Disability Insurance – How do you find the right provider? Helpful information on disability insurance for women. Since disability can affect anyone, you should take reasonable precautionary measures.
Disability insurance as a precaution
There are countless important insurances. With regard to disability insurance, there are a few things to consider, especially for women. If you define yourself as a housewife and therefore do not have a “real job” for most people, it gets a little more complicated. Luckily, a lot has changed in recent years, so housewives and househusbands can also benefit from insurance in the event of disability. This ensures that you receive a monthly pension even after you become unable to work. Then the performance is based on the previous job. But what do you need to look out for when you graduate? And are there some helpful tips on how you can save the cost and still get good service?
Does disability insurance make sense?
In any case, occupational disability insurance is worthwhile for employed persons, the self-employed, and young professionals. Unfortunately, many people do not see that even a person who works in the household has to be replaced at great expense in the event of an accident or illness. But the work that needs to be done needs to be done. That’s why disability insurance can make sense, even if you ‘only’ work in the household and want to protect yourself with regard to the future. This not only includes suitable insurance, but also regular preventative health checks. Ultimately, you have to check individually whether you can and want to pay for private provision in this form. However, it is usually better than state protection, which is not always sufficient.
Disability insurance costs
Unfortunately, an accident can happen quickly, leaving you absent for a certain period of time or even your whole life. To replace your “power” now, you have to dig deep into your pocket. The disadvantage is that there are only a few providers who really specialize in housewives and househusbands. You also need to factor in monthly expenses. As a rule, the contributions are between 40 and 70 euros.
If there is a loss, there is a disability pension of around 1,000 euros per month. This is not the world, but sufficient for simple work. Compared to the conventional costs, however, you will notice that you have to pay quite a lot. It is all the more important that you compare disability insurance. This is the only way to find an insurance company that offers good benefits and low prices. Accident insurance for housewives might be an option for you.
The design is important
Although many insurance companies already recognize “housewife” as a profession, the structure then looks different again. This means that not every illness is directly regarded as an occupational disability. For example, disability occurs more quickly in a household with small children, which the woman has to take care of for the most part alone, than in a woman who only performs representational duties.
As a rule, the responsible insurance company checks exactly which illnesses or limitations exist before an occupational disability is declared. Not only do medical examinations take place, but the customers also have to fill out an extensive questionnaire. For other professional groups, it is easier to find the right provider with disability insurance. Also, note useful tips on liability insurance.
From work to everyday life as a housewife
Insurance companies treat people who have taken out insurance while working and then work as a housewife differently than people who are permanently employed or have always worked as a housewife. You should pay particular attention to this aspect if you intend to become a housewife or mother in the next few years. This is particularly important when it comes to tax returns. Because depending on your professional field, you will have to face other costs and expenses.
But in addition to the tax return, you also have to pay attention to the respective providers. Because with some, you will be categorized as a housewife after the end of the maternity leave period. For others, the profession continues for up to five years after leaving. Why is this important? Depending on your occupation, you pay more or less money into the disability fund. Sometimes even cancellation is necessary. In addition, note clever tips for household insurance.
