Which of you has disability insurance?

We are here in the house building forum, so I assume that you are building a house, have built one, or intend to do so. To claim that because one managed as a student with little money and therefore can still get by with little money I consider negligent.

I cannot fully agree with that. Perhaps it can also be called adapting to circumstances. It was/is similar for us. When my wife went through the second-chance education route to get her high school diploma and then studied, I was virtually the sole breadwinner. Currently, it is the other way around due to my illness. Nevertheless, we will try to realize our dream.

Well, at the size you are planning, it can hardly be called a close call – you will hardly be able to handle the thing on a student salary.

Well, with the size you’re planning, it can hardly be called a tight budget – you’ll hardly be able to afford the thing on a student salary.

well, with 1x "living frugally" and 1x working, you can still afford the house. as long as one works and the other receives some kind of pension, we can easily afford our house. I plan well and have the finances perfectly under control. we live with house + living expenses (food, clothes, etc.) + additional costs (everything! including phone, internet, taxes, etc.) on 2000€ per month all inclusive. only the cars are extra.

as I said, everyone has to decide that for themselves. and unlike the advocates here, I don't think you’re stupid and am not trying to dissuade you. for us, it simply isn’t worth it.

How do you come to the conclusion that the pension from a private disability insurance is offset against the state disability pension?! That’s not correct. You might have to pay taxes because your total income is above the exemption limit, but that’s true for everyone else as well.

of course it is offset. you don’t seriously believe that you’ll get 2000 euros BU pension from the insurer and then additionally the state disability pension???? it is possible that the state disability pension is canceled because you receive enough money yourself.

of course it is offset. You don’t seriously believe that you will get 2000 euros gross pension from the insurance and additionally the state disability pension ???? It can of course be that the state disability pension is canceled since you yourself receive enough money.

Do you have a source for that?

As I said, everyone has to decide that for themselves. And unlike the supporters here, I don’t think you’re stupid and I’m not trying to talk you out of it. For us, it just isn’t worth it.

I certainly don’t want to persuade you of anything and I don’t think you’re "stupid" either. You just obviously haven’t dealt with the subject, but still present it here as a "thoughtful" decision based on a solid foundation. You will have to concede that I point out mistakes – what conclusions you draw from that is entirely up to you.

Of course that is offset. You don’t seriously believe that you get 2000 euros gross pension from the insurance and still additionally the state disability pension???? It can of course be that the state disability pension is canceled because you yourself get enough money.

What can I say? It is irrelevant what I believe, it is just like that – verifiable by everyone. Why shouldn’t it be? You also don’t have your regular retirement pension reduced because you win the lottery or inherit. Likewise, there is unemployment benefit 1 even if you have possibly received a severance payment, and the long-term care insurance does not pay less just because there is additionally money from a long-term care daily allowance insurance. Who would still take out private coverage if the statutory insurances offset everything anyway?

...we live with house + living expenses (food, clothes, etc.) + additional costs (everything! also mobile, internet, taxes, etc...) on 2000€ per month all inclusive. Only the cars are extra....

Sorry - but I can't imagine that. Please break down the 2000€ further. It seems to me that I am doing something wrong.