Psychological and orthopedic diseases are front a disability insurance affected although the health cannot restore, protect against financial emergencies. The finance portal geld.de reported the most common reasons for a premature end of the career. According to the Swiss life insurance provider, psychological and orthopedic diseases lead the list of the causes of disability. In detail is the widespread disease of depression, which is to create the Germans most diseases of the spine and the joints. Swiss life has investigated the disability reasons of its insured. Orthopaedic diseases are at 29 percent, 28 percent are suffering from depression or burnout. This is followed by accidents, cardiovascular disease and cancer. More than 20 percent of all workers have to prematurely give up their profession.

Currently, this 1.5 million German concerns. The State provides only limited support in such cases, private provision is therefore of great importance. When buying insurance, pre-existing conditions shall be indicated. The level of contributions is not only the history, but even after the time of the conclusion of the contract. Earlier workers protect themselves, the cheaper it is for them.