Berufsunfähig: Wer ersetzt Dein Einkommen?

👉 Personal assessment of your disability insurance or your insurability: https://akv-heidelberg.de/terminbuchung/ Is disability insurance worthwhile, or is the state sufficient? Someone earning €4,000 net per month can secure an income potential of more than €1.6 million over 35 years – yet many jeopardize this protection through errors in the application process or rely solely on the statutory disability pension. In this video, you'll learn what disability legally means, the most common causes of disability, the actual payout rate of insurers, and why the application process can be crucial for your future protection. What to expect in the video: 00:00 Is disability insurance worthwhile? The 1.6 Million Euro Question 01:55 Definition of Occupational Disability – Section 172 of the German Insurance Contract Act (VVG) 04:09 Causes of Occupational Disability – Who is Really Affected? 05:36 Why Early Enrollment is Crucial 07:30 Occupational Disability Benefit Rate – Does the Insurance Company Really Pay Out? 08:58 The Most Common Mistakes When Applying 10:53 What a Good Occupational Disability Insurance Policy Costs 11:46 Conclusion: Is Occupational Disability Insurance a Good Idea? This video covers topics such as: ✅ Disability insurance explained simply ✅ The difference between disability and reduced earning capacity pension ✅ The most common causes of disability ✅ Mental health conditions as a cause of disability ✅ Answering health-related questions correctly ✅ Anonymous risk assessment explained ✅ Claims rates of disability insurers ✅ The cost of disability insurance ✅ Protecting your earning capacity 💬 Have you already taken out disability insurance or are you just starting to look into it? Feel free to share your experiences and questions in the comments. 👍 If you liked the video, please give it a thumbs up. 🔔 Subscribe to the channel if you want to receive regular, easy-to-understand information about insurance, retirement planning, disability, private health insurance, and financial security. ✅ Disability insurance explained simply ... 👉 Personal consultation: https://akv-heidelberg.de/terminbuchung/ About me Alexander Kohl, owner of AKV Heidelberg, has been an independent insurance broker for over 25 years. On this channel, you'll find easy-to-understand information about disability insurance, private health insurance, retirement planning, statutory pensions, and financial security – independent, practical, and without jargon. Note: This video is for general information purposes only and does not replace individual insurance, tax, or legal advice. The specific terms and conditions of your insurance policy and your personal circumstances are always decisive. #disabilityinsurance #disability #incomeprotection #disabilityinsurance #disabilitypension #insurancebroker #insurance #retirementplanning #financialsecurity #AKVHeidelberg