Private disability protection still rarely considered the risk of no longer being able to practise as learned, no one can rule out due to illness. The financial consequences of a possible disability are, however, very well remain. However, while this life risk a decade earlier for all employed workers by the services covered the statutory pension insurance and private disability insurance until skane for freelancers and self-employed, so people who pay not in the statutory pension fund was necessary, has very detrimental changes the situation with the December 31, 2000 for all workers. Because the legislature has decided drastic changes with effect from the January 1, 2001: for all those born before the 01.01.1961 payment up to date as a disability pension from the statutory pension fund has been deleted. Instead there is only a claim for a disability pension, and the differences between these two insurance services limited not only on the terminology: while up to the 31.12.2000 the new disability pension only to wear, if the insured person no longer in a position occurs every worker, whose health Verfassung no longer allowed to practice the learned profession, State disability pension, which was enough to largely maintain the accustomed standard of living, even one for work for at least six hours a day to exercise.
Who is born after the mentioned date and still wants to meet a financial protection in the event a professional limitation caused by disease, should complete a private disability insurance, and he should do it as early as possible, because when a risk life insurance the monthly contributions also in occupational disability insurance increase with advancing age. Of course also the health status is decisive for the insurance cost a Another reason more to insure at a young age. The disability insurance is important not just fathers: also housewives can take out this insurance and to ensure that in the event of their illness from the insurance benefits, assistants can be paid, which maintain the physical household.