If the burn-out in the disability leads many people currently suffer from the so-called burn-out syndrome, from which many celebrities and politicians are affected. Burned being”can have many reasons and also symptoms that can range from depression, listlessness to physical problems such as tinnitus, etc.. It is therefore relatively difficult to treat such a condition and to lead people back to a normal life. After such a condition necessary to professionally to withdraw it or to withdraw from working life is often. But anyone who pays the monthly accumulated bills in such a case, who will assume the open loan rates? These questions deal with affected with burn-out often, why the treatment is delayed as long as possible and often worsens. Finally, there is hardly a financial protection for workers in Germany, when it is no longer possible due to health reasons, to go to work. Only a private pension in the form of Disability insurance protects policyholders against the financial consequences and thus helping to take the treatment of a disease in attack.
You paid to already mostly even retroactively the pension benefits from a 50% disability, which presumably occurs six months and takes over from the onset of the disease, should a sick leave only transpire weeks or months as disability. That the disability insurance in the test takes over mental disorders and not denied benefits in these cases is important at the conclusion of the insurance contract. It is also required that the conclusion to make, because a mental disorder is diagnosed, already at an early stage is often an exclusion of mental illness can be expected. In the case of burn-out, then again no protection would be available. Self-employed and freelancers often forgo sufficient insurance coverage is to observe, however, that many self-employed and freelancers due to the cost pressure increasing on give to buy private insurance. Only for health insurance is currently required to have insurance, the insurance for the retirement is planned to start in 2013.
Whether and to what extent self-employed and freelancers, however in the event of occupational disability hedge, can be freely selected. This often is waived due to high posts. Can freelancers and self-employed no longer practice their profession, unless due to an accident or illness, financial trouble threatens them equal in many respects. So they receive no salary in the event of illness, should this be not agreed with private health insurance. Also on the legal disability pension payments, they are not entitled, because they make no contributions to the statutory pension insurance. In the worst case are now empty-handed independent and financially ruined as. A disability insurance can help in these cases and should be the Self-employed and freelancers include primary health care. Monthly pension payments from a degree of disability of 50 percent are due this insurance policy, with which the living cannot be denied further. The amount of this pension can contract individually chosen and should be adapted to the current income. Only this ensures that all payments can continue to be made and a quiet life is possible without income. Marco Hopp Berufsunfahigkeitsversicherungtest.com