Causes For A Disability

Tuesday, June 4th, 2019

What diseases often lead to a disability? The risk of disability affects all workers. Although physically strong stressful professions such as as a construction worker, nurse or firefighter apply generally as more affected by a disability than commercial or administrative occupations. However, the main cause of a health retirement from working life is in mental disorders. Meanwhile, more than 30% of all cases of incapacity for work or professional are due to such causes. Mental illnesses are mostly independent of the profession exercised, are the main cause of a disability especially at commercial professions, doctors or Government officials. Other places followed by diseases of the skeleton, muscles, heart, of the nervous system or various cancers. Consequently, most different diseases are the cause of a disability.

Rarely, the consequences of an accident are the cause for the Loss of the labour force. Accident insurance is a cheaper basic protection, but it does not offer protection for diseases and their consequences. In the event of occupational disability, persons who are born after the 01.01.1961 received no government benefits. There is only the possibility of a very small State disability pension. This is average but still well below the poverty line, so that often a social descent is inevitable. A suitable provision can be made with private disability insurance. This makes an individual previously agreed pension payment in the event of occupational disability, if the wages by the Professional task does. The contributions for an occupational disability insurance vary according to different criteria.

These include, for example, the required protection amount of disability pension, the age and State of health upon completion of the contract, but also the profession. The price differences in the Partially more than 100% be disability insurance, so that both a price comparison but also a comparison of condition are highly recommended. More information on the subject of disability protection 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: Bogdan Kalid image source: olly / fotolia.com the Bergische insurance brokers diploma economists Bogdan Kellinger and Karsten Werksnies as an independent insurance broker founded. With the Internet presence of young Insurance.de the company specializes specifically on the needs of private individuals and professionals, who would want no advice-bound insurance representatives an individual insurance company, but based on independent comparison calculations to get low-cost and high-performance offerings of from various companies. The society Wuppertal 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.

Hanse Merkur Judgment

Monday, May 6th, 2019

Court conceded equal to several times the resignation of PKV straight I wrote about the tariffs “CVD start fit” Hanse Merkur and their gaps and specificities in terms of. In my blog post “Hanse Merkur start fit (CVD) effective protection as claimed?” read, among other things, thing to note is exactly at the rates. The Landgericht Dortmund had under case No. 2 O to deal with 250/10 with an insured person in this tariff. The insurers, the Hanseatic League Mercury Insurance, because (allegedly) missing details from the contract back came and wanted to not provide medical services. They founded the resignation with a so-called pre-contractual duty of disclosure violation.

In the request for private health insurance, not all information was given by the customers claimed the insurer and wanted to “out of the contract”. The customer objected, however, and got right now by the District Court. It was information, which he has been made to the representative. The judges deem the resignation but ineffective and now condemned the insurer to pay more than 1,700 EUR. So far, this is nothing out of the ordinary.

However, the judgment is exciting. This is about fundamental questions of duty injury, better yet to the question of how the customer in the application is to teach. The Hanse Merkur attaches the request on a new sheet, so-called “final declarations”. These are provided with the note “important for applicants /-in:”. The application itself is just above the signature panel the following mentions: before you sign this application, please read the final declarations of the / of the Antragsteller(s)/-in and of the persons to be insured on the back of this application. The general confidentiality delivery Declaration contained in this final declarations have I taken note of and agree with her. I can revoke this declaration at any time. These statements contain also information about data processing; they are important part of the contract.

The Budgetary Cost – Budget Expenditure

Sunday, July 31st, 2016

Can you really save on household expenditure? The budgetary costs are one thing that every family inevitably involved should and must. It is always a good idea to keep the budget as low as possible. And is it really possible to reduce these costs, including the costs for heating, telephone and electricity. Have you taken ever the time to add your monthly household expenses? If Yes, then you know, these sums can be as high. Certain fixed costs, such as rent, of course cannot be changed. Although you can move into a smaller apartment, in principle, the rent must be paid but definitely. Fortunately, we have more control over certain other expenses. These include for example the phone bill, as well as the costs for electricity and heating. There are many ways to reduce this type of cost. With little effort, a noticeable difference here is realistic. And this effort basically taken is always worthwhile. Where should you start? At best it is a few invoices or statements of the last few months to look at and to get to a better overview of the monthly cost. It is always cheaper to settle the budgetary cost per month. For longer periods, it will be difficult to have the required amount of money available under certain circumstances. It is the first step to facilitate cost to keep the charges and to pay regularly. The next task is to compare the available providers. It is easy to stay even long after it is no longer the cheapest provider long time with the same provider. In some cases, you can find the cheapest provider through online comparisons. There may be still other alternatives. For example, it is cheaper to call than with the landline with mobile phones under certain circumstances. Often people who use the same provider at the same rate, can call each other for free at certain times. The same is true for Calls that can be made over the Internet. Would this be a good way to stay in touch with others and save at the same time phone costs you? Compare all the options available to you, and choose the best option for your situation. As you can see, you can easily reduce running costs, if only from time to time taken will achieve these results. It pays off, if you always reviewed its spending, to make sure that you have chosen is still the best provider. Regardless of whether you cheap international calls, spend less money on heating or in other ways save money, don’t forget that it’s up to you to bring about such changes.

My Private Krankenversicherung (PKV) Is Too Expensive! PKV Worldwide

Tuesday, March 8th, 2016

How can I as a customer of a private health insurance (PKV) to reduce the contribution of health insurance? The worldwide health insurance private health insurance worldwide / private health insurance contribution (PKV) too high is your private Krankenversicherung (PKV) too expensive? What options do you have as a customer your health insurance contribution (PKV) to reduce without further risk premiums or accept performance exclusions? Usually many private health insurance companies to go out and make it more difficult for the existing customers a tariff change, which causes a reduction in costs. The most insurers request a re-examination of the health of your regular customers a rate change with the imputation of existing retirement provisions. Basically the entire health data of for private health insurance (PKV) are on one (by the billing of services, all health data are stored) and the other “new” include typically lower benefits, contained in the current tariff are. Usually only small additional services be installed (E.g. post liberation in care level III, the => according to the medical service, which is responsible for the determination of legal and private duty care (PVN), does not apply to 99%), which can cause a new health check. Through this procedure, the private insurers (PKV) basically provides that the newly developed tariffs do not disproportionate contribution development in the first years. Should the tariff conversion you want cause a risk premium in the new lower rate (except no) after completing the risk assessment, this going for you as a customer only in certain exceptions is acceptable. Basically, you should assume no risk a tariff change as existing customer.

Because the risk grows with the health insurance contribution and is generally no longer (a risk premium can be maintained by the private health insurance, even if for years taken out the cause of the risk no longer exists (ruling District Court Karlsruhe, ref. 4 O 581/08)). A risk premium in the private health insurance should be justified only if the required output is required. As existing customer must not accept this risk premium for the “new rate”, but your health insurer may require that the additional services to the existing tariff be excluded (section 204 VVG). It gives you on the one hand, a more cost-effective health insurance contribution and on the other hand, are located in an open collective work. Please note that your qualified retirement provision be credited with, but usually cheaper rate with same health insurance company include lower benefits.

A change of tariffs within a private health insurance should be always well thought out, because a return only with renewed risk assessment is possible. There are some private health insurance companies, which perform no further risk assessment in a Trifumstellung, that you should always when a new private insurance (PKV) notice, as with increasing age, the health insurance contribution will increase. As an expert for the global health fund, we provide for our customers, that compared the pros and cons and you can make your right decision. Private health insurance around the world:

© 2012-2024 Somwa.net All Rights Reserved