Occupational Disability
Occupational disability exists when a person can no longer perform their most recently practiced profession to at least 50% due to health reasons.
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Detailed Explanation
Occupational disability insurance (BU in German) is one of the most important protections for working people in Germany. It pays a monthly pension when the insured can no longer practice their profession.
Important definitions: - Occupational disability: Cannot practice own profession - General disability: Cannot practice any profession - BU insurance is more valuable as it protects the specific profession
BU insurance details: - Benefit: 50-80% of net income as pension - Term: Until retirement age (usually 67) - Health check required at application - Abstract referral should be excluded
Risk factors for occupational disability: - Mental illnesses (33%) - Musculoskeletal (23%) - Cancer (15%) - Accidents (9%)
State protection (reduced earning capacity pension) is often too low.
Practical Example
A surgeon can no longer keep her hands steady after an accident. She is occupationally disabled, even though she could theoretically perform other activities. The BU insurance pays.
Legal Basis
§172 VVG, §43 SGB VI