Differences while a private disability insurance for the protection of the labour force is recommended for self-employed persons and employees, require officials to the disability insurance invalidity insurance. There are however only a few providers that offer suitable insurance protection for State employees in the German insurance market. When an official is unfit for service, is regulated in the civil servants Act: “the officials is to retire, if he is permanently incapable (disabled) because of his physical condition or for the performance of his official duties for health reasons. Unfit for service of civil servants can be regarded as even, if more than three months has done no service due to illness within a period of six months and no prospect that he will be back fully when within another six months (…).” A pure disability insurance without invalidity clause does not offer the officials but optimal insurance protection. The insurer must namely not according to the instructions of the employer address and automatically pay the agreed disability pension to disabled officials. This is because that the disability on the basis of the applicable insurance conditions is defined. Even at very good rates with the absence of the abstract reference is usually the principle that the insurer must only play from a 50 percent disability.

This is checked by the treating physicians or even by a physician appointed by the insurer. But while the official “easier” disabled is written by the employer by a medical officer or about the Health Office, the barriers to the recognition of occupational disability are higher. on the topic.. Officials in the search after the appropriate hedging to look, that it involves a service disability insurance or disability insurance with invalidity clause. But at this point, caution is required: only a few insurers automatically submit to the vote of the employer and provide reliable insurance conditions to experience no disputes with the BU/you provider in the recognition of invalidity in the event of an emergency. The quality of the invalidity clause is therefore of crucial importance, also individually fit the agreed insurance. More information around the topic of invalidity insurance for civil servants can be found on the website. Contact: Bergische Assekuranz 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. The company to the needs of private individuals and professionals with young Insurance.de’s Internet presence specialized, would want no-bound insurance agents advising 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 brokers is characterised by a very high market coverage, highly trained staff and variety of services tailored to the needs of specific target groups. With an individual analysis and the use of modern Financial comparison software, prospects and customers are advised objectively and independently.