Securing construction financing

That actually works with a lot of physio and a standing desk. My former boss did it that way. But of course, it can also sell worse, right. Above all: if you become occupationally disabled in such a job, you basically can't work in any other job either.

Burnout is a very common cause, just like back problems. I want to see how someone can sit at a desk for 8 hours with a slipped disc

I have an electrically height-adjustable desk. So I also stand for a few hours a day. In addition, there is home office.

The most common cause of disability insurance claims is, by the way, mental illnesses such as burnout. Anyone who says that an office worker doesn't need disability insurance simply hasn't informed themselves. It makes more sense to forego accident insurance than to forego disability insurance.

The question is which professions are worth getting disability insurance for. I am a hospital controller and, for example, I could easily still do my job normally even in a wheelchair. We will discuss this.

Psyche, heart, stroke, neurological diseases such as MS, severe slipped disc or shoulder injury, accident injuries, cancer diseases ... my father, who only went to the doctor every 10 years, was granted disability insurance at 54 because of an early form of dementia... As someone who works in the administrative medical field, they should be able to think of enough things that can also cause disability insurance in the office.

Exactly right. In my opinion, disability insurance for office jobs is unnecessary.

I used to think that too. Then one spring, out of nowhere, I experienced extreme dizziness and tingling, numb, senseless, and sluggish hands. I went mountain biking on Sunday and saw the doctor on Wednesday. Concentrating at work was hardly possible due to the dizziness, and typing was a struggle.

Diagnosis: cervical spine syndrome. C4-C6 pressing on the nerves. Treatable well with physiotherapy, but it will probably stay with me for the rest of my life. After that experience, I was really glad to have taken out disability insurance in my mid-20s for what felt like an extremely high amount of money at the time. Today, the benefit would at least cover the mortgage payment.

What I have learned is that even desk workers have to calculate the risk. Disc problems or something like burnout are no joke. I am incredibly looking forward to the house. There will immediately be height-adjustable desks for my wife and me!

Psyche, heart, stroke, neurological diseases such as MS, severe herniated disc or shoulder injury, accident injuries, cancer diseases ... my father, who only went to the doctor every 10 years, became unable to work at 54 due to an early form of dementia... As someone who works in the administrative medical field, they should come up with enough reasons to become unable to work even in an office

I understand that, but the company pension plan and the statutory pension would be sufficient to service the loan with one working person. By the way, I am responsible for two neurological specialist hospitals and a neurological rehabilitation clinic. The average age of the patients is 67. But of course, there are plenty of younger ones. Not too long ago, we had an 8-year-old boy with Parkinson's.