You should know that before you take out insurance, who is looking for a disability insurance policy, which asks in particular: what cost me the protection? However, much more important than a low-priced range is a policy which offers good conditions of insurance and located in an emergency with a note on the fine print can talk out. Therefore you should answer to the following questions (let) who does actually need disability insurance? Everyone should complete a disability insurance, which lives on his wages, since the own labour is an assets value. At 1,500 euros net salary per month is your workforce in 35 years (without salary increases) worth around 630,000 euros and very honest: you wouldn’t but already with a 10,000 euro car driving uninsured by the area – or? How high should the pension be? Of course this is also after the budget that is available for the disability insurance available. To close the pension should be but not sufficient: you can keep the pension your standard of living, if you have no more income. As a guideline, you should assume that you need approximately 80% of your current income if you are berufsunfahig. Absent statutory or other claims (such as from an occupational pension) must be secured with this 80% with private disability insurance.
How much disability insurance? Depends on the amount of the premium above all by four factors: age at commencement, the occupation, the amount of the pension and the term of the contract. In particular the basic rule is: who is young, who pays less. Pay about 36 euros who completes over 1,000 euros as today 30 years disability insurance, which runs up to 65th birthday, a month at a good provider. Who enters into an agreement 10 years later starts with the same insurer with a monthly fee of 48 euro and which thus pays 10 full thus protecting almost exactly as much as the 30-year, Get insurance years almost for free.