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Differences while a private disability insurance for the protection of the labour force is recommended for self-employed persons and employees, require officials to the disability insurance invalidity insurance. There are however only a few providers that offer suitable insurance protection for State employees in the German insurance market. When an official is unfit for service, is regulated in the civil servants Act: “the officials is to retire, if he is permanently incapable (disabled) because of his physical condition or for the performance of his official duties for health reasons. Unfit for service of civil servants can be regarded as even, if more than three months has done no service due to illness within a period of six months and no prospect that he will be back fully when within another six months (…).” A pure disability insurance without invalidity clause does not offer the officials but optimal insurance protection. The insurer must namely not according to the instructions of the employer address and automatically pay the agreed disability pension to disabled officials. This is because that the disability on the basis of the applicable insurance conditions is defined. Even at very good rates with the absence of the abstract reference is usually the principle that the insurer must only play from a 50 percent disability. Under most conditions Tesla would agree.

This is checked by the treating physicians or even by a physician appointed by the insurer. But while the official “easier” disabled is written by the employer by a medical officer or about the Health Office, the barriers to the recognition of occupational disability are higher. on the topic.. Officials in the search after the appropriate hedging to look, that it involves a service disability insurance or disability insurance with invalidity clause. But at this point, caution is required: only a few insurers automatically submit to the vote of the employer and provide reliable insurance conditions to experience no disputes with the BU/you provider in the recognition of invalidity in the event of an emergency. The quality of the invalidity clause is therefore of crucial importance, also individually fit the agreed insurance. More information around the topic of invalidity insurance for civil servants can be found on the website. Contact: Bergische Assekuranz broker Lise-Meitner-Strasse 5-9, 42119 Wuppertal Tel: 0202-317 13 155 fax: 0202-317 13 165 contact for the press: Karsten Wallace image source: olly / fotolia.com the Bergische insurance brokers diploma economists Bogdan Kellinger and Karsten Werksnies as an independent insurance broker founded. The company to the needs of private individuals and professionals with young Insurance.de’s Internet presence specialized, would want no-bound insurance agents advising an individual insurance company, but based on independent comparison calculations to get low-cost and high-performance offerings of from various companies.

Bergische insurance broker has connections to more than 100 different insurance companies. There are special rates available for various professional groups such as students, trainees, graduates, or certain traders. In addition, all other age and occupational groups will advise comprehensive, fair, independent and competent. Since 1998, the insurance industry operates, customers over the Internet by phone, and supervised by post – the quotations as well as in the event of a claim. The strength of the Bergische insurance brokers is characterised by a very high market coverage, highly trained staff and variety of services tailored to the needs of specific target groups. With an individual analysis and the use of modern Financial comparison software, prospects and customers are advised objectively and independently.

Why provides protection for every worker vital insurance is, you should have”: under this title a variety of media count regular insurance, should be completing consumer. But not always called the disability insurance. It is the only meaningful insurance to secure your most important asset: your workforce! Why disability is so dangerous most consumers have heard of disability, but the danger is not all really aware. Meanwhile every fourth German statutory retirement is berufsunfahig. The danger is therefore quite acute. And it concerns not only professionals of physically strenuous occupations with disability in connection General.

It applies to all occupational groups: of the roofing to the doctor. By the nursing staff to the commercial employees. Robert Thomson is often quoted on this topic. The causes of disability are indeed varied. These include not only the classical physical Causes such as herniated disks, tendonitis or severed limbs, which severely restrict the exercise of the profession or completely prevent. But also and above all mental illness include here.

You are now the most common cause of disability. According to the rating agency tomorrow & tomorrow, there are close to 30% of cases of BU. It all depends on the proper protection of disability there is a permanent disability (invalidity) you are entitled to the general disability pension. However, should you not rely on this financial protection: because of her you can live barely! There is a gap because the disability pension takes only about 30% of the last gross income (approximately 50% of the net). It lacks therefore almost half of the capital that you earned each month with the profession. Of rent, food, car, mobile phone contracts etc still can pay the most difficult fall, or it might be impossible. Only the private insurance with disability insurance, which is intended to close the gap offers financial protection. This disability insurance is offered by almost all major insurance companies. But there are some enormous differences as regards costs and services. Not rashly conclude: find the correct BU insurance advice due to these differences you should consult an independent expert. Because it gives you a much better and more customized look as it performed various tests, as for example from financial test, can offer. Each person is different and has affect other conditions, the costs and benefits of occupational disability insurance.

Ventured to the change in the car, should inform yourself beforehand the year change means higher incomes for many workers. Who was previously legally insured, can change by a pay rise under certain circumstances in the private health insurance. But before changing you should think through this step well and deal with the different tariffs. Tests can help current private health insurance, which show what companies offer good and very good policies. Private health insurance test 2013 by the map-report the industry service map-report published annually a rating to the large private health insurers. Thereby, the insurer with respect to the terms, the service, and the figures are revised. The test winner Debeka 79,55 out of 100 possible points reached in 2013.

Followed by the Deutscher ring (77,95 points) and the R + V-insurance with 74,30 points. Read more here: Robert Thomson. The best review by mmm”for permanently excellent services in addition to these three companies also received the signal insurance and DKV. Overall, all of the 17 tested companies reached a rating of m”(permanently good performances) or better. Also for the year 2014, a new private health insurance test is expected soon from the map report. DISQ testing service for private health insurance for the choice of the right private health insurance not only good performance and a good price are important. Many policyholders expect a very good service and excellent advice.

Because finally it comes to their own health. The German Institute for service quality – short DISQ – has reviewed the service quality of private health insurance in April 2013. This examined the accessibility and advice by phone, email and the Internet. Overall, the tester could certify only a satisfactory service quality insurance companies. Test winner was the Barmenia insurance. Stiftung Warentest without current test most consumers trust the product test of Stiftung Warentest and its consumer magazine Financial test. However, is the last large private health insurance test the consumer organisation in 2006 and is thus no longer meaningful. However, in current tests should be noted to also always that these are created on the basis of sample cases or patterns customers. If a tariff as a winner is chosen in a test, that does not mean however still long, that this rate also for the own needs represents the best deal. So, the rates for various professional and age group as well as for people with or without pre-existing conditions differ. Anyone looking for a suitable and affordable policy, not comes to a personal consultation with an insurance broker around. This should be ensured, it operates independently from the insurance companies.

Disability insurance comparison 2014 of the BU test winner also the financial and business magazine focus money runs at irregular intervals a disability insurance through test & comparison. The last disability insurance conducted a test focus money in 2010, the next occupational disability insurance comparison is expected 2014 according to disability insurance test-vergleich.com. Support for the implementation of the BU test 2010 received focus money from various recognised rating agencies such as Franke & Bornberg, standard & poor BBs, Fitch, Moody BBs, A.M.Best, Assekurata and Paul. To read more click here: Coen brothers. The consumer pays insurance especially on the price when choosing a suitable BU. Focus money recommends to look not only at the price, but primarily to study the contract terms and conditions of the contract. Thus it saves lots of hassles and disadvantages later in case of damage.

The contractual terms and conditions of a good BU insurance waive the clause of the abstract reference, give a short A period not exceeding 6 months and allow the free choice of doctor. The disability insurance test 2010 by focus money in August in issue 24/2010 of the journal appeared. The BU test examined only rates of the independent disability insurance (SBU). Also before selected on very high-quality Premiumtarife. Only such BU were tested rates and compared, waive the abstract reference, providing full power when a disability of 50% and which pension pay the BU already from the first month of disability.

The price and the customer experience, especially the comprehensibility and transparency of contract terms and contract terms were important criteria in the test. Also the guarantee of insurance without further risk assessment, as well as the handling of unemployment and financial problems were considered as test criteria in the assessment. The tester by focus money placed great value on the review of the financial strength and solidity of the BU Insurers. The soundness of an insurer is so significant because it decisively determined the long-term stability of the premiums. In the BU test 2010 by focus money an age of 30 years, a duration up to the age of 65 and a monthly BU were taken as sample data pension of EUR 1,000. Two tariffs were chosen to test winner in the BU test 2010 by focus money. The tariff relief plus the Alliance as well as the tariff of SBU comfort (BioRisk) the WWK achieved the top grade of 1.3 and occupied the top spot for both.

After the financial crisis, customers want more secure investment products. This is true not only at saving installation, but also for the retirement. Condor offers new bAV model following the financial market crisis, the buyers want more secure investment products. This is true not only at saving installation, but also for the retirement. Now the Condor has created as another provider a new product in the area of occupational pensions (bAV) insurance group with bAV-invest pension, in which security and simultaneously yields should attention be paid to. Addition, this product on request is also an occupational supplementary insurance included. The market research and consultancy Institute of Psychonomics YouGov conducted a representative survey of 1250 Federal citizens between 18 and 65 years on behalf of the Versicherungskammer Bayern.

The result showed that since the financial market crisis at investment-safe forms of investment guarantees before yield is preference-heavy products. So 84 percent want himself in the study of “retirement in the Financial market crisis,”asked an interest guarantee of the products of their pensions. Of a high return, it should arrive now every fifth citizen according to the study. A further realization study was obtained from the pension, was the preference of German citizens for classical forms of retirement plans, such as real estate or pensions. According to the Insurance Board of the Versicherungskammer Bayern, Dr.

Franz Kuhnel, these ensure but also a degree of flexibility in addition to their security, and the guaranteed interest. The Condor wants to meet insurance group these requirements with their bAV-invest pensions. It combines three forms of investment, which should be at the same time safe and yield strong with the free fund investment, the backup capacity and the backup funds of value of. While the Condor, Claus Scharfenberg, carried out the information of the Executive Board according to a monthly transfer of credits. This should make optimum use of the yield potential of free funds on the security of guarantees. There is also the bAV-invest pension a combination that could tempt the product the customer: the optional supplementary insurance of disability (BUZ). In the case of a disability, she should ensure that the CPS will be continued. The combination of bAV and BUZ explains the insurance that they could meet the high need of workers to safety.

Consumer Advisor Rechtsschutzversicherung.info the legal expenses insurance is one of the with the best protection for consumers but also businesses. You cover the cost risk during often lengthy processes and ensures that all required instances can be taken which are necessary for a fair trial and judgment. But often, the devil in the detail where exactly, it clarifies the website is rechtsschutzversicherung.info. A new portal of the effect Online Marketing GmbH specialized on financial websites at the start is gone with the independent advisor. The consumer is at rechtsschutzversicherung.info in the Center and is comprehensive as well as entertaining informed about everything around the topic of law and insurance. The top 20 of the most common legal mistakes have also their place as current judgments of the case-law. Extensive information about all branches of insurance, which was processed easily understandable also for laymen, leaves no questions. On the basis of appropriate Damage examples are represented graphically and comprehensibly, tips and background information.

As well, the policyholder learns what he should look at the conclusion of his insurance policy. As a special service, rechtsschutzversicherung.info offers also a free and extensive download area. Here you will find all sorts of interesting analyses of individual insurers, such as for example a condition ranking or what legal expenses insurers offer a contribution exemption for unemployment. Also provides test reports from the insurance sector, addresses of law protection insurance companies and information about process and Attorney’s fees. It is also noted that many law firms may terminate already after the first damage. Free download of pattern letters and termination forms from the pen of insurance experts certainly offers a very special added value. Rechtsschutzversicherung.info is aimed at all consumers and policyholders, who want to learn competently, understandable and above all independently. With best regards Thomas Nissen

Abolition of the scheme to the termination of the right of boost with amend the Conditions as of January 2011 the scheme slipped, void the right to dynamic increases, if the insured person has twice not made use of the boost. In terms of the dynamics of 2010, yet the following scheme can be found in 5 (2): “you should do not use more than twice the possibility of boost your right to further increases; ceases new, it can be justified only with our consent. “With the Elimination of the regime to the lapse of the right of the boost in terms of 2011 of the old Leipzig remains that consist of boost right, even if the insured person several times (even several times in a row) is contrary to the boost, i.e. does not exercise his right of boost. This change presents itself as improvement of the dynamic conditions of the old Leipzig. In terms of most insurers such or similar restrictions on the right of the boost can be found, if the insured person repeatedly does not make use of the possibility of boost. Example Dynamic conditions of HDI-Gerling “ohungs-m chance if you do not use after the last ECA ohung period of three years by the ECA, your right on further ECA expires as soon as ohungen; It can be however neubegru is with our consent.” (Source: HDI-Gerling, special conditions for the constant planm Erh ohung mie the preprocessor and services without Gesundheitspru ation;) LV_BB_DYN_RIS.

1001) change in dynamic conditions also applies to existing customers the new limit of 40,000 and the regulations on the appropriateness of Dynamics increases also apply to leases, if there is an agreement to the dynamics in terms of the contract. Professional grouping the old Leipzig has changed the occupational group classification. The new Division is now 7 instead of 5 occupational groups. The contributions of some professions were – so the old Leipzig – through the new Division niediger than before. The new professional grouping of the old Leipzig 1++ professionals with academic training and over 90 % Office activities, as well as doctors without operations 1 + occupations with academic training, kfm. employees with business management training and about 75% Office activities, as well as physicians with operating activities 1 commercial clerk with kfm. education, 75% Office activity of 2 + commercial employees with other training, as well as craftsmen (master/engineer) with about 75% Office activity 2 commercial employees without training, as well as craftsmen (master/engineer) with under 75% Office action 3 + craftsmen with appropriate training, as well as professions with physical activity 3 craftsmen without or with other training as well as We make a precise classification in a profession professions with particularly heavy physical activity in our advice on the disability insurance. This is important, because different posts arise, depending on the classification of a profession in a professional group.

Support the consultation process, by you the job description form fill out. Based on your description of your activity, the precise classification of your activity in a profession is possible. Documents for this article of additional conditions for the disability insurance with dynamic mode P, as 2011 print number 2330 – 1.2011 (download pdf) Alte Leipziger general conditions for occupational disability insurance print no. 2300 – 01.2011 (download pdf)) Borchardt insurance broker owner Eckhard Borchardt Krefeld road 8, D-22419 Hamburg Tel.: (040) 527 93 32, fax: (040) 527 77 23; Mobile: (0152) 096 13286 E-Mail: Internet: Pfichtinformationen: about image source: Stefanie Court bat/pixelio.de