Occupational disability & income protection
If your ability to work is limited for a longer period, a gap quickly opens between ongoing costs and state benefits. We look at that gap concretely before discussing solutions.
For most people income is the foundation of everything else. We look at what happens if it stops.
Who this advice is for
This topic may be relevant to you in the following situations:
- Working people whose living costs depend on their own income
- Career starters who want to use favourable conditions early
- Self-employed people without employer-based protection
What we clarify together
A suitable recommendation starts with the right questions. In a personal consultation, we look at:
- Which costs continue if you cannot work for a longer period?
- Which entitlements exist from statutory cover or employer benefits?
- How long would your reserves last?
How we approach the consultation
We proceed step by step so that you can understand the options and make an informed decision:
- Compare income, fixed costs and existing entitlements
- Quantify the protection needed together
- Discuss possible routes including health questions and the application process
What you should keep in mind
Before making a decision, it is important to consider the following points:
- Health questions must be answered truthfully; later corrections are difficult.
- Exclusions, waiting periods and definitions differ considerably between contracts.
- The later the decision, the more often pre-existing conditions play a role.
Common questions
Is this relevant for students too?
Many look at it early because health questions are often easier to answer then. Whether it fits depends on your situation.
What if I already have cover?
Bring the documents. We look together at what is already covered and which questions remain.