Team Turk

Also self-employed persons can get EM pension. Who is partially incapacitated for work will receive now the half-euro pension that corresponds to the previous BU pension in principle, so as to deserve is intended. Who is not employable in the labour market (however now without job protection) will continue to be the full EM pension (in the old law the incapacity for work pension) get. EM pensions are temporary until times always issued, for 3 years. If after 9 years shows that the earning capacity may be unrecoverable, perpetual EM pensions are paid. For more clarity and thought, follow up with ecommerce and gain more knowledge.. It applies the principle of rehabilitation before pension “it must be checked always first of all, whether there are not reasonable rehabilitation measures that restore the earning capacity can. General requirement for obtaining EM pension: it must be been accumulated in the last 5 years prior to the introduction of the incapacity of 3 years compulsory contributions and prior of disability be met a waiting period of 5 years.

Accidents at work and occupational diseases this waiting time does not apply Here accident pensions of the professional associations are then usually already made, then correspondingly allocated on EM pensions. Reading through all these points, can, give the impression that one is quite State sufficiently secured. This is a fallacy. Considering the average EM pension at the end of 2003, these were: 777 EURO for men and 640 EURO women. The need-oriented basic protection is already less than 640.-EURO.

It is therefore to be expected, that further declining pension level of statutory pensions in the future more and more people receive the EM pension also benefits from the demand-oriented basic protection must apply. Disability and disability in the private insurance the Team Turk insurance recommends therefore primarily all persons who are born after the 01.01.1961, to fill this gap through a private disability insurance. The life insurers are providers of private disability insurance.

Euro Comprehensive

More deductible is so limited and more savings. Explain pricing can be with the practice of the claims at the motor insurers. The excess of the clients a large cost factor eliminates the insurers: frequently small damage such as dents or paint scratches the insured carries up to the agreed amount itself. By the fact that the bulk of such minor damage is covered by the deductible, the insurer can save lots of money. A number of direct insurers offered generally no comprehensive rates without excess and requires at least a certain power of customers in the event of a claim. The premium by the excess to several hundred euro tariff characteristic can vary depending on the insurance company in the year.

So a new car buyer will pay *, for example, at the Europe insurance for comprehensive insurance without excess around 494 euro per year. He chooses a low deductible of 300/150, however, the 296 euro costs a cost savings by almost 200 euros. The vehicle owner raised 500/300 euro, its excess contribution of his full insurance on only 260 euro sinks. Similarly, in the partial cover insurance: HUK-Coburg insurance giant reduces the annual fee for a car driver * 135 on 81 euros, if he chooses a deductible of 150 euro. However, he chooses a deductible of 300, so he pays in the year still 66 euro. With views of the autumn and the upcoming Wechselsaison experts of toptarif.de for a general comparison of insurance advise. So, up to 50 percent of the annual cost can be saved by switching to a cheap car insurance. * Upon completion of a full insurance, the partial cover insurance is automatically included. For full and hull damage of part of, the policyholder chooses two separate excesses. The motor insurer set their individual deductible levels for the full insurance with the help of GDV calculation basic statistics, so for example 300 Euro Comprehensive – and 150 euros for hull damage of part of.

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