{"id":248,"date":"2021-02-26T13:43:34","date_gmt":"2021-02-26T12:43:34","guid":{"rendered":"https:\/\/wirsindbu.de\/?page_id=248"},"modified":"2021-02-26T13:45:16","modified_gmt":"2021-02-26T12:45:16","slug":"collectplus","status":"publish","type":"page","link":"https:\/\/wirsindbu.de\/en\/collectplus\/","title":{"rendered":"collectplus"},"content":{"rendered":"<section id=\"\" class=\"heading-block acf-block pos-left underlined bottom-spacing-medium top-spacing-medium\">\n        <h2>Every fourth is affected.<\/h2><\/section>\n\n\n\n\n<section id=\"\" class=\"text-editor-block acf-block\">\n    <div>\n        <p>Occupational disability is not rare and isn\u2019t limited to a marginal group. Statistically speaking, a quarter of all German employees will, sooner or later, become unfit for work \u2014 and that trend continues to rise sharply. Accidents are rarely the cause. Instead, it\u2018s mostly everyday conditions such as back pain, mental health issues, or nervous disorders.<\/p>\n<p>Nevertheless, many believe that they\u2019ll never be affected by occupational disability. We have the \u201cfeeling\u201d that we are all protected anyway. But that\u2018s a mistake, with 95% of the population not having adequate insurance.<\/p>\n<p>Consumer advocates and insurance experts all agree; in addition to liability and health insurance, occupational disability insurance is the most important policy you can take out.<\/p>\n    <\/div>\n<\/section>\n\n<section id=\"\" class=\"heading-block acf-block pos-left underlined bottom-spacing-medium top-spacing-medium\">\n        <h2>You cant&#8217;t live on an invalidity pension<\/h2><\/section>\n\n\n\n\n<section id=\"\" class=\"text-editor-block acf-block\">\n    <div>\n        <p class=\"p1\">The ability to work is an employee\u2019s greatest asset. For those who can no longer work, their very existence is directly threatened. If someone\u2019s main income fails without any kind of backup plan, the whole family unit is threatened with social decline.<\/p>\n<p class=\"p1\"><strong>State aid only amounts to 19% of gross earnings in the case of a partially-reduced earning capacity, and to only 38% in the case of a fully-reduced earning capacity. <\/strong><\/p>\n    <\/div>\n<\/section>\n\n<style>.text-teaser-block .row::before{background-color: inherit !important;}<\/style>\n<section class=\"text-teaser-block acf-block has-bg bg-pos-left animated-content\">\n\t<div class=\"row main-bg-none\"style=\"background-color:#06a0dc;\">\n\t\t\t\t\t<div class=\"text-teaser--animated-content\" data-loop=1>\n\t\t\t\t\t\t\t\t<div class=\"animated-section-1\" data-scroll data-scroll-repeat=true>\n\t\t\t\t\t<h2 style=\"text-align: center; font-size:55px; color:white; font-weight:normal\">It\u2018s a fact<\/h2>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"animated-section-2 is-outside\">\n\t\t\t\t\t<h2 style=\"text-align: center; font-size:55px; color:white; font-weight:normal\">that occupational \u2029disability not only destroys dreams,<\/h2>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"animated-section-3 is-outside\">\n\t\t\t\t\t<h2 style=\"text-align: center; font-size:55px; color:white; \">but entire families.<\/h2>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n<section id=\"\" class=\"heading-block acf-block pos-left underlined bottom-spacing-medium top-spacing-medium\">\n        <h2>It\u2018s time for <\/h2><\/section>\n\n\n\n\n<section id=\"\" class=\"single-teaser-block acf-block img-pos-left\">\n\t<div class=\"row\">\n\t\t<div class=\"single-teaser--image\">\n\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/wirsindbu.de\/wp-content\/uploads\/sites\/9\/2021\/01\/CP_480x320-cenetered.png\" alt=\"\" \/>\n\t\t\t\t\n\t\t<\/div>\n\t\t<div class=\"single-teaser--content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n\n<section class=\"column-teasers-block acf-block columns-3\">\n\t\t<div class=\"column-teasers\">\n\t\t\t\t<div class=\"column-teaser\">\n\t\t\t\t\t\t<div class=\"column-teaser--content\">\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t<h4>Occupational disability is covered<\/h4>\n<p>&nbsp;<\/p>\n<style> .collectplus li { margin-bottom: 3pt; } <\/style>\n<ul class=\"collectplus\">\n<li>up to 250,000 euros per month<\/li>\n<li>up to 75% of gross income<\/li>\n<li>hardly any taxes, no social-security payments<\/li>\n<li>contract is employer-agnostic<\/li>\n<li>co-insurance for spouses and life partners possible<\/li>\n<\/ul>\n\t\t\t\t\t\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"column-teaser\">\n\t\t\t\t\t\t<div class=\"column-teaser--content\">\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t<h4>Fair conditions<\/h4>\n<p>&nbsp;<\/p>\n<ul class=\"collectplus\">\n<li>no health questions<\/li>\n<li>no physical check-up<\/li>\n<li>diagnosis from a medical specialist of your choice<\/li>\n<li>no abstract references<\/li>\n<li>full benefit from 50% disability<\/li>\n<li>insurable worldwide<\/li>\n<li>no 6 month period of receiving BU required<\/li>\n<li>freely-selectable waiting period (at least 30 days)<\/li>\n<li>the policyholder is the employee<\/li>\n<li>can be terminated anytime (notice period 3 months)<\/li>\n<\/ul>\n\t\t\t\t\t\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"column-teaser\">\n\t\t\t\t\t\t<div class=\"column-teaser--content\">\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t<h4>The lowest price<\/h4>\n<p>&nbsp;<\/p>\n<ul class=\"collectplus\">\n<li>group contract (collective agreement not necessary)<\/li>\n<li>only current risk contribution, no legacy issues<\/li>\n<li>thus, up to 70% cheaper than the competition<\/li>\n<li>all forms of financing are possible<\/li>\n<li>also possible as a direct promise<\/li>\n<\/ul>\n\t\t\t\t\t\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n<section id=\"\" class=\"heading-block acf-block pos-left underlined bottom-spacing-medium top-spacing-medium\">\n        <h2>When disaster strikes, reap the benefits<\/h2><\/section>\n\n\n\n\n<section id=\"\" class=\"text-editor-block acf-block\">\n    <div>\n        <p>In case of entitlement to a benefit, we differentiate \u2028between temporary and a permanent occupational \u2028disability. In cases of temporary occupational disability, we pay a monthly pension for up to 10 years. If a \u2028permanent occupational disability is determined after this period, you will receive a one-off payment of a \u2028capital sum of up to 120 monthly pensions.<\/p>\n<p><strong>WHAT ARE THE OTHERS DOING?<\/strong><\/p>\n<p>Our competitors continue to focus on health checks, and therefore on increases, exclusions, and refusals. \u2028We are offering better by abandoning health questions and thus making it much easier to get income protection regardless of the amount of benefits. Furthermore, through effective processes and intelligent insurance configurations, we keep costs so low that we can offer an average of 70% below the market price \u2014 with far fewer conditions.<\/p>\n    <\/div>\n<\/section>\n\n<section id=\"\" class=\"heading-block acf-block pos-left underlined bottom-spacing-medium top-spacing-medium\">\n        <h2>Health questions? None.<\/h2><\/section>\n\n\n\n\n<section id=\"\" class=\"text-editor-block acf-block\">\n    <div>\n        <p><strong>Instead, only a statement of official duties is required.<\/strong><br \/>\nAt the beginning of the coverage or in case of an extension of cover, the employee shall confirm the following:<\/p>\n<ul>\n<li>I can pursue my contractual daily work both mentally and physically.<\/li>\n<li>I was during the last 12 months due to accident or illness or more than age-appropriated loss of strength not incapacitated for more than 20 consecutive working days.<\/li>\n<li>In the past 12 months, I have not reduced my working hours, changed my normal job or my job due to an accident or illness or more than age-appropriated loss of strength; this also applies to home workplaces without being limited to them.<\/li>\n<li>In the past 12 months, I have not received a premium increase of more than 50% or a reduced or rejected benefit under another disability policy of which I am the policyholder or insured person.<\/li>\n<li>I have not within the last 60 days received the medical advice to stay away from work.<\/li>\n<li>Ich habe nicht innerhalb der letzten 60 Tage den \u00e4rztlichen Rat erhalten, der Arbeit fern zu bleiben.<\/li>\n<\/ul>\n    <\/div>\n<\/section>\n\n<section id=\"\" class=\"heading-block acf-block pos-left underlined bottom-spacing-medium top-spacing-medium\">\n        <h2>Little tax, no social-security payments<\/h2><\/section>\n\n\n\n\n<section id=\"\" class=\"text-editor-block acf-block\">\n    <div>\n        <p>If pension benefits are paid, only the lowest profit share will be taxed for a temporary annuity. Social security contributions are not incurred. Monetary compensation does not constitute a recurring benefit and therefore, is fully tax-free and exempt from social security obligations.<\/p>\n<p>Employee contributions for CollectPlus can be stated on tax returns in the same way as pension contributions.<\/p>\n    <\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.12 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>collectplus - Bachmeyer Assecuradeur<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/wirsindbu.de\/en\/collectplus\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"collectplus - 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