PRIVATE CLIENTS · MUST-HAVE
Occupational disability cover is the most important protection an employee can have, and one of the most frequently got wrong.
Free first consultation →The problem
One in four working people leaves their job before reaching retirement age. Illness, accident, mental exhaustion: the causes vary widely. The state reduced-earning-capacity pension averages €800 to €1,000 a month. That is not enough to maintain your usual standard of living. Anyone who assumes state benefits will cover it badly underestimates the gap.
Worked example
A worked example. The state reduced-earning-capacity pension averages around €800 to €1,000 a month, and only if you qualify at all.
Our solution
As independent advisers we work out what you actually need, with no conflict of interest. We compare the policy wordings available on the market and find the cover that fits your occupation, your medical history and your budget. In particular we check your occupational class and any abstract referral clause, two critical details that decide how good a policy really is.
Book an appointment →The hard facts
25%
One in four working people becomes unable to work before reaching retirement age.
€800–1,000
That is the average paid by the state reduced-earning-capacity pension. Per month.
37%
The most common cause: mental illness. Not accidents. Not age. Stress.
47 years
That is the average age at which people become unable to work: mid-career, not shortly before retirement.
Worth knowing
Take out cover at 25 and you often pay less than half what it costs at 40. Every year without cover is money lost.
Marriage, a child, a pay rise: with the right policy you can increase your cover without a further medical.
Cheap policies can point you towards a different occupation instead of paying out. We make sure yours rules that out, so it actually pays when it matters.
Many employers contribute towards their staff's disability cover. We check whether you qualify and help you secure the largest possible contribution.
37+ years
in the market
100%
independent advice
DEWE
Certified partner of Deutscher Wertschutz e.V.
Make use of the tax advantage
Many employees can arrange disability cover through their employer, paid out of gross salary by salary sacrifice. While you are paying in, that saves tax and social security contributions, and since 2022 your employer has had to add at least 15% on top. Your net outlay can fall noticeably as a result.
up to
~30%
lower outlay from tax & social security saved while paying in (depending on your tax rate)
at least
15%
statutory employer top-up on salary sacrifice
often simplified
medical underwriting under group policies
Worth knowing
A disability pension from a workplace arrangement is fully taxable later on, and the cover is not automatically guaranteed if you change employer. Whether workplace or private cover works out better for you depends on your situation, and that is exactly what we work through together.
The first consultation is free. We review the cover you have and show you what is possible.
Book an appointment →