So, consumers find the right contract for the disability of workers and employees is much spoken. But what happens when officials, teachers or police officers due to an illness or accident can no longer exercise their service? Now officials on trial and withdrawal are bad here secured by the State. Not to get into financial difficulties, officials with an invalidity insurance to secure financially himself. What is invalidity insurance? Invalidity insurance is a special form of disability insurance (BU). It is adapted to the specific needs of civil servants, teachers, soldiers and police officers. Because here a normal BU insurance not helping out, to get the officials when an invalidity under the arms. Otherwise, the only difference is similar to the invalidity insurance with the well-known BU police: it contains the so-called Dienstunfahigkeits – or even officials clause. But there are also serious Differences in quality.
Because this clause is in turn divided into real, fake, and limited officials clause. A solid service disability insurance includes in any case the real clause, because only these jumps in adequately paid. What is the supply for civil servants in the event of service disability? How about the supply in the event of service disability with officials, depends on whether civil servants on lifetime, tryout, or revocation. Officials enjoy the full supply of officers, i.e. pension and accident pension. Officials of withdrawal however, are at a leisure accident or disease, which lead to the invalidity, dismissed and insured post in the statutory pension insurance. Here too, the general waiting time must be fulfilled by 60 months. They receive the maintenance contribution for an accident of service or the service damage according to 38 BeVG.
When officers on trial it behaves the same, except that in the service of accident and the service damage an accident pension or get a pension. How to detect consumer a good service disability insurance? Although there are not many vendors of invalidity insurance on the market, but the individual tariffs have a very different quality. The most important feature is, as mentioned briefly above, the real officials clause, which immediately provides a service disability with a disability. In addition, also the guarantee of insurance may make sense. Here, the policyholder without re-examination of health can increase the Dienstunfahigkeits pension to a particular event. These include among other things, the birth of a child or a marriage. Equally important criterion is the renunciation of the abstract reference, so that the policyholder paid can not be referred to another profession.