Question 1

What is occupational disability?

Accepted Answer

Occupational disability is the inability to perform one's last occupation for a certain period of time or permanently. Persons who are unable to perform their previous occupation for at least six months or permanently to at least 50% or not at all are considered occupationally disabled. Occupational disability can be caused by illness, physical injury, accident or the need for care.

Question 2

What is the difference between occupational disability and incapacity for work?

Accepted Answer

Being considered unfit for work does not necessarily mean that you are unable to work. You are considered unfit for work if you are no longer able to perform your last job sufficiently (at least 50%). However, you are only considered unable to work if you are no longer able to perform any professional activity to a sufficient extent.

Example: Max Muster has been a tiler for 20 years. Due to osteoarthritis in his knee, he can no longer pursue his profession and is therefore unable to work. However, Max Muster can still perform other professional activities and, for example, help out in his company's office. He is therefore not considered to be unable to work.

Furthermore, only self-employed persons can apply for a disability pension.

Question 3

What is the abstract right of referral?

Accepted Answer

The abstract right of referral enables statutory occupational disability insurance to require the insured person to take up another occupation in the event of occupational disability. In this case, no occupational disability pension is paid.

Allianz waives this abstract right of referral. The obligation to pay benefits begins as soon as occupational disability occurs!

Question 4

Who pays in the event of occupational disability?

Accepted Answer

In the event of permanent occupational disability and if certain criteria are met, the statutory occupational disability pension is paid. However, the insurance benefit is often too low to cover the loss of income.

Private occupational disability insurance provides additional financial security with less stringent requirements.

Question 5

How much should my occupational disability insurance cover?

Accepted Answer

The amount of your occupational disability insurance is based on your net income. Ideally, private occupational disability insurance and statutory benefits together should cover 80% of your previous net income. However, in order to receive at least the necessary protection in an emergency, statutory and private occupational disability insurance should cover at least 50% of your net income.

Question 6

Who should take out occupational disability insurance?

Accepted Answer

Occupational disability is one of the biggest financial risks. It therefore makes sense for all working people to take out insurance. However, occupational disability insurance is particularly worthwhile for the following professions:
Doctors, mechanics, watchmakers, tennis players, physiotherapists (e.g. osteoarthritis)
tile layers, floor layers, professional footballers (e.g. knee osteoarthritis)
bakers (e.g. baker's asthma)
nursing professions; Professions involving heavy lifting, sedentary professions (e.g. slipped discs)
Managers, managing directors, but also self-employed and working people in general (e.g. burnout)
Scaffolders, roofers, miners, pavers, butchers (e.g. accidents)

My professional comprehensive insurance

What is occupational disability insurance (OD)?

Why is occupational disability insurance (OD) a good idea?

Payment of a monthly pension

Individual insurance benefit

Additional protection to statutory occupational disability insurance

Full insurance cover from day one

Exemption from premium payments

Affordable supplementary insurance

When are you considered unable to work?

The most common reasons for occupational disability

Occupational disability: The legal regulations

Statutory OD

Private OD

Difference between occupational disability insurance (OD) and basic disability insurance

Costs for occupational disability insurance

Case study 1

Case study 2

Frequently asked questions about occupational disability insurance

Customer reviews

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