Office of federal employee group life insurance - office employee insurance

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Sitting for hours, staring at the screen and working under time pressure to do a task that your boss gave you just before the long-awaited end of the day. office of federal employee group life insurance What does your everyday work look like? The office job also harbors underestimated health risks such as stress and little exercise. You can find out more about occupational risks and whether disability insurance is worthwhile for you as an office worker in this article.

You have to know that:

Disability as an office worker is often underestimated because of the seemingly low occupational risk - but you should protect yourself in this case - especially easy with Getsurance Job.

how to get an office at work However, too much stress and desk work pose a major health risk in an office job. Mental illnesses are therefore also the main cause of occupational disability.

Strong deadline and performance pressure or multitasking can overwhelm many. Disability insurance protects you in the event of an accident.

Occupational risk office job

how do i contact employment insurance Around 18 million people work in offices in Germany, which is more than 40% of all employees. Are you one of them too and spend most of your day sitting at your desk looking at a screen? It's probably clear to you for a long time: This is more than unhealthy, because the body needs exercise. According to the German Heart Foundation, at least 30 minutes a day. Hats off if you're one of the few who make it to the gym after a long day at work. The widespread lack of exercise with a desk job causes a wide variety of health problems, with back problems being the top priority. Maybe some of it sounds familiar to you: back, neck and headaches as well as exhaustion and tiredness. According to a study by the Federal Institute for Occupational Safety and Health (BAuA), around 64% of women and 40% of men complain about pain in the neck and shoulder area. Added to this is the screen work, which often causes eye pain after a few hours of concentrated work.

Reasons for incapacity in an office job

In Germany, office employee positions every fourth person becomes unable to work before they actually reach retirement age. This is what you are when, due to illness or an accident, you are only able to carry on with a maximum of 50% of your previous job. For example, occupational disability with a herniated disc is not uncommon with a desk job. Despite this, many office workers misjudge the fact that the risk of incapacity to work in the office is not very great, and that it is therefore not essential to secure the workforce. But the facts show: Even working in the office is risky!

According to the analysis agency Morgen & Morgen, the most common causes of occupational disability include mental illnesses such as depression and burnout. office space insurance cost Disorders of the skeletal and musculoskeletal system, such as back and neck pain, which can often cause severe headaches, are not uncommon. A BAuA survey of employees also shows that they find the pressure to meet deadlines and perform at work to be particularly stressful. This was stated by 38.4% of women and 34.8% of men. Constant interruptions in the execution of tasks and multitasking are also frequently mentioned by employees as psychologically stressful working conditions. Multiple mentions of working conditions were possible in the survey.

Stressful work requirements in an office job

These psychological work demands can make you ill in the long run. Stress develops, which can lead to tiredness and exhaustion or even burnout. Do you work in an open-plan office? These promote the development of stress even further. Workers in open plan offices are more dissatisfied, more likely to feel distracted, and more likely to suffer from tiredness and fatigue than workers in small offices. And here the opportunity for a short relaxation or a so-called power nap is almost non-existent.

In summary, there can be many circumstances in an office job that are harmful to your own health and, in the worst case, can even lead to disability. After all, it is difficult to work in an office with a herniated disc, chronic migraines or burnout. But how can you best secure yourself financially as an office worker if at some point you really can no longer work?

Does disability insurance make sense with an office job?

If you can no longer do your job in the office due to illness or an accident, you are dependent on financial support. The state will help you with the so-called disability pension. However, the statutory pension is so low that you will probably not be able to maintain your previous standard of living. In 2015, the average pension was only €735 per month. The amount of the disability pension depends on how much you earned in your office job. The payment of the statutory pension is also subject to a number of conditions. First of all, there must be a disability.

This means that you only get the statutory pension if you can no longer work at all or only a few hours in any job. The second condition concerns the duration of the contribution payment into the statutory funds. The disability pension will only be paid to you if you have paid into the pension fund for at least five years office guidelines for employees. If you have only recently had an office job and are suddenly unable to work due to severe back problems, you are not entitled to a disability pension. This particularly affects young people. The self-employed and entrepreneurs who are not obliged to pay statutory pension contributions can also have problems. The statutory disability pension is usually too low to maintain your standard of living. It is better to take out additional private disability insurance for an office job.

Benefits of Disability Insurance

Significantly more comprehensive is early protection through private disability insurance. Here we recommend a disability insurance (BU) like Getsurance Job. With this you pay monthly contributions to an insurer. If at some point you actually become unable to work, you will receive a monthly disability pension from the insurance company. Why Disability Insurance in the Office? It is characterized by important characteristics that the statutory disability pension does not offer you. To come back to the biggest flaw of the statutory pension (it only pays a little): The BU provides you with much more financial security. The amount of the disability pension is agreed individually with the insurance company when the insurance is taken out. In this way, you can determine the amount of your disability pension yourself, which will be paid to you if you can no longer fully carry out your office job. With Getsurance Job you can secure up to 80 percent of your net income.

And when does disability insurance pay with an office job? In contrast to the statutory disability pension, it already pays in the event of disability office of employee benefits. You are already unable to work if you can only do less than 50% of your previous job. As an office clerk, for example, you will receive a BU pension if you can no longer carry out your office work due to a herniated disc.

Office workers pay less

A big advantage for office workers: They belong to the preferred professional group of BU insurers. This results from the fact that insurers estimate the risk of illness and accidents in this occupational group to be very low due to the low proportion of physical work. If you were working as a construction worker in construction, it would be different. The fact that you, as an office worker, have a low risk of illness and accidents has a positive effect on the monthly costs of disability insurance. That means you have to pay less for BU insurance compared to other professional groups.

The monthly BU cost is also affected by your health. Health issues are part of every BU application. This enables the insurer to better assess your potential risk of becoming unable to work. Even if the advertisements sometimes imply otherwise, there is no such thing as disability insurance without health issues. In the case of previous illnesses or acute illnesses, the contributions from many providers can be more expensive or, in the worst case, the BU application can be rejected. So take care of your private disability insurance at an early stage. Young people can also choose entry-level tariffs that allow them to complete a BU with initially low contributions. However, after a certain period of time, the contributions increase to a level that is higher than the normal contributions. Overall, a BU with an entry-level tariff is more expensive.

Office of federal employee group life insurance The conclusion to the occupational disability insurance for office work is: A BU insurance makes sense!

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