Company disability insurance includes worldwide coverage, which means your employees will remain insured when traveling outside of Germany - wherever they go.

Company Disability Insurance

Q: How is the cost calculated?

We offer pricing based on actual usage: That means both based on age and number of employees. We're usually between 10-20% cheaper if you're a company with mainly office employees.

Q: What happens when an employment contract ends?

Coverage will end when an employment contract ends. The premium will be adjusted according to active employees.

Q: When can I cancel the contract?

The minimum duration of the contract is 12 months and after that you can cancel any month with 2 clicks in the Feather account (or by email or post if you prefer, we don't offer fax unfortunately).

Q: How are premiums paid?

Feather can issue monthly/quarterly/yearly invoices, or simply set up a direct debit with us.

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What is company disability insurance?

Disability insurance provides financial assistance to employees who are unable to work. The public system in Germany only offers very basic cover in this situation, so many employers choose to top this up.

Offering disability insurance can increase both employee loyalty and retention, and is great value in particular for higher income desk job employees.

Couple checking documents about disability insurance

How does company disability insurance work?

If your employees are unable to work due to a disability, this insurance pays the lost income. The most common disabilities are mental illnesses like burnout or coordination impairments like chronic back pain.

There are no out of pocket costs for your employees! They'll also have full access to our support team should they have questions about the policy or the other insurance products we offer.

Colleagues checking details about disability insurance

Simple, digital process for employers

Onboarding of existing and new employees is handled quickly online. Employees have access to a personalised Feather account, where they can view policy details and more.

Why Feather?

Low fess

We're 100% digital, and pass the cost savings on to your employees

Best coverage on the market

We offer you the best value for money and your employees the best coverage available.

Fully digital, under one account

Sign-ups and claims are handled online; multi-policy holders enjoy one account for all their insurances.

Both in English and German

Ideal for international employers, our website and team offers support in German or English.

What’s covered?

Debt and Mortgage

If you currently have any debt or a mortgage, disability insurance will compensate for any lost income and allow you to meet monthly repayments for these financial obligations.

Lost Income

If you depend on your current income, insurance will jump in to provide you with a higher income than unemployment would (which some people might not even be entitled to).

Childcare and Education

If you’re paying for the education of your child or partner, having a safety net in case of a potential disability would provide the necessary finances to continue.

Personal Lifestyle

If you’re used to going on vacation, going out to eat, going to the movies, or doing other things that require your current income, disability insurance will help you keep this standard of living.

What’s not covered?

Performance-based unemployment

If you get fired or quit your job and are physically and mentally fit, then insurance will not cover this. It covers you if you are incapable of working to a certain extent and not because you wish to remain unemployed.

Short-term illnesses

Short-term illnesses like the flu or food poisoning that last about a week or a broken wrist that lasts 6 weeks are almost always covered under health insurance and your employer’s sick leave.

Occupations that aren’t covered

Certain dangerous occupations aren’t covered, like working with hazardous substances, in crisis areas, at a height of more than 10 meters, in aviation, in diving, in mountain sports, in martial arts, in motor sports, and in other high-risk fields.

Intentionally caused illnesses

Intentionally caused occupational disabilities are not covered (including self-harm and attempted suicide). Our mental health add-on will cover these situations if it’s proven that these acts were committed in a state of pathological and mental disturbance.