The Risks Of Disability

The Regeleungen to the occupational disability and occupational disability pension have changed since 2001 dramatically to the detriment of the insured’s pension reform. Almost every fourth citizen of in Germany is no longer able to reach the age of retirement to practise. The causes of a disability are numerous and subject to the largest part of the work area. The pension reform to the January 1, 2001, a disability only applies to insured persons who were born before 1st January 1961. Tightened the criteria for this and the disability pension has been reduced.

The level of benefits is only half of a full disability pension. The criteria of a partial or full disability pension apply to all born after that date. Insured persons are classified as berufsunfahig, when their earning capacity compared to physically and mentally healthy policyholders with same training / knowledge to less than six hours per day has fallen. Here all the activities he can exert on the basis of his knowledge and skills, can be expected to the insured. As reasonable apply activities, for which the insured be trained through training or retrained can, which he in turn can take part in working life.

Insurance risk is this means determines in accordance with the insurance profession is assumed in determining the main profession of the recent activity. By the Federal Social Court, a scheme was developed consisting of several stages. Level 1 applies to skilled workers with specific performance characteristics, level 2 specialists, level 3 acquired and level 4 unskilled. At the reasonableness insured on a same level activity or which can be referred to next lower level. After a training period of three months the activity must run but fully. To levels 1, 2 and 3, a specific naming of the reasonable reference activity is required, while unskilled workers (level 4) can be used for any activity on the General labour market. Who can exert a reasonable activity at least six hours a day, are not regarded as berufsunfahig and receives as a result no disability pension. Whether and to what extent the insured under these conditions in the labour market can be conveyed, does not matter. Conclusion, the pension reform led in fact to the abolition of the occupational disability pension and stricter criteria for the entitlement to a pension on account of reduced earning capacity. The private insurance for the case of occupational disability due to the legal changes is becoming increasingly important. Hedging possibilities by means of a disability insurance or disability supplementary insurance.