children.

How much does occupational disability insurance cost?

The amount of the contribution depends on:

• Age at graduation

• Occupation and risk classification

• Desired monthly pension

• State of health

The earlier you take out insurance, the cheaper the premium will be—and the easier it will be to take out a policy.

Our conclusion: It pays to act early.

Disability insurance is one of the most important types of private insurance there is. It protects you and your family from the financial consequences if you suddenly find yourself unable to work. And it is often cheaper than you might think—if you take care of it in good time.

Well informed. Well insured.

In our blog, we provide clear explanations of current insurance topics, offer practical advice for daily life and financial planning, and share insights into our agency's work. We encourage you to explore our content.

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