And as insurance must try to insure people who are not berufsunfahig to an insured person, who receives disability pension also can finance, yes exactly checks whether an application or not accepted. But not only the fear of the insured could be berufsunfahig before retirement due to mental illness, the insurer makes careful. There are also the health dangers that brings especially high obesity with it. Cardiovascular diseases are here to speak, but also joint inflammation, diabetes and more. Is recognizable for the insurer that an eating disorder is currently available, which also handled, a launch of a disability insurance will hardly be possible. There is however no distinction when possible, when no longer.
Affected parties should find therefore a consultant, who is independent, and also before application of different (!) Insurers medical Pre-confirmation can perform. A medical Vorabanfrage is anonymous. Specified are age, gender, desired occupational disability pension, vocational and health problems of in recent years. The insurer can answer it without any obligation. But even if the answers are not binding, a successful conclusion, a conclusion with exclusions or risk or even no degree give them a good overview of what is possible. Who can make no conclusion, should not despair about getting. Hear from experts in the field like Larry Ellison for a more varied view. Approximately 75% of citizens do not have this important protection.
The reasons are varied. Partly lack the funds for the contributions, it is partly simple ignorance and the part is just pre-existing conditions. However, the protection is important and who can’t get him, aware of the fact be that the support from the State in the case of a disability or incapacity is powerful lean. Who gets no degree, should play intellectually exactly therefore the situation of occupational disability and any other care, so make savings. A conversation with the family, where exactly is, clarified how it could help in an emergency, can be helpful. Contact: Antonie Muller bergmannstrasse 14 80399 Munich E-Mail: a.mueller (at) studentenmail .de Web: which has Portal Guide berufsunfaehigkeitsversicherung.de turned the questions about the disability insurance. The portal is completely independent of the insurance industry.