By the inability to work one understands a medically confirmed, continuing impairment of the practise of the profession by illness, accident or disablement.

With inability to work one cannot implement its exercised occupation any longer. The criteria of the inability to work are more closely calm than those the disability. With a disability the concerning can follow still further to another employer-employee relationship, which corresponds to its physical and mental constitution.

Against the inability to work one can insure oneself. The accident is present generally with at least 50 per cent of inability to work. With the private security automatically also the disability is insured the inability to work over an insurance contract.

In the sense of the legal old age pension insurance Versicherte, whose earning power because of illness or handicap on less than half that from physical, mentally and mentally recovers insured with similar training and equivalent knowledge and abilities sank, is unable-to-work. The circle of the activities, by which the earning power from insured one is to be judged to, covers all activities, which can correspond to its forces and abilities and be zugemutet to them with consideration of the duration and the range of its training as well as its past occupation and the special requirements of its past professional activity. Reasonable an activity is always, the insured ones by achievements for vocational rehablitation, for those, (starting from 1 July 2001: Achievements trained retrained as the sharing at the working life) with success or are. Is not unable-to-work, who can exercise a reasonable activity vollschichtig; is not the respective job market situation to consider ("§ 43 exp. 2 of the sixth book of the social legislation - SGB VI ith D. F. until 31 December 2000). Since 1 January 2001 there is the inability to work in the legal old age pension insurance only in form of the partial acquisition reduction with inability to work in accordance with "§ 240 SGB VI.

The entrance of the inability to work is usually determined by a medical appraisal.

One can make the security in form of an inability to work insurance with different possibilities:

• as independent insurance
• as risk insurance with inclusion of an inability to work additional insurance (BUZ)
• as principal or old age pension insurance with inclusion of a BUZ
• as basis pension with inclusion of a BUZ
• in combination with a share or a pension fund

See also

• Decreased earning power

Related links

• commercial side removes
• Pensions because of decreased earning power and inability to work

Articles in category "Inability to work"

We found here 2 articles.

Related Websites

We found here 5 related websites.

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