The mental balance device across through all walks of life, with more and more people in Germany from the joints. Disability insurance can cover this financially mentally ill. The wall of silence breaks down slowly in the German professional sports. Just one prominent example is the case of Ralf Rangnick. Until not too long ago, mental illness still considered social taboo. But now reveal themselves increasingly move out so far hermetically sealed social groups that accepted no insight into the life of the soul out of incorrectly understood pride and sanctioned defectors ultimately with reputation – and job loss.
Athletes are merely the celebrities proverbial tip of the iceberg. Burnout and other mental ailments have become in a society fixated increasingly on performance a widespread disease, which spread increasingly to the professional life. According to calculations of the AOK, currently around 100,000 German citizens because of burnout syndrome are written sick. One draws the entire spectrum of mental illness, raises the power of the issue. Thus, professional psychic-related absenteeism between 1999 and 2010 to more than 80% are increased. It is striking that the average length of the failure by workers with mental health problems is now more than twice as high as that of workers with physical problems. But it remains not more frequently when a temporary illness. In the worst case, the person concerned is no longer able to pursue his previously exercised professional – it is the complete and permanent disability.
Therefore a disability insurance for professionals, and in particular those on higher skills and wage levels is today more important than ever, to be at least financially secure despite the mental suffering. Because the statutory pension scheme since early 2001 in the form of partial disability in disability protects only professionals who were born prior to January 3, 1961. All Nachgeborenen received, however, only a disability pension, which is not sufficient to financial security. In addition, this applies only if the person concerned is the labour market due to his illness no longer available. With a disability, however, the State Pension Fund fails, because the ill can be used for each activity (low”), that he is able. Elemental is the early protection against occupational disability. Who buys not already at a young age and at the same time benefited from low contributions, risking massive charges, benefit cuts or even the refusal of admission into a disability insurance as soon as the first symptoms or pre-existing conditions have been detected and then there is the desire to such insurance.