Disability insurance – pension for disability may submit any contribution it at any time meet that he is prevented by an accident or a disease on the longer or outright exercising of his profession. The legal protection is more than lean and occurs only for disability. In other words, only when no other work over longer time may be exercised, there is a disability pension for this purpose. That is extremely low. Therefore, the private disability insurance is a very important safeguard. What should the Treaty contain? Also really entering the desired protection in case of illness, consider disability insurance on several clauses. The exercised professional contract should be necessarily, also no reference to other activities should be somehow allows, the insurance cover should occur when you are no longer able to work at least 6 months according to the medical evidence. Also should the insurance on a test because of a Change of activity in the last 1 to 3 years without. A delayed message should up to 3 years to be paid, and the insurance may have no way to take because of illness of the insured person knew nothing of the contract. These are just some of the points that you should absolutely look at. Otherwise, it can happen to you that a cheap-looking insurance offers no or only inadequate protection at the end. In the worst case you have paid all your bonuses for free. It is therefore advisable rather twice more than once to little to read the contract with all small print clauses. In case of doubt you can consult an expert or the Stiftung Warentest, so again on the Treaty is seen. Disability insurance use because the jungle which many insurance providers is hardly transparent, absolutely use the disability insurance comparison comparison. Here, competent testers have already listed the best insurer. You can with the corresponding Insurance Calculator even non-binding get, how much insurance companies are the costs and benefits. Such comparisons can be found in the Internet. There is also the test results of trade organizations like Stiftung Warentest for the individual insurance. The disability insurance is too important to pass up. In the event of an emergency, the waiver may mean the social decline.