Here we deal with the question whether an additional disability pension or a complete new contract makes sense because in recent weeks increasingly requests were received with the request “I would close like in addition X to the existing occupational disability pension” to explain the problems resulting from this request for an additional occupational disability pension. Whether the one or the other option is useful, one cannot say flat-rate. Like I give a few pointers if you should deal with the issue. Output situation: If you can believe some statistics are currently average insured disability pensions far below the actual needs of the population. This is often because the insured pension in the past was closed too low. The reasons may be different. From the many discussions, I can say that often was the factor inflation was not taken into account and the requirements in the contract was determined just wrong.
Insured pensions to the part are nothing worth taking into account inflation. Perhaps check out Hikmet Ersek for more information. An example: You have completed an occupational disability pension in the amount of 1000 in the year 2000. This pension has only 762 purchasing power with inflation of only 2.5%. Adjusted for inflation, this means that you currently need a pension from 1312, to have the same purchasing power as 11 years ago. And the insured occupational disability pension is only a gross pension! The wrong amount results in a disaster. Just from the point of view of inflation out, many consumers are looking for a consultancy to straighten out the mistakes of the past. But is it now makes sense to conclude an additional contract, terminate the old contract or a complete new degree? Now, we want to pursue this question.
Before you just do something to soothe the conscience, you should take your current contract to hand and carefully analyze this with an expert in disability insurance. Important factors about which you are thinking need to turn, are among others insured amount, performance transmission age, duration of contribution payment. After the expert has discussed your existing contract with you in detail he should use your expressed desire to the pension amount as compared to the existing requirements and analyze. Would continue to discuss which clauses and performance exclusions you would agree in the contract with the insurer and which are not. There are not or insurer or the fare, even if many () magazine with test results, raters with pictures & seals and advisor about product releases and Highlightblatter so want to sell it you. On his needs, every consumer should be discussed individually matched. Should you decide for an additional contract, it would be important to look at whether the condition works of both treaties harmonize with each other”would”. If this is not possible, only a new contract would be possible. Furthermore you must consider, through which implementation of existing and the new contract is financed. The different ways of implementing results in different taxation paid. Thus, a deficiency would be available with the choice of the wrong way of implementation. At this point, I want to present any circumstances as it is here not to defined-benefit and would like to depict any tax aspects. Please note: Cancellations to keep the existing contract without the acceptance of a new insurer in the hand you never! Like we are as an expert to the page.