Disability: Why private provision is essential

Disability: Why private provision is essential

The reasons for a professional break are diverse and can meet everyone. Disease is a serious topic that affects many of us, be it due to cancer, psychological stress such as burnout or physical complaints such as back problems. For many, this challenge becomes a bitter reality if they have to give up their professional activity before the age limit of 65.

statistics show that an average of around every fifth employed person becomes unable to work before the statutory retirement due to health problems. This is a questionable number that underlines the need for preventive measures and a better understanding of the psychological and physical stress at work.

risks of the dependence on state support

A widespread misunderstanding is that you can rely on government support in the event of disability. But that is often a fallacy. The state disability or disability pension is often not sufficient to maintain the standard of living. This is particularly alarming for those who have not taken any additional private pension measures.

Reality often looks like that those affected are financial difficulties after loss of their income. It is therefore essential to think early about the topic of occupational disability and take appropriate precautions.

The effects of disability are not only financial in nature, but also affect social life and psychological well -being. A sudden loss of professional identity can lead to a feeling of isolation and depression. It is therefore important to get to know your own risks and get support if necessary.

In a time when stress and mental illnesses increase, employees and employers should work together towards a healthy work environment. This also includes open communication about health issues and the possibilities of support in the event of illness.

For further information on the topics of occupational disability and suitable preventive options, interested readers could fall back on various advice and programs from health insurance companies or private insurers. Referring to prevention and enlightenment can be the key to better deal with the challenges that go hand in hand with diseases and the associated professional break.