Statistically one in four workers is incapacitated during his career. There are numerous causes: Mental disorders, cancer, nervous disorders, accidents … What really happens when you become incapacitated? Many working people are themselves the subject have certainly been made. Fact is, first, that the salary is not in the usual manner and continue throughout in particular the amount, if one happens to this fate. Especially for the people born after 01/01/1961, the consequences are fatal.
For here take much tougher rules than people born before that date workers. First checks for those affected, such as high performance for the rest of the person is, say how many hours a day who can still work. These are basically three different cases: If the residual capacity for at least six hours per day, so there is no earning capacity. Can the person for at least 3, but work less than six hours a day, then a half Disability identified. Only one who can work less than 3 hours a day, is fully disabled. The biggest problem with this technique lies in the fact that the concrete carried no actual work will be used for this calculation, but any activity which could be exercised only in theory. For example, could look the way that a surgeon because not a single disability to work as a surgeon would. Nevertheless, this person could very well still work as a porter.
And that would be enough to not being an invalid. The whole is even more explosive by the fact that there will not dodge this job on the labor market should be – it, the purely theoretical fact that such work would be exercisable. It quickly becomes apparent that it is extremely difficult to be incapacitated for the purposes of this review. But even if this should still succeed, then the benefits that you would receive a pension, nor far from sufficient to fill the supply gap. This is why everyone should consider, in principle, whether a private insurance against disability – that is a disability insurance will make sense. For here it is enough usually observe from (conditions!) If you are incapacitated in the actual occupation. What many people do not consider in considering also that it can meet not only physically demanding occupations. Rather, things like mental illness, cancer, circulatory and nervous disorders and many more are the main causes of disability – all causes that do not necessarily have to have too much of physical work. If you opt for a disability insurance should compare a number of providers with each other, as large price differences are often the rule. It is equally important that there is still no basic medical history, for as opposed to the majority of providers of disability insurance, the Applications thanks from. It is therefore important, as early as possible to take care of in the workplace to provide sufficient protection against disability, so you will not be taken in extreme doubly hard by fate