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Invalidity Insurance

Supply gaps after the federal civil servants act for invalidity can be brought into retiring civil servants when they are no longer capable of because of a physical illness or lack of physical or mental forces to fulfill their duties in the long term. The social protection of civil servants is often better than the protection of “normal” employee or self-employed, however, revealed financial losses if the profession can no longer be exercised. A disability insurance offers sufficient insurance cover for civil servants only if an invalidity clause in the insurance terms and conditions. This is offered only by very few insurance companies, so many officials with a normal occupational disability insurance in the case of invalidity can get problems with the performance of the insurance. “In practice this may mean that, for example, a teacher or COP invalidity put in retirement is he this but still not automatically considered invalids and his insurance does not therefore apply,”explains Diplom-okonom Karsten of Wallace. Special attention should be paid when the invalidity insurance on the different quality of this clause because some insurers offer only a watered-down version. Independent intermediaries can find here about the pros and cons of the various clauses. A look at the process quotas of each provider should be thrown next to a comparison of prices and conditions of invalidity insurance for civil servants.

“First and foremost certainly quality insurance conditions when selecting the right provider and tariff are crucial, in addition to the price so that there are no problems with the payment by the insurance company in case of the invalidity. If the appropriate insurer at the same time still has a lower than average rate of process, this must be considered of course positive.” More information to the Invalidity insurance are for civil servants, as well as the requirement of an independent comparative calculation on the Internet page. Bergische Assekuranz broker Lise-Meitner-Strasse 5-9, 42119 Wuppertal Tel: 0202-317 13 155 fax: 0202-317 13 165 E-Mail: contact person for the press: Bogdan Kellinger the company Bergische insurance broker was founded by the diploma economists Bogdan Kellinger and Karsten Werksnies as an independent insurance broker. With the Internet presence the company specifically to the needs of private individuals and professionals specialises in who would want no advice-bound insurance representatives an individual insurance company, but based on independent comparison calculations to get low-cost and high-performance offerings of from various companies. Bergische insurance broker has connections to more than 100 different insurance companies. For different professions, such as, for example, students, apprentices, entry-level or certain traders are special rates available. In addition, all other age and occupational groups will advise comprehensive, fair, independent and competent. Since 1998 in the insurance industry are active customers via the Internet, by telephone and by post served – when preparing offers, as well as in the event of a claim. The strength of the Bergische insurance brokers is characterised by a very high market coverage, highly trained staff and variety of services tailored to the needs of specific target groups. With an individual analysis and the use of cutting-edge financial comparison software, customers are advised objectively and independently.