Protection is also more expensive, if not as in the case of the example a clerk, but a Mason wants to insure themselves. The 40-year-old pays then whopping 83 euro per month and thereby about 70% more than the merchant. The reason is obvious: who as a bricklayer on construction works hard physically, faster ill by the stress will as an office worker. Often, when a bedraggled protection is selected, there are more favourable protection. It is also important to pay attention to the duration of the contract. Because the sooner is the contract to an end, he becomes cheaper. The 30 year-old businessman in the example above pay 36 euro, so that the contract will run until the 65th birthday, there are only 24 euro, if the contract already ends to his 60th birthday, after all, a discount of more than 30%.
However create a gap of up to 7 years, until a Berufsunfahiger finally can retire then and missing during this time of course corresponding revenue, if the occupational disability insurance no longer must pay. Can disability at all meet? This is a matter of statistics. Every 4 workers in Germany will be statistically berufsunfahig. In men, there are mental illness in less than 25% of cases after investigations by best absichern.de on the subject of disability the cause of disability, women are now even well above 35%. Other main causes of disability: diseases of the skeleton, muscles and connective tissue, cancers, heart and cardiovascular diseases. And nerve diseases are often a cause of disability. When should I care disability insurance? Best as soon as possible, if you have arrived in the working life. Because you are younger, the easier a disability insurance is to get, because at a young age”most applicants have still not pre-existing conditions that prevent the conclusion or to recover the premium in the amount.