They define in their tariff conditions (in section 2) what they understand by occupational disability. Disability is that which is defined in the General conditions as a disability in the private insurance company so easy. As causes are always sickness, injury and Krafteverfall and because of this can no longer be exercised his profession. While the definitions in part differ enormously, E.g. with regard to the duration that you expected to no longer can practice the profession. This varies from 6 months for 3 years to return to permanent. What reads as a definition? Here are two examples to illustrate this: full occupational disability exists if the insured person as a result of illness, injury or Krafteverfalls which are medically prove, is expected to at least 6 months is unable, their insured profession, just as he was designed without prejudice to health, exercise.

“Or: disability exists if the insured person as a result of illness, injury or Krafteverfalls, which are medically prove, is expected to keep at least 50% unable, was their last exercised professional like him without prejudice to health designed to exercise.” The durability is not yet certain to evaluate, then it is sufficient if the steady state is expected to at least six months from the date of the forecast is given. “A period of 6 months is to assess, as many occupational disabilities are not really durable as very positive. In many diseases or accidents is possible after a rehabilitation reintegration into the profession after 1 to 2 years. To get a forecast period of 6 months is defined, for this short Duration agreed that BU pension. By the way: you can change the profession, then it is usually the new insured professional. Whether this is true but safely so, should you necessarily ask for prior to the conclusion and show up, where and how this is included and described in the terms and conditions. Johannes Turk