Protect Din Earning Power.
Beräkna your coverage gap in case of disability. Don't underestimate the risk.
Varför Arbetsoförmågeförsäkring Är So Important
About every fourth employee in Tyskland 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.
Den Referral Problem
Den 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.
Den Financial Lucka
Full state disability pension typically amounts to about one-third of your last gross salary. Den difference to your current net income is your coverage gap.
När Should You Get Arbetsoförmågeförsäkring?
Den 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.
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Sources & References (2026)
All calculations are based on the official legal provisions for 2026. Despite careful research, no guarantee is given for correctness. This calculator does not replace professional tax advice.