What is a work incapacity insurance?


42% — 50%

Rejec­tion quo­ta of the sta­te work inca­pa­ci­ty insuran­ce [1]

The public work inca­pa­ci­ty insuran­ce exists in Ger­ma­ny sin­ce 2001. It pays employees and tho­se who pay into the public pen­si­on insuran­ce a pen­si­on when their capa­ci­ty to work has been redu­ced becau­se of their health.

The basic requi­re­ment is that the per­son can only work for less than six hours on a dai­ly basis for any fore­see­ab­le future at any kind of occupa­ti­on.

The­re are addi­tio­nal con­di­ti­ons and espe­ci­al­ly get­ting the full pen­si­on is very dif­fi­cult (see info­box). Fur­ther­mo­re, the pen­si­on is often insuf­fi­ci­ent to main­tain the stan­dard of living, sin­ce it usual­ly is about 30 — 40% of the gross inco­me.

The pri­va­te work inca­pa­ci­ty insuran­ce aims to increa­se the sta­te pen­si­on. It is an addi­tio­nal buil­ding block for the loss of inco­me. For most peop­le, 30% of their sala­ry is not enough to main­tain their cur­rent stan­dard of living.

Self-employ­ed peop­le and free­lan­cers are usual­ly not cove­r­ed by the public work inca­pa­ci­ty insuran­ce and often use the pri­va­te ver­si­on as basic pro­tec­tion.

What are the benefits of a work incapacity insurance?

Simi­lar to the public work inca­pa­ci­ty insuran­ce, the pri­va­te coun­ter­part also pays a mon­th­ly pen­si­on. The amount that is paid is deter­mi­ned by you, which natu­ral­ly deter­mi­nes your pre­mi­ums.

The main con­di­ti­on for recei­ving the pen­si­on, is that due to health rea­sons, you are not able to work a pre-deter­mi­ned num­ber of hours per day. Usual­ly it is bet­ween three and six hours per day.

Howe­ver, it does not mat­ter that you can­not work in your pro­fes­si­on, you don’t have to be able to work in any pro­fes­si­on.

The pri­va­te work inca­pa­ci­ty insuran­ce comes in three varia­ti­ons:

  • As an inde­pen­dent insuran­ce,
  • as a sup­ple­men­ta­ry insuran­ce for life insuran­ces or
  • as sup­ple­men­ta­ry insuran­ce for life annui­ty or annui­ty insuran­ce.


385€ / 711€

Average partial/full mon­th­ly pen­si­on by the public work inca­pa­ci­ty insuran­ce [1]

Who should get a work incapacity insurance?


44 years

Average age when being dia­gno­sed with a work inca­pa­ci­ty or occupa­tio­nal disa­bi­li­ty [2]

The pri­va­te work inca­pa­ci­ty insuran­ce and the occupa­tio­nal disa­bi­li­ty insuran­ce ulti­mate­ly have the same goal: enab­ling you to keep your stan­dard of living if you can­not work any­mo­re.

The work inca­pa­ci­ty insuran­ce is her­e­by often regar­ded as the smal­ler ver­si­on of the occupa­tio­nal disa­bi­li­ty insuran­ce. The bene­fits are smal­ler but it also costs signi­fi­cant­ly less.

The­re­fo­re, it is a very inte­res­ting opti­on for peop­le who can­not get an occupa­tio­nal disa­bi­li­ty insuran­ce.

Addi­tio­nal­ly, it is very attrac­tive for self-employ­ed peop­le and free­lan­cers. That is due to the fact that they are usual­ly not cove­r­ed by the public work inca­pa­ci­ty insuran­ce.

Moreo­ver, peop­le who are employ­ed in so cal­led “risk jobs” often turn to the pri­va­te work inca­pa­ci­ty insuran­ce. Many times, it is their only opti­on to ensu­re that they recei­ve an addi­tio­nal pen­si­on if they can­not work any­mo­re.  

Every employee should have an insuran­ce in case he or she can­not work any­mo­re. The pri­va­te work inca­pa­ci­ty insuran­ce rep­res­ents the mini­mum safe­ty net and is high­ly recom­men­ded you can­not get the occupa­tio­nal disa­bi­li­ty insuran­ce.

Questions? We have answers.

The work inca­pa­ci­ty insuran­ce as the mini­mum safe­ty net.

We will get back to you wit­hin 24 hours — wit­hout any com­mit­ment from you and in your pre­fer­red way.