Betriebliche BU: Wann der Schutz wegbricht – und wann sie trotzdem sinnvoll ist

📅 Book an appointment for your individual disability insurance consultation: 👉 ​​https://akv-heidelberg.de/terminbuchung/ Occupational disability insurance through your employer (company pension scheme) often sounds attractive: The premium is deducted from your gross salary, the coverage seems convenient, and it's often cheaper than private disability insurance. But what happens if you're ill for an extended period, your salary payments end after six weeks, or you change employers? In this video, I'll show you the most important differences between private and occupational disability insurance with a practical focus. Because what matters isn't just the cost of the coverage today, but whether it will actually provide support in a serious situation. You'll learn: Why occupational disability insurance can become problematic after salary payments end, what role changing employers plays, why suspiciously low premiums should be carefully examined – and for whom occupational disability insurance might still be a good option. [Your Name] Link to the tax treatment of private vs. company-provided disability insurance:    • BU über den Arbeitgeber: Warum 3.000 € Ren...   Chapter overview: 00:00 Company-provided disability insurance – affordable entry point or hidden trap? 00:49 Private vs. company-provided – the fundamental difference 02:09 Coverage can lapse after 6 weeks 04:30 Changing employers – the forgotten risk 06:00 When the premium seems suspiciously low 06:47 When company-provided disability insurance still makes sense 08:48 Conclusion: 3 questions you should ask now 💬 My question for you: Do you have disability insurance through your employer – and do you know what happens to your policy if your salary payments stop after six weeks? Feel free to write it in the comments. ... 👍 If this video was helpful, I'd appreciate a thumbs up. 🔔 Subscribe to the channel if you'd like easy-to-understand information on disability insurance, retirement planning, insurance, and financial security. 📅 Would you like to have your disability insurance or your employer's offer reviewed? You can book an appointment here: 👉 https://akv-heidelberg.de/terminbuchung/ About me: Alexander Kohl, owner of AKV Heidelberg, has been an independent insurance broker for over 25 years. I offer online consultations nationwide and explain insurance topics in a way that is truly relevant in practice: understandable, factual, and without sales pitches. Note: This video is for general information purposes only and does not replace individual consultation. Whether private or company-sponsored disability insurance is more suitable always depends on your health, your occupation, your income, the specific policy terms, and your personal circumstances. Policy terms, tax regulations, and social security implications are subject to change and must be reviewed on a case-by-case basis. #disabilityinsurance #companydisabilityinsurance #privatedisabilityinsurance #incomeprotection #disabilityinsurance #occupationaldisability #AKVHeidelberg #insurancebroker #companypensionplan #insurancetips