PRIVATE CLIENTS · MUST-HAVE
If illness drags on, your employer stops paying after six weeks, and statutory sick pay is a good deal lower. To keep your standard of living, you close the gap with private daily sickness benefit.
Free first consultation →The problem
After six weeks your employer stops paying. From day 43 the state health fund pays sick pay only, considerably less than your usual take-home pay. Self-employed people without an optional tariff have no income at all from the very first day. The longer the illness lasts, the wider the financial gap becomes.
Our solution
As independent advisers we shape your daily sickness cover to fit: a daily rate you choose, matched to your net income and employment status, and cover that continues beyond the 72 weeks the state fund pays. Your income stays steady even if the illness lasts longer.
Book an appointment →The hard facts
6 weeks
Employees normally get only six weeks of continued pay from their employer. After that the state health fund's sick pay takes over, often with a marked drop in income.
Up to 30% less income
Once continued pay ends, statutory sick pay can fall well below your previous take-home pay. Daily sickness benefit insurance can close that gap.
Statutory cover for a maximum of 18 months
Sick pay runs to the 78th week of certified illness at most. After that even this basic protection stops. What then?
From day 43
The health fund only steps in on day 43. Continued pay ends after six weeks, and sick pay is considerably lower.
Worth knowing
Once continued pay ends, income is often noticeably lower than the salary you are used to.
Rent, loans, insurance and other regular outgoings do not pause just because you are ill.
Without adequate cover, a longer illness can quickly cause a serious loss of income.
If your income rises or your circumstances change, the daily rate should be adjusted too.
37+ years
in the market
100%
independent advice
DEWE
Certified partner of Deutscher Wertschutz e.V.
CLOSING THE GAP
Private daily sickness benefit makes up the income you lose once statutory continued pay ends, at a daily rate matched to your own gap.
Worth knowing
You choose the daily rate so that it covers your actual gap, and we work that out with you.
The first consultation is free. In person, by phone or by video.
Book an appointment →