Employees
The state reduced earning capacity pension (gesetzliche Erwerbsminderungsrente) is well below your last net income and is only paid if you can hardly work at all.
Occupational disability insurance in Cologne
If you can no longer do your job because of illness or an accident, you lose your income. The state reduced earning capacity pension (gesetzliche Erwerbsminderungsrente) usually does not make up for that. Occupational disability insurance (Berufsunfähigkeitsversicherung) then pays you a monthly pension.
Who this cover is particularly important for
Self-employed
Many self-employed people have no state cover at all. Here, your own cover is the only cover there is.
Apprentices, students, career starters
Getting started is inexpensive, and the cover can be increased later without a new health assessment.
Skilled trades and physical jobs
If the premium gets too high, there are alternatives such as total disability insurance (Erwerbsunfähigkeitsversicherung) or basic ability insurance (Grundfähigkeitsversicherung).
What matters in the policy
Two policies with the same pension can be very different. These are the points I check with you.
No abstract referral (abstrakte Verweisung)
The insurer may not refer you to another occupation that you could theoretically still do.
Increase option (Nachversicherung)
If you marry, have a child, get a significant pay rise or buy a property, you increase the pension without new health questions.
Policy term
The policy should run until your retirement begins, not just until 60.
Honest answers
Incorrect or forgotten details about your health can cost you your cover. That is why we go through the questions without any rush.
How the consultation works
The initial consultation is free and without obligation.
Getting to know each other
You write, call or book online. We find an appointment that fits into your day.
Taking stock
We go through your situation and your existing policies and find gaps or duplicate premiums.
Proposal
You receive a clear proposal showing the benefits and the premium. You take your time to decide.
Ongoing support
I remain your contact: for questions, changes and when you have a claim.
In person, by phone or online
My office is at Idastraße 41, 51069 Köln, with step-free access and free parking in the side street. If it suits you better, I can advise you by phone or video call.
I am a tied insurance agent (gebundener Versicherungsvertreter) and exclusively arrange products of the SIGNAL IDUNA Group.
Questions about occupational disability
How high should the occupational disability pension (Berufsunfähigkeitsrente) be?
High enough to cover your fixed costs and your living expenses. Your net income serves as a guide. We work it out with your figures.
What if I have pre-existing conditions?
Before the application, we clarify how the insurer assesses your details. Possible outcomes are normal acceptance, a surcharge or the exclusion of individual conditions.
Does the insurance also pay out for mental illness?
Yes. What counts is that a doctor establishes the occupational disability, not its cause. Mental illnesses are among the most common reasons.
Isn’t the state reduced earning capacity pension (gesetzliche Erwerbsminderungsrente) enough?
As a rule, no. It is only paid if you can no longer work to any significant extent in any occupation, and it is well below your last net income.
Are there alternatives if the premium is too high?
Yes, for example total disability insurance (Erwerbsunfähigkeitsversicherung) or basic ability insurance (Grundfähigkeitsversicherung). They pay out in fewer cases but cost less.
Let’s talk about it
Send me a short message saying what it is about. I usually get back to you the same day.
- Online booking
- Choose an available slot
- Phone
- 0176 72619940
- wa.me/4917672619940
- Uygar.Vural@signal-iduna.net
- Address
- Idastraße 41, 51069 Köln
- Hours
- Monday to Friday, 9 am to 8 pm
Evening appointments by arrangement - Languages
- German, Turkish, English
- @vural.solutions