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Disability insurance briefly explained

Especially at the beginning of a civil service career, state insurance in the event of incapacity for work is usually not sufficient to maintain the usual standard of living.

  • Allianz Occupational and Service Disability Insurance offers you financial protection in the event of general or occupational disability in the form of a monthly pension to reduce your coverage gap. What's more, you no longer have to pay premiums.
  • We offer you a genuine DU clause, which means that when determining incapacity for work, we follow the employer's decision and do not conduct our own assessment of incapacity for work.
  • With Allianz occupational and service disability insurance, the changing insurance needs of civil servants can be taken into account depending on their life situation in order to ensure appropriate protection.

This is why disability insurance is useful for civil servants

If a civil servant with permanent tenure is no longer able to perform his or her duties for an extended period of time due to his or her physical condition or for health reasons, the employer may place him or her into early retirement due to incapacity for work.

If the civil servant status is different, he or she can also terminate the civil service relationship. This can lead to financial problems, especially for young civil servants at the beginning of their careers, as they have only low statutory pension entitlements. These entitlements also build up slowly. For example, civil servants with lifelong tenure who are generally unfit for work are generally only entitled to a pension from their employer after five years. The amount of the pension increases with the number of years of service and is often not enough to live on for younger civil servants. Anyone who wants to have long-term financial security for their livelihood in the event of unfit for work should therefore take out private workforce protection insurance early on .

Incapacity for work can affect every civil servant

Even seemingly safe office jobs carry risks, as factors such as lack of exercise, one-sided strain from prolonged sitting and stress can lead to illnesses.For teachers, for example, mental illnesses such as are. In particular, factors such as constant noise, demanding students and pressure from parents can have a negative impact on their health.