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Mahdi Barzkar
Owner and insurance broker authorised under section 34d(1) of the German Trade Regulation Act · Register number D-H3YB-K7WLO-18.
Pensions & protection
Disability cover calculator: how much occupational disability pension?
If you can no longer work, your income stops. The calculator shows a reasonable level for an occupational disability pension (Berufsunfähigkeitsrente, BU).
Result
- Income to be covered
- Recommended additional disability pension
- Per year
The results are non-binding estimates for guidance only and do not replace tax, legal or investment advice. What counts are your payslip, your tax assessment (Steuerbescheid) and the terms of your contracts.
How it is calculated
What needs covering is the chosen share of your net income, minus any existing benefits. Health and long-term care insurance and, where applicable, taxes are later deducted from an occupational disability pension.
The statutory reduced earning capacity pension (Erwerbsminderungsrente) is usually considerably lower than your income and is not linked to your occupation.
Frequently asked questions
What affects the premium?
Occupation, age at entry, state of health, pension amount and term. Health questions should be answered fully and carefully.
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Next step
Put your topic into context with us.
Send a short request without health or contract details. We will contact you to agree on the next step.