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Those born after 01.01.1961 will not be eligible for statutory occupational disability pension. For this reason private insurance against occupational and disability by taking out disability insurance is strongly recommended. The private insurance offers a wide range of disability insurance and insurance against disability.
It is very important to note that if a disability is not an abstract signification given. This would mean that it is checked with a disability on the part of the insurer, whether an activity otherwise would be reasonable. If so, the insured receives no pension . In addition, the contract should include that the pension is paid early as a disability of 50%.
The earlier of the conclusion of disability insurance and for insurance against invalidity and incapacity for thinking, the better the contributions are made.
There is a difference between an independent disability insurance, which flows at some of the contributions into a fund and an additional disability insurance, which is coupled to a carrier tariff.
In the independent disability insurance gives the policyholder the fund shares paid out if the insurance has not been used. In a supplementary payment that is generally spent, so here are the posts much cheaper.
The private insurance also provides the ability to protect themselves only by a disability insurance against the risk of full disability. The premiums are much lower and there is some providers the option to convert the contract within a specified period in a disability insurance if something changes on the individual circumstances.
It is also possible to link the protection against disability or incapacity of a basic pension to nversicherungsvertrag Rürup. In this case, the policyholder has the advantage that the entire contribution, that can also be made to disability insurance tax deductible.
As for people who were born before 1961, benefits from the statutory retirement were greatly reduced nversicherung, it is recommended here by a disability insurance against disability or incapacity to think.

The disablement insurance is a special branch of the disability insurance. It is one of the disability insurance , including without limitation in the insurance case, the payment of a monthly pension .

To secure the insurance claim to be good, it is important that the service and disability insurance meets some criteria. These can be found in the insurance conditions of the contract.
First The invalidity insurance should in any case abandon the abstract signification. Thus, the insurers must not rush into another job, despite his disability he can not exercise (for example, roofers may have a herniated disc with construction work market consultant)
Second Should continue to accept the disability insurance, disability already with the six-month forecast. The pension will be paid even if the doctor sees the patient for six months is probably unable to work. Older models of the disablement insurance to pay the other hand, only after a three-year disability.
Third In the insurance conditions of invalidity insurance should continue to be included, that the benefits will be paid retroactively from the contract, as especially in the first few months are substantial additional costs to bear.
4th Likewise, the insurance in case of late notification of the payment bond afford to three years in arrears. Often underestimate their disease that is insured and therefore did not notify their insurance company. Or the patient is so seriously impaired that he carry the message itself may not have the members of the Police but no knowledge.
5th In the early months of disability affected often have no income that can quickly lead to financial problems. In order not to jeopardize the insurance coverage of invalidity insurance, the possibility of an interest-free deferral be given.
6th If the insurance policy at a young age, in the policy of invalidity insurance, the possibility of retroactive be given. The amount insured allows the increase of disability pension in certain cases, such as marriage, job changes or other events, without a new medical examination.
7th To be adequately protected even after years of disability, if the contract of invalidity insurance a guaranteed pension include nsteigerung that compensates for inflation. This may include pension nsteigerungen two to three percent. The increase in the pension surplus is possible, but these are not guaranteed.
8th The right to rescind the company of the invalidity insurance should be limited to five years or less.
9th The contract of invalidity insurance should continue to include specific provisions for temporary acknowledgments.
10th Nor should the insured waive inspections during a temporary recognition.
11th The insurance check for a service contract associated with the disability insurance, the insurance risk. For this purpose, for example, asked health questions. To the right of insurance for subsequent resignation of the invalidity insurance or to refuse the retrospective premium adjustments, the contract should include the waiver of § 41 VVG. After this paragraph to adjust premiums or even cancel the contract would be possible if the insurance was not informed of all risks.