Protect Your Earning Power.
Calculate your coverage gap in case of disability. Don't underestimate the risk.
Note: The "full disability pension" is only available if you can work less than 3 hours per day – in any profession (referral!). Those who can still work as a doorman often receive nothing. A private disability insurance usually pays from 50% occupational disability in your current job.
Why Disability Insurance Is So Important
About every fourth employee in Germany becomes unable to work before retirement age. State disability pensions are often insufficient to maintain your standard of living. A private disability insurance (BU) closes this gap.
The Referral Problem
The state pension for reduced earning capacity only pays if you can work less than 3 hours per day - in any job. If you could theoretically work as a doorman, you might receive nothing.
The Financial Gap
Full state disability pension typically amounts to about one-third of your last gross salary. The difference to your current net income is your coverage gap.
When Should You Get Disability Insurance?
The younger and healthier you are when applying, the lower the premiums. Pre-existing conditions can lead to exclusions or surcharges. Ideally, take out BU insurance at the start of your career.
More Helpful Calculators & Guides
Sources & References (2025)
All calculations are based on the official legal provisions for 2025. Despite careful research, no guarantee is given for correctness. This calculator does not replace professional tax advice.