Which of you has disability insurance?

A bit more substance on that? Private retirement provision currently tends to have rather disappointing returns... whether I combine it with disability insurance or not The conditions of the disability insurance were good in comparison.

Why not just the BU then? If you no longer want one of the two, you have to suspend both. [Darf] is the main reason.

I will check that. Thanks for the tip!

I have neither.

For me, there was initially only liability insurance and since a few months also legal protection.

However, in my pension scheme, 100% disability insurance is (by chance) also covered. At 50% there is nothing...

I feel good about it!

For me as a self-employed person, disability insurance is by far the most important insurance. Unfortunately, it is also (besides health insurance) the most expensive >200 EUR per month for coverage of the ridiculous ~2000 EUR per month. This is due to pre-existing conditions. Additionally, benefits are excluded for me, e.g. back problems due to a herniated disc. Conclusion: Disability insurance should definitely be taken out in young & healthy years (dynamics)! If I had done that, it would be significantly cheaper today with more benefits!

Hello,

I have an old pure BU as the main earner. I receive an adjustment proposal every year