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What is disability insurance?
Disability insurance acts as an income buffer if you’re no longer able to work due to an unexpected occupational disability.
Disabilities covered by insurance have to cause a reduction in your capacity to work by at least 50% and have lasted more than 6 months. The most common disabilities are mental illnesses like burnout or coordination impairments like chronic back pain.
Public health insurance will pay for the first 6 months of an occupational disability, so getting disability insurance can cover the gap until retirement or until you’re able to work again.
How does disability insurance work?
You’ll apply for insurance with a requested monthly payout sum. This is the amount you will get per month after it has been determined that you have an occupational disability.
Why do people need it?
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.
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).
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.
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.
Disabilities related to mental illnesses
Around 1 in 4 people in Germany experience a mental illness each year. Psychological health problems are the second most common reason for sick leave and the most common reason for early retirement. With the mental health add-on, your disability insurance coverage would extend to psychosomatic occupational disabilities.
What’s not covered?
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Chronic back pain
Sam is currently working as a chef but is recently diagnosed with chronic back pain and told by her doctor that because of how physically demanding her job is, she’ll never be able to work in gastronomy again.
She receives her disability insurance after the first 6 months. After that, she decides to go to a 5-month design boot camp and get a new job in another industry. She’ll continue paying her disability insurance after her new employment begins.
Cancer
Mark is diagnosed with thyroid cancer and needs to have his thyroid completely removed while taking medication and going through therapy to fight off the cancer. After 3 years, he feels well enough to continue his former work and continues to pay into disability insurance at that point.
15% of the people who will receive disability insurance will have cancer-related occupational disabilities. In this scenario, they will receive their monthly payout until they can work or retire.
Burnout
Mathias took on an internship in his dream industry where he worked upwards of 35 hours per week and studied simultaneously. It was exhausting, but he managed to get a good grade and graduate with a great start-up job.
He begins working upwards of 70 hours per week, while wearing multiple hats to ensure the company is successful. Four years later, the start-up, unfortunately, failed after an established foreign competitor joined the market.
The shock triggered his untreated burnout, and he became completely incapable of working or finding a new job. His doctor diagnosed him with long-term burnout, and now his disability insurance is the only source of income.
How much will disability insurance provide in compensation?
How are benefits paid out?
Am I eligible?
Can I raise my compensation limit at another time?
What happens if I lose my job and am unable to pay?
Will I be denied disability insurance if I smoke?
How can I claim?
What is the difference between a concrete and abstract referral?
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