Archive for the 'disability'
Invalidity insurance
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.
