Disability insurance for nurses
The private occupational disability insurance (BU) provides nurses and nurses with indispensable protection against their high occupational disability risk. Although the contributions are higher compared to some other professional groups. With a few simple measures, the costs can still be limited.
Disability risk among nurses
Occupational disability insurance is particularly important for nurses and nurses. On the one hand, they are exposed to a heavy physical strain in their profession, for example, because they provide shifts day and night, lift and wash sick patients, or assist in operations for hours. Mental stress is also enormous for this profession. Caregivers face daily hardships, need to be constantly on the alert for emergencies and have a great deal of medical and moral responsibility for their patients.
Thus, they are very vulnerable to those health problems that are the two most common causes of disability according to a recent study of the analysis house morning & morning: Every third to fourth case of disability in Germany is triggered by mental health problems and diseases of the nervous system. More than one in five sufferers become disabled by a disease of the skeletal and musculoskeletal system .
That nursing occupations are particularly at risk, also shows a statistic of the analysis service Map-Report. Thus, nearly four in ten nurses become disabled before retirement age . For this reason, most occupational disability insurance groups caregivers into a very high risk group.
Cost of a BU for nurses
Although nurses earn considerably less than doctors, their private disability insurance contributions can be double to three times higher than average premiums. Reason is that they are classified by most insurance companies in a higher-risk group. Nevertheless, or precisely for that reason, members of this professional group should not renounce private provision . The danger of being affected by disability during their lifetime is very high for them. Without the appropriate insurance coverage, the financial consequences of occupational disability can become intolerable.
Occupational disability insurance costs can be reduced by two basic measures that have no negative impact on benefits. First, the tariffs of each provider should be compared exactly . Some companies classify nurses into a slightly lower risk group , which lowers the premiums. To find the cheapest provider, you should be informed by means of tariff calculator, consumer testing and individual advice from insurance experts.
Another way to keep costs down is to have a BU policy early. The younger insured persons who enter a disability insurance scheme, the less often they have previous illnesses and the lower their contributions. At the same time, they are in principle longer protected against occupational disability, which is particularly important for the profession of nurse or nurse.
BU services for nurses
The private occupational disability insurance benefits are significantly higher for nurses than the statutory pension insurance . In fact, the state does not pay for occupational disability, but only for reduced earning capacity or disability . This means for a disabled nurse with back problems that she can only count on the support of the insurance company if she can not work in any profession at all. If, for example, she is still able to work full-time as a telephone operator or a driver, Deutsche Rentenversicherung pays nothing.
Only if she is not able to work for more than three or six hours, the nurse can expect a pension for reduced earning capacity. However, this is usually no more than 15 to 30 percent of the last gross salary . Since this is relatively low, especially among younger nurses and nurses, the financial supply gap in occupational disability is great. In particular, a family can not be fed. Newcomers also have another problem: they are only entitled to a disability pension if they have paid into the statutory pension insurance for at least five years .
Nurses should therefore necessarily provide with a disability insurance. In a private policy, they can arrange with the insurance company an individual monthly BU pension that meets their financial needs. In doing so, they may supplement the benefits granted by the State, as appropriate.
The occupational disability insurance pays the nurse and nurse the BU pension already if they can work their job for expected six months only to 50 percent or less. Unlike the statutory pension insurance, the private occupational disability insurance insures the concrete occupation of the nurse or the nurse. This means that insured persons are generally not required to do any activity other than the one they have learned.
What Nurses and Nurses Need to Pay Attention
Nursing insurance for nurses can include both favorable and unfavorable terms of insurance. Very meaningful is a so-called infection clause . If it is part of the contract, this means an extended benefit for the insured person: the insurance company then pays a disability pension if he is still able to work but poses a risk of infection for patients. It must be a ban on official activity, which is imposed for at least six months .
On the other hand, nursing staff should distance themselves from providers who do not give up the abstract reference. If the insurance contract contains a reference clause , the company may refuse performance if the insured person is still able to pursue another, reasonable job. In such a disability insurance, similar to the statutory pension fund, the specific nursing profession is not protected.
Nurses should continue to make sure that the duration of the contract and benefits are sufficiently long . Although short terms have a cost-reducing effect on the contributions. However, insurance coverage and pension payments should exist at least until the age of 65, or even up to the age of 67, in order to avoid a pension gap before the retirement age.
Also with the obligatory health examination caution is necessary. Because of their expertise, nurses and nurses know exactly what long-term effects certain pre-existing conditions may have. The occupational disability insurance health questions should, however, necessarily answer them truthfully , even if risk premiums or exclusions of benefits threaten.
Otherwise, the insurer has the right to terminate the contract retroactively due to breach of duty. In such a case, he also makes an entry in the information and information system of the insurance industry . This not only leads to the loss of the current insurance coverage. In all likelihood no other company will ever again offer the person concerned an occupational disability insurance.