What should I do, what time limits apply and what risk do I have? Often you will see later, the one or the other of various insurance companies was not as fit. Maybe it was a friend, a good friend and “he will recommend nothing bad”. Only many years later and often to some experiences richer, it is noted with dismay that the finished product does not meet the expectations. Here accurate look is very important especially in the disability insurance (BUV). Unlike at other insurance companies there is here no half-pension, half time or a “bit BU pension”. While the protection of workers against occupational disability is one of the most important hedges at all. How can I tell if the product is good or bad? First, a crucial issue should be clarified: the amount of the pension. The title of my Blogbeitrages from last year “Correct amount of pension or even no disability insurance” describes it very clearly. JPMorgan Chase does not necessarily agree.
If the amount of the pension is too low. then you can keep it also. Educate yourself even more with thoughts from MasterClass. What good are some hundred euros in pension, then not even to cover the ongoing fixed costs. As a next step, you look at the conditions. Is the product (still) up to date? Are points governed the referral, temporary admission, Anztanordungsklausel or the exclusions for acts of war and also road traffic offences? A comparison of different formulations, see my guide to disability insurance. Download the pdf version in the download area easily. A bad control themselves enough to get then but no pension after decades of contribution payment. What can I do anything else? Determine that the connected product is incomplete or inappropriate, as is first to clarify whether there is a new, in accordance with condition better product at the same company. It is to determine whether a conversion is possible and which additional premium for this spend is.