Occupational disability insurance

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In addition to accident insurance, occupational disability insurance ( BU insurance for short ) is the best-known branch of disability insurance . It can be taken out as a supplementary insurance (supplementary occupational disability insurance, BUZ) to a life insurance or pension insurance or as an independent occupational disability insurance (SBU).

In general, the term “occupational disability insurance” is used to describe private insurance ; However, the term “ occupational disability ” also exists in the context of statutory pension insurance . However, this only applies to people who were born before January 2, 1961 and under defined conditions with benefit restrictions. For everyone else, there is now even more limited protection in the context of reduced earning capacity .

In general, the occupational disability cover serves to secure income. In principle, real disposable income is secured on a net wage basis, the loss of which cannot be replaced without (high) financial expenditure. This is based on the professional activity performed against payment (wages, salaries). But activities performed free of charge can also be covered, such as those of the housewife .

In principle, it is not possible to fully secure the income, as this would negatively affect the reactivation of the benefit claims from the insurer's point of view. Those who get their income fully reimbursed by insurance will not do much to get back into working life through retraining or rehabilitation measures.

But it also makes sense for the insured not to cover their income, but rather their expenses. Because these are not usually lower and shorter than the income in terms of amount and duration. Since the amount and duration play a decisive role in the premium calculation, the expenditure protection is usually more precisely tailored and cheaper.

Sense and purpose of the disability insurance

In general, the purpose of occupational disability insurance is to prevent the insured person from falling into professional life if the conditions are met. This is done by (partially) covering the needs that arise because the insured can no longer participate in working life due to occupational disability. He should receive material compensation in the event of an insurance claim. The occupational disability provision continues to have the character of a pension, because it serves to avert dangers for family and retirement provision.

In contrast to disability insurance , which can only provide compensation in the event of loss of ability to work on the general labor market, occupational disability insurance pursues a much more specific protection concept. However, this does not go so far that one can speak of economic damage compensation, because, in contrast to non- life insurance , it is a sum insurance that is based on the agreement to provide an exactly defined (recurring) service, but not the economic one that has actually occurred To settle the damage, § 1 Abs. 1 Satz 2 VVG .

The insurance against the risk of occupational disability is strongly recommended by the Association of Insured Persons , the consumer advice center and Stiftung Warentest .

The federal government of the insured expresses itself on the subject of disability insurance as follows:

“In view of the serious economic consequences of occupational disability, we advise everyone who is employed to take out disability insurance. This also applies if the individual risk for you is low. It is of no use to someone who has been disabled if his fate turns out to be quite improbable. "

- Information sheet: Disability insurance, Bund der Versicherung e. V.

insured risk

Determination of the concept of disability

In the case of occupational disability insurance, the insurance covers the individual professional capacity of the policyholder in relation to his last occupation or to another activity which the policyholder (meanwhile) actually does. The insured risk is the (partial) loss of professional ability for health reasons (illness, bodily harm or loss of strength), at least 50%.

The following insurance provisions for occupational disability apply:

"Complete occupational disability exists if the insured person is likely to be unable to work for a period of at least three years (forecast period) as a result of illness, bodily harm or loss of strength, which must be proven by a doctor, as he was before the illness, physical injury or loss of strength was able to exercise. "

Another formulation is:

“Complete occupational disability exists if the insured person is likely to be unable to exercise his or her profession or any other activity due to his training for a period of at least three years (forecast period) as a result of illness, bodily harm or loss of strength, which must be proven by a doctor and can exercise experience and which corresponds to his previous position in life (referral profession). "

Particularly in old insurance conditions, the forecast period of three years mentioned in the examples above is not included, but rather a "presumably permanent" period is referred to. According to established case law, this is equivalent to three years. Many current contracts show that the obligation to pay begins if the probable occupational disability exists during the next six months. It is up to the insurer to check at a later point in time whether the occupational disability is still ongoing.

Clauses

Clauses assume the legal function of restricting or expanding or facilitating services in accordance with the conditions.

Performance-limiting clauses serve to remove risks that go beyond the normal range (existing illnesses, dangerous living conditions, dangerous jobs or simply missing job profiles) from the insurance cover. This is done using medical exclusion clauses, so-called EU clauses or professional clauses.

Performance- enhancing clauses have the opposite effect. Exclusions from benefits provided for in accordance with the conditions are eliminated so that the insurance cover is expanded. Examples are radiation protection clauses or infection clauses for medical professions.

Incapacity clause

The incapacity clause refers to the incapacity of an official . It determines a special form of disability protection and can mean two things:

As a so-called “real disability clause”, it states that in the event of a civil servant being transferred from service to retirement or the dismissal of a probationary civil servant, the disability insurer does not conduct its own disability test . Instead, they recognize the employer’s decision as correct and provide the agreed service or pension. The provider-side restriction requirements and a referrability check are also dispensed with. Retirement or dismissal is legally an irrefutable presumption.

In the case of a “false incapacity clause”, the insurer requires proof of incapacity for work and the transfer to retirement or dismissal. This enables the insurer to check for himself whether there is an incapacity for work within the meaning of the law.

Not all insurers offer these clauses.

Reorganization clause

The reorganization clause defines the reasonable manner in which a self-employed person must reorganize the work processes within his company in order to be able to continue to work in his company. The aim of the reorganization is to avoid conditional disability. Some insurers refrain from such reorganization in the case of self-employed with small businesses.

Part-time clause

The part-time clause has been discussed for a long time, but it is relatively new in that it has been introduced by very few insurers. Its aim is to improve the insurance coverage of part-time employees. Without the clause, the last occupation, as it was designed without health impairments, is considered insured, for both full-time and part-time employees.

On the basis of a regular daily work of 8 hours (full-time), 50% of the workforce is incapable of working if, for health reasons, the job is only 4 hours a day. A 4-hour part-time worker, on the other hand, is 50% incapacitated if she can only work 2 hours a day.

Full-time and part-time employees pay the same contribution under otherwise comparable conditions. However, a part-time employee must have significantly higher health problems in order to receive benefits.

Since, in the case of benefits, not only the time, but above all the work result is checked and part-time work may only be taken into account in the examination if part-time was a deliberate and long-term decision, it remains to be seen whether this clause actually adds value for the customer.

Flight incapacity clause (license loss insurance)

The loss of the flight license ("Loss of License") due to expiration or withdrawal leads to benefits due to the clause , without reference to anything other than flying activities.

Other frequently used clauses

Performance test

The insurer of an occupational disability insurance pays the insured a contractually agreed in advance annuity (occupational disability pension) if he is no longer able to work in the last occupation due to illness, personal injury or loss of strength. The existence of the occupational disability must be proven by a doctor. At least 50% of the insured person must no longer be able to work. With the occurrence of the obligation to provide benefits, the premium payment for insurance cover usually ends.

requirements

In the standardized occupational disability pension contracts, payments are made immediately if the medical diagnosis indicates that the profession cannot be practiced beyond the forecast period. If this determination is not possible, i.e. the minimum forecast period is not expected to be reached, benefits are usually due from the 7th month if there was an uninterrupted inability to exercise the profession up to this point in time.

In some cases, the prognosis periods are conditionally shortened, so that the determination of the occupational disability is made easier for the assessing doctor. A common feature is the six-month forecast period clause; This means that if the forecast of the impossibility of taking up an activity in the defined sense within the forecast period of six months, the agreed services will be due. Even if the doctor is unable to make a prognosis, benefit cases can be triggered from the 7th month - if the profession is uninterrupted - sometimes even with retrospective payment for the first six months.

Principles

The phrase " ... or to carry out another activity that he can perform based on his training and experience and that corresponds to his previous position in life (referral profession) " is also referred to as "abstract referral". This means that the insurer can refuse the benefit if the insured person can be referred to another occupation that corresponds to “their previous position in life” as well as their “training and experience”. In the case law, the current position in life is often considered to be maintained even if the income is up to 20% lower than before. An example of such an abstract reference would be: A surgeon can still hold consultation hours after losing a finger or act as a medical advisor. He is therefore referred to these activities. The risk of finding such a job lies with the insured himself.

The abstract reference is rarely found in the current insurance tariffs , but it is standard in old contracts . It should be noted that many insurers only temporarily waive the abstract right of referral (often 3 - 5 years) after leaving professional life (e.g. due to maternity leave, parental leave, unemployment).

Referral Clauses

Abstract reference means that the insured person who can no longer work in his “old” occupation is referred to the practice of a “new” activity; He actually does not practice this, but it is enough that he could. If he does not do the "new" job, he will not receive any benefits. In the occupational disability insurance, abstract referrability is of particular importance from the perspective of the insured, as it is irrelevant for referrability whether the labor market situation allows for another job. The risk of making a successful career change despite being unable to work is entirely borne by the insured person.

The specific reference must be distinguished from this . Here the insured is already doing a “new” job. If the new job is comparable to the original job in terms of personal knowledge and pay, the insurance can refuse to pay the BUV. However, if the new job is associated with significant wage losses, the disability insurance must be paid out in order to maintain the previous standard of living. Outside of occupational disability insurance, referral clauses are also of considerable importance for the granting of pensions from reduced earning capacity .

Withdrawal, termination or contestation in the event of a pre-contractual breach of the duty to disclose

Objective pre-contractual breach of duty to disclose

The insurer has the right to sanction the insured if the latter objectively provides false information when drawing up the contract. There is a breach of the notification requirements if the applicant incorrectly answers the questions submitted to him in the application (in particular health questions). The same applies if the applicant himself known and dangerous material facts silent , whether from obfuscation, secrecy or Verharmlosungsabsicht to obtain the coveted insurance coverage or expand. If there is a fraudulent breach of the duty to notify within the meaning of Section 21 (2) VVG , causality does not have to be taken into account in the event of a claim in order to refuse the service.

All circumstances that are relevant for obtaining insurance coverage at all or only under modified conditions are relevant to the risk, which in the latter case can lead to a (significant) increase in premiums. The insurer asks for the relevant data in the application and requires it in writing. Particularly relevant are circumstances such as illnesses, disorders, impairments and complaints. Inquiries are made for drug and intoxicant addiction, hospital stays within the last ten years, treatments, examinations and counseling within the last five years, accidents, injuries and the like.

Effects of the VVG reform 2008 (legal consequences in the event of breaches of pre-contractual reporting obligations)

The new Insurance Contract Act came into effect on January 1, 2008. This makes it clear in Section 19 VVG that the policyholder only needs to report circumstances that the insurer has expressly asked about in writing. The risk of misjudging what is notifiable or not is completely shifted to the insurer. According to Section 19 Paragraph 1 Clause 1 VVG, the obligation to notify ends with "submission of the contractual declaration", ie with the application. There is no longer an obligation to register. This deviates considerably from the requirements and legal consequences of previous regulations. In particular, when deciding on the legal consequences of a pre-contractual breach of the duty to disclose , the content of the confidentiality and the severity of the fault are decisive ( intent , negligence ).

  • In the event of fraud, the following applies: The insurer has the right to challenge . For the insured person this means that he does not receive any benefits (exemption from benefits).
  • In the case of intent : the insurer has the right to withdraw . For the insured person this means that he does not receive any benefits (exemption from benefits).
  • In the case of gross negligence , a distinction is made between contract-hindering and contract-changing circumstances. Circumstances hindering the contract lead to the insurer's right of withdrawal and the resulting rejection of benefits. Circumstances changing the contract trigger the right to clauses (exclusions) or surcharges (additional contributions). Clauses lead to the specific freedom to perform, surcharges to the performance obligation.
  • In the case of simple negligence , a distinction is also made between circumstances that prevent and change the contract. The same applies to circumstances that change the contract as to gross negligence. The insurer has the right to terminate the contract in the event of circumstances that prevent the contract . He is nevertheless liable for any damage that has occurred.

Withdrawal and termination are only possible within 5 years, in the case of intent and malice within 10 years, Section 21 (3) VVG.

Taxation of the BU pension

Private disability insurance contracts

The benefits of a private occupational disability insurance are taxed with the income share for temporary annuities. The stipulation is § 55 EStDV in the annex to § 22 EStG . It is based on the duration of the benefit obligation, since an occupational disability pension ends at the latest when the regular old-age pension is reached. The sooner the BU pension is claimed, the higher the proportion of income (around one percentage point per year); the longer the remaining term, the higher the income share as the assessment basis. With a term of 45 years, the earnings share is 42%, with 30 years 30%, with 15 years 16% and with five years 5% ( Section 55 (2) EStDV).

Example: A single person is disabled today and receives disability insurance for the next 15 years. Then he has to tax 16% of the payout individually each year. If he receives € 24,000 in one year, he has to tax € 3,840 (the income portion) individually as part of his income. If the tax liability of his occupational disability pension (from the income share) added to his other taxable income (rent, investment income and the like) is below the tax-free amount , he does not have to pay any taxes.

Tax-subsidized disability insurance contracts

The situation is different with occupational disability insurance, which is agreed as a risk component or separately in connection with state-sponsored old-age provision products.

Benefits from occupational disability pension insurance from the company pension scheme are fully taxed insofar as the contributions are made tax-free. The tax base is therefore 100% ( Section 3 No. 63 EStG).

Benefits from components of the occupational disability pension , which were taken out via Rürup pensions , fall under the so-called cohort taxation, to which benefits from the GRV or the professional pension funds of doctors, lawyers, notaries, tax advisors, pharmacists or architects are also subject. In 2016, the assessment basis for entry into benefits this year is 72% and increases successively by 2% up to 2040 and in 1% increments from 2020 until 100% is finally reached.

Since January 2014, the tax incentives have changed in the course of the Pensions Improvement Act (AltvVerbG). From now on, contributions to occupational disability insurance can also be deducted from tax if the contract provides for a lifelong pension in addition to a benefit in the event of occupational disability - regardless of whether it is linked to a pension product. However, experts assume that these contracts are significantly more expensive than unsubsidized ones. There is also a risk of further disadvantages for low and average earners.

Standardized factors for determining the insurance premium

Personal factors

  • The maximum age up to which the BU pension is paid (benefit duration or benefit period). The insurance industry orients itself here on the so-called regular old - age pension of the statutory pension insurance . With the tariffs offered today, a BU pension can usually be agreed up to a maximum of 67 years of age.
  • The duration of the insurance : the age up to which the insured event must occur in order to be entitled to benefits from the insurer . For example, an insurance period of up to 55 years of age and a benefit period of up to 65 years of age can be agreed. In this case, if the occupational disability occurs up to the age of 55, a pension would be paid until the age of 65.
  • The occupational group : The individual risk classification of almost all conceivable occupations. While z. For example, from a statistical point of view, a pharmacist rarely becomes unable to work, this is often the case with innkeepers. Here, as in private health insurance, the so-called individual principle is applied , which usually leads to different contributions depending on the classification of the risk to be insured . An innkeeper therefore pays a much higher contribution than a pharmacist. For professions with a higher risk (e.g. manual professions, but also teachers), the period of insurance permitted under the collective agreement is usually limited to the 55th or 60th year of age or maximum insurance limits are set. Anyone who has insured the wrong profession may therefore unknowingly violate the insurer's acceptance guidelines and endanger their insurance cover, as the insurer can challenge the contract or withdraw from it due to a breach of the pre-contractual notification obligation. In the meantime, the selection of professional groups differs significantly depending on the insurer. A few insurers have completely abolished the division into professional groups, while others have diversified it.
  • The age of entry
  • The grace period
  • The state of health (previous illnesses)
  • In some cases, insurers charge higher premiums for smokers and high-risk athletes
  • The Gender affects since the introduction of unisex tariff is not the end of 2012 more on the level of contributions made previously but it was relevant. Age, duration of insurance and occupation determine the premium to a much greater extent.

Agreed services

  • The amount of the monthly disability pension
  • A possibly guaranteed annual pension increase in the BU case (to compensate for inflation)
  • Inclusion of special conditions, for example the restriction to the possibility of the so-called abstract reference

Choice of contract and application

Insurance conditions and selection criteria

According to Stiftung Warentest , good contracts are characterized by the following criteria in the insurance conditions :

  1. Refusal of abstract referral: The insurer refrains from referring the policyholder to another profession that may still be practiced. However, it is not possible to refer an engineer to a porter. A referral occupation is only possible if it is available on the general labor market, if it is possible in terms of health and if it is comparable to the occupation last exercised. The new job must neither be too demanding nor too demanding. And the social position must be preserved, both financially and in reputation. Today there are only so-called basic or smart tariffs that even have an abstract reference.
  2. Six-month forecast: The occupational disability is recognized if the policyholder is expected to be unable to work for six months. That is also the market standard today.
  3. Retrospective benefit: The insurer pays the disability pension retrospectively from the beginning of the disability, even if it can only be determined later that the condition is permanent. Also market standard.
  4. Retroactive benefit for at least three years: If permanent occupational disability is reported late, e. B. because an illness was underestimated or the existence of the insurance cover was not known to relatives, the insurer does not pay retroactive effect. This reporting deadline can still be found in some tariffs. But the higher market standard pays retrospectively as long as the occupational disability can be proven.
  5. Additional insurance guarantee: Increase in the pension without a new health check in the event of special events such as marriage or change of job (similar to the non-event-related dynamic that is intended to compensate for inflation). Here it is important to ensure that a health check is rarely done without the risk assessment. A new profession and a new hobby would have to be specified.
  6. Guaranteed dynamism in the event of benefits: In order to prevent a loss in value of the pension, the insurer guarantees an increase in the pension by 1–3%. This guaranteed benefit case dynamic is relatively expensive. For tariffs that run up to the age of 67, 1% performance dynamics costs around 5% additional contribution. When you consider the actual likelihood of permanent occupational disability , that doesn't always make economic sense.
  7. Right of deferral: the insured person can apply for interest-free deferral of his contributions after reporting an occupational disability. While the insurer decides on the granting of the pension, the person concerned usually has no income. In this phase in particular, it would be disadvantageous if the insurance cover were lost because the premiums cannot be paid.
  8. Temporary acknowledgments: The insurance conditions contain defined periods in the event that the insurer only recognizes an occupational disability for a limited period. Or else, a limited recognition is completely waived.
  9. Waiver of section 19 (3) and (4) VVG: The insurer waives these statutory rights that allow him to withdraw from the contract or to increase the premium if there was an increased risk at the start of the contract that was not known to the insured . That sounds good at first, but the rights of challenge or withdrawal for other reasons remain unaffected.
  10. Worldwide validity: The protection also applies if the insured person has moved abroad.
  11. Reduced earning capacity: The acknowledgment of the full reduced earning capacity pension by the statutory pension insurance for medical reasons alone will be assessed as occupational disability.
  12. Temporary interruption of professional activity : If the insured person was not working when the incapacity occurred (e.g. due to unemployment or parental leave), the last professional activity counts for the recognition.

Industry representatives have repeatedly criticized Stiftung Warentest for its assessment practice. From the consumer's point of view, the quality of a complex occupational disability policy cannot be conclusively assessed on the basis of a few criteria. The lack of differentiation between the test criteria can already be seen in the fact that in 2013 75% of the tariffs and in 2015 57% received the top rating “very good”. The rating and analysis company Franke und Bornberg described the selection of the test criteria as "seemingly arbitrary". Important criteria that were not taken into account in the tests by Stiftung Warentest were named:

  • Exclusions from benefits
  • Definition of the position in life (as a limiting element in the case of a specific referral)
  • Payment Difficulty Regulations
  • medical obligation to cooperate
  • Regulations for certain professional groups, such as self-employed, civil servants, trainees, etc.

It can be difficult for disabled people to take out disability insurance. However, the legislature has stipulated that disabled persons may only be refused in justified exceptional cases ( Section 20 (2) sentence 2 AGG ). The law came into effect on August 18, 2006.

Health issues

There are numerous health questions to be answered before taking out disability insurance. These are carefully checked by the insurance company. Incorrect information at this point can lead to a later exclusion of benefits. The design rights range from rescission and termination to contestation (in the event of malice on the part of the policyholder). As a result, the policyholder may lose his insurance cover and may have to repay premiums received.

Applicants who suffer from illnesses have to expect surcharges, exclusions or even a complete rejection. In order to avoid disadvantageous entries in the advice and information system of the insurance industry (HIS), it is advisable for consumers to first start a risk inquiry or non-binding advance inquiry insurance .

Willingness to pay of the individual insurers

Publication by the analysis company "Morgen & Morgen" on the willingness to pay of individual BU insurers in the event of damage (as of June 2015)

insurer Performance quota in percent
Condor 92.3
Rhineland 90.3
HDI 84.6
alliance 84.2
VGH insurance 83.5
VPV life insurance AG 82.3
Debeka 81.8
SV life 80.8
AXA 80.7
Württembergische 80.1
Often Braunschweig 79.7
Europe 78.3
Arag 78.2
Swiss Life 77.6
Volkswohl Bund 76.8
AachenMünchener 76.0
German Medical Association 75.9
Inter 75.4
R + V 74.9
Bavaria Insurance 74.6
Standard Life 74.4
Munich Association 73.8
Old Leipzig 73.2
Provincial Rhineland 73.2
Barmenia 72.7
Continentale 72.6
Credit Life 72.2
Generali 72.1
LVM 71.3
Basler 70.1
CosmosDirect 70.1
DEVK railway a. G. 70.0
Gothaer 69.8
Hanoverian life 69.7
IDUNA life 68.7
HUK COBURG 68.6
dialog 66.6
Stuttgart 66.5
Nuremberg 65.2
Zurich Dt. Herald 65.1
WWK 64.8
LV 1871 61.1
Often Berlin 60.5
South German 58.8
InterRisk 57.9
Concordia Oeco 57.8
the Bavarian 56.6
HanseMerkur 55.1
DEVK General 54.0
myLife 52.7
Nuremberg officials 49.1
Family welfare 47.1
Mecklenburg 39.4
Canada Life 27.7
uniVersa between 50 and 55 *
ERGO life between 65 and 85 *
Helvetia between 65 and 85 *
new life between 65 and 85 *
VLV no participation
Community Life No data available
Itzehoer no participation
Provincial NorthWest no participation
Saarland no participation
TARGO no participation
VHV life no participation
Prevention life no participation
WGV no participation

* Exact values ​​are available, but may not be published

Discussion about the existence of a market failure

With the law on the reform of pensions due to reduced earning capacity of December 20, 2000 ( Federal Law Gazette I, p. 1827 ), the statutory disability pension and the disability pension were replaced by the disability pension. The new, significantly reduced level of benefits in the statutory pension system has thus de facto brought about a privatization of labor security.

According to statistics from the German Pension Insurance, roughly one in four will be unable to work in the course of their working life. However, in 2016 only around 17% of Germans were privately insured against occupational disability. In many cases, a pension is agreed with the insurer that is insufficient to close the supply gap between individual needs and statutory benefits.

The following reasons are given for the insufficient supply of the population:

  • Insurance costs: In order to gain advantages in price competition, insurance companies have divided the insured professions into more and more finely specified risk groups. Professions with a low risk (e.g. academics and office clerks) benefit from increasingly cheaper premiums and a very high level of performance, while physically active people (e.g. roofers and painters) are offered ever higher premiums. Against the background of this development, the insurance industry is accused of making a social risk compensation impossible and thus failing to meet its socio-political responsibility.
  • Excessive level of performance and lack of basic tariffs: In order to survive in the competition for policyholders with low occupational risks, insurers have ultimately introduced unnecessary performance features that are intended to serve as “unique” sales arguments. These made the tariffs unnecessarily expensive, especially for physically active people, as there was a lack of affordable basic tariffs.
  • Difficult access and complexity of the application process: The complexity of the tariffs and application forms offered are criticized, as incorrect information can lead to a loss of insurance cover. Pre-existing illnesses play a special role, as they can lead to high surcharges, exclusions from insurance coverage or complete rejection of the application.
  • Flexibility of tariffs: It is also criticized that, although young people can usually take out insurance quite easily due to their generally good state of health, they do not yet have the necessary income in their training and studies to cover the monthly premiums.

According to the North Rhine-Westphalia consumer center, no suitable insurance can be found in 40% of the consultations.

The Federation of Insureds and the North Rhine-Westphalia Consumer Center have described this situation as a market failure . As a consequence of the low prevalence of occupational disability insurance in the population and the unfavorable competitive dynamics for many consumers, the Federation of Insureds, the North Rhine-Westphalian Consumer Center and IG Metall are calling for greater political commitment or a return to state disability insurance.

Disability insurance (Austria)

In Austria there is a legal right to disability benefits from the respective pension insurance if a medical report has established that the person is permanently and sufficiently impaired in their performance due to an impairment of their health. The criterion is whether the person in a reasonable job could only earn more than half or less than half of the remuneration of his previous job. Physical or mental illnesses lead to claims particularly often, and occupational accidents are less common. In addition to a medical certificate, a minimum of 180 contribution months or 300 months of insurance are required as an entry requirement. The person is also not yet entitled to an early retirement pension . For under 50 years of age, the necessary number of insurance periods is reduced to 5 years (60 months) within the last 120 calendar months - for persons under 27 years of age (in the event of an insured event) the necessary contribution period is reduced to 6 months. In the event of accidents at work , accidents during military or training service in the Austrian Armed Forces or in the event of an insurance claim due to an occupational disease , the waiting period does not apply.

In addition to state security provided by the pension insurance is also in Austria the opportunity to privately against the consequences of a disability insure . However, according to a WIFO study commissioned by the insurance association, only 4% of Austrians currently have a BU or dread disease insurance .

Regulation in the Principality of Liechtenstein (disability insurance)

In Liechtenstein , employed persons are insured against occupational disability through the Liechtenstein AHV in the 1st pillar and through the respective pension scheme in the 2nd pillar .

For the IV, employees and employers each have to pay 0.75 percent of their earned income into the AHV. The main purpose of the disability insurance is to support people unable to work in such a way that they are able to earn their living in full or in part on their own and get along without outside assistance. The IV follows the motto rehabilitation before retirement. The latter is only used if the integration measures taken are not possible or not successful.

For this purpose, the IV provides:

  • Integration measures
  • Disability pensions

The 2nd pillar pension scheme also pays out disability benefits. When determining the occupational disability ( disability ), this is bound to the assessment of the disability insurance .

Regulation in Switzerland (disability insurance)

In the Swiss legal system, disability insurance is called disability insurance .

See also

literature

  • Kai-Jochen Neuhaus: occupational disability insurance . 4th, completely revised edition of the work founded by W. Voit. Verlag CH Beck , Munich 2020, ISBN 978-3-406-73261-4 (978 pages).
  • Christoph Müller-Frank: Current case law on occupational disability (supplementary) insurance . In: Peter Bach (Ed.): Insurance Forum . 7th, revised edition. tape 11 . VVW Karlsruhe , Karlsruhe 2007, ISBN 3-89952-341-5 (376 pages).
  • Peter Koch, Hubert Holthausen: Individual insurance: Insurance apprenticeship 1 . Ed .: Education Network Insurance Industry . 5th edition. VVW Karlsruhe , Karlsruhe 2002, ISBN 3-89952-000-9 (338 pages).
  • Werner Cristofolini, Hubert Holthausen u. a .: Individual insurance: Insurance apprenticeship 2 . Ed .: BWV . 5th edition. Part 1 and 2. VVW Karlsruhe , Karlsruhe 2002, ISBN 3-88487-984-7 (1,342 pages).
  • Benkel, Hirschberg: Life and occupational disability insurance. ALB and BUZ comment . 2nd Edition. CH Beck, Munich 2011, ISBN 978-3-406-39526-0 .
  • Serguei Kaniovski, Thomas Url: The effect of permanent occupational disability on the expected lifetime income in Austria. Ed .: Austrian Institute for Economic Research - WIFO. Vienna, February 2019.

Web links

Wiktionary: occupational disability insurance  - explanations of meanings, word origins, synonyms, translations

Individual evidence

  1. ↑ Roland Michael Beckmann: Responsibility in Commercial Law, p. 99 , accessed on June 26, 2011
  2. ↑ Nina Taubert: Modular and life-phase product design in life insurance. Retrieved June 26, 2011
  3. ↑ Inability to work - misunderstood danger. In: verbrauchzentrale.de. Consumer Center NRW eV, March 1, 2016, accessed on April 12, 2017 .
  4. ↑ Disability insurance and disability insurance. In: test.de. Stiftung Warentest, accessed on April 12, 2017 .
  5. ↑ Illness and accident risks. In: bundderverslösungen.de. Association of the Insured e. V., accessed April 14, 2017 .
  6. ↑ Information sheet - occupational disability insurance. (No longer available online.) In: bundderversicherung.de. Association of the Insured e. V., January 1, 2017, archived from the original on April 15, 2017 ; Retrieved April 14, 2017 .
  7. ^ Katrin Landmann: Handbook of occupational disability. Retrieved June 26, 2011
  8. ↑ worksurance: real and fake disability clause for civil servants. In: Worksurance - Portal for worker security. Retrieved on May 31, 2020 (German).
  9. ↑ https://www.bu-portal24.de/berufsunfaehigkeit-bei-teilzeittaetigkeit.html
  10. ↑ What do I have to consider for part-time occupational disability insurance? Retrieved July 27, 2020 .
  11. ↑ When a 27 percent drop in salary is unreasonable . haufe.de. June 26, 2017. Retrieved January 11, 2019.
  12. ↑ Law to improve tax incentives for private old-age provision , accessed on August 26, 2015.
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