Combination of basic pension and disability insurance the disability hedging is for all professionals of enormous importance. Finally, having to give up his profession for health reasons in advance risk in each job. However, government backing of a “real” disability insurance no longer exists for people who are born after 1960. The combination of pension and disability insurance through a State-aided base pension with inclusion of a disability insurance can bring tax benefits: both the contributions for retirement and disability insurance can tax issued under certain conditions and thus cause a tax reduction. In 2010, 70 per cent of the contributions for a basic pension be tax exempted (not more than 14,000 euros for singles).

In each subsequent year this increases by two percentage points, so that in the year 2025 Age pension contributions be considered 100 percent tax. In particular for self-employed the base pension is often the only way of a State-sponsored and Hartz IV safe pensions. To make the contributions for occupational disability insurance tax claim, the retirement savings contributions must exceed so at least 51%, the share of the occupational disability insurance 49% of the total monthly contribution. The subsequent pension payments are fully by the State taxed, but normally the tax burden in the pension cover phase is much lower than before. Since also the occupational disability pension for a combination product is taxed, adequate protection should be selected here. It is important when choosing a BU combination product to find but in particular the appropriate provider that offers very good conditions both pension and disability insurance.

For example, an insurer who provides good results in the area of pensions, may at the same time be a below-average disability insurer. A combination may be useful if they find a good provider in the field of old-age provision, which at the same time has very good contract conditions and experience in the field of disability insurance. More information around the topic of disability insurance can be found on the Internet portal. 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: Bogdan Kellinger the company Bergische insurance broker was founded by the diploma economists Bogdan Kellinger and Karsten Werksnies as an independent insurance broker. With the Internet presence of young Insurance.de the company specializes specifically on the needs of private individuals and professionals, who want no-bound insurance agents advising an individual insurance company, but on the basis independent comparison calculations affordable and powerful companies want to get quotes. 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 in the insurance industry are active customers via the Internet, by telephone and by post served – when preparing offers, 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 cutting-edge financial comparison software, customers are advised objectively and independently.