Karsten Werksnies

Protection of labour for pre-existing conditions of the hedge demand for private invalidity or disability insurance has significantly increased in recent years, as the Government payments in the event of a health-related profession task is by far not enough. The hedge was problematic but for people in high-risk occupations or about pre-existing conditions have existed: in these cases, the private disability protection often was either too expensive or even not lockable. A German insurance company has introduced a new disability insurance at the beginning of the year, which is lockable without health issues. Statistically speaking today about every fourth professionals retirement is berufsunfahig. The Government services are very modest: on average, approximately 600,-euros are paid monthly as a State disability pension. Many of those affected are to the charity case. Who in time to complement a professional or Disability insurance has concluded, is usually well covered.

Many professionals disability insurance due to high prices or pre-existing diseases was previously impossible. For these groups, there is now a suitable solution with the disability insurance without specific health claims. The disability insurance for all persons, who are not yet purchase – or berufsunfahig and were not rejected in recent years by another insurer is lockable. The maximum amount of protection for incapacity for work is 1.000,-euros per month. The agreed pension is paid if the insured person can exercise any professional activity. Applies here – similar to the full disability pension – a period of three hours per day, which must be exceeded so that the pension is paid. Accident-related disability, the insurer pays immediately and without having to wait.

For illness-related disability There is a waiting period of five years. This rule can on the usual health issues be dispensed with and complete insurance cover even for existing medical conditions. In addition to the disability, the insurer also care and dementia does. Total disability insurance offers an appropriate alternative for the protection of labour, if a disability insurance on the basis of the profession of the excessive contribution, or even on the basis of pre-existing conditions may not be completed. More information on the disability insurance: Bergische insurance 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. With the Internet presence Young Insurance.de specializes the company meet the needs of private individuals and professionals, who would want no advice-bound insurance representatives 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 industry is record by a very high market coverage, highly trained staff and various brokers specific target groups tailored to offers from. With an individual analysis and the use of cutting-edge financial comparison software, customers are advised objectively and independently.