{"id":804,"date":"2025-10-20T15:49:27","date_gmt":"2025-10-20T13:49:27","guid":{"rendered":"https:\/\/www.fallerfinance.com\/faq\/my-protection\/"},"modified":"2025-11-03T16:48:11","modified_gmt":"2025-11-03T15:48:11","slug":"my-protection","status":"publish","type":"page","link":"https:\/\/www.fallerfinance.com\/en\/faq\/my-protection\/","title":{"rendered":"My Protection"},"content":{"rendered":"

[et_pb_section fb_built=”1″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#DBC078″ use_background_color_gradient=”on” background_color_gradient_stops=”rgba(0,0,0,0.4) 0%|rgba(0,0,0,0.4) 100%” background_color_gradient_overlays_image=”on” background_image=”https:\/\/www.fallerfinance.com\/wp-content\/uploads\/2025\/08\/faller-finances-background-equipe.webp” parallax=”on” custom_padding=”100px|20px|80px|20px|false|true” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_post_title meta=”off” featured_image=”off” _builder_version=”4.27.4″ _module_preset=”default” title_text_color=”#FFFFFF” title_font_size=”40px” background_color=”RGBA(255,255,255,0)” text_orientation=”center” custom_margin=”||0px||false|false” global_colors_info=”{}” theme_builder_area=”post_content”][\/et_pb_post_title][dsm_breadcrumbs home_text=” ” home_icon=”||divi||400″ align=”center” _builder_version=”4.27.4″ _module_preset=”default” items_text_color=”#DBC078″ home_icon_text_color=”#DBC078″ separators_text_color=”#DBC078″ current_text_color=”#FFFFFF” custom_margin=”0px||||false|false” global_colors_info=”{}” theme_builder_area=”post_content”][\/dsm_breadcrumbs][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” _builder_version=”4.27.4″ _module_preset=”default” background_color=”#15171C” custom_padding=”100px|20px|0px|20px|false|true” custom_padding_tablet=”70px||||false|true” custom_padding_phone=”50px||||false|true” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” max_width=”800px” max_width_tablet=”100%” max_width_phone=”100%” max_width_last_edited=”on|desktop” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” header_2_text_color=”#DBC078″ header_2_font_size=”24px” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n

Why Take out Occupational Disability Insurance in Germany?<\/h2>\n

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Even if you work in an office job, the risk of disability remains high: over 40% of cases stem from mental or chronic illnesses (depression, burnout, cancer).<\/p>\n

<\/p>\n

A Berufsunf\u00e4higkeitsversicherung (occupational disability insurance) helps secure your income if you can no longer perform your occupation.<\/p>\n

<\/p>\n

\ud83d\udca1 Good to know: the cost is significantly lower when the profession is considered low-risk and the policy is taken out before the age of 40.<\/p>\n

What is the difference between occupational disability insurance (Berufsunf\u00e4higkeit) and the public disability pension (Erwerbsminderungsrente)?<\/h2>\n

<\/p>\n

The public pension pays only an average of 15 to 30% of your gross income, and only after 5 years of contributions and if you are deemed unfit for any employment.<\/p>\n

<\/p>\n

Private insurance, on the other hand, pays out a pension according to the chosen amount as soon as a doctor confirms your inability (even partial) to perform your current profession.<\/p>\n

Is Private Liability Insurance (Haftpflichtversicherung) Mandatory?<\/h2>\n

<\/p>\n

No, but it is essential.<\/p>\n

<\/p>\n

It covers damages you may cause to others, even inadvertently (wine glass spilled on a computer, child breaking a window, crossing against a red light, etc.).<\/p>\n

<\/p>\n

Its absence can be very costly: in Germany, financial liability is unlimited.<\/p>\n

What is the Purpose of Accident Insurance (Unfallversicherung) if I Am Already Covered by My Health Insurance Fund?<\/h2>\n

<\/p>\n

The health insurance fund only covers medical care.<\/p>\n

<\/p>\n

Accident insurance, on the other hand, pays out compensation and\/or a pension if an accident results in partial or total disability, including during private activities (DIY, sports, travel, etc.).<\/p>\n

<\/p>\n

For example, it covers rehabilitation costs, home modifications, or professional retraining.<\/p>\n

Is Legal Protection Insurance (Rechtsschutzversicherung) Useful?<\/h2>\n

<\/p>\n

Yes, especially in Germany, where legal and procedural fees can quickly exceed \u20ac2,000.<\/p>\n

<\/p>\n

It helps you assert your rights in many areas (housing, employment, consumer affairs, neighborhood disputes, traffic, internet, etc.).<\/p>\n

<\/p>\n

In Germany, over 80% of households have legal protection insurance. Consulting a lawyer is therefore perceived as a normal step, even for everyday disputes. <\/p>\n

<\/p>\n

For expatriates, some policies also cover disputes arising abroad or involving French organizations.<\/p>\n

Can I be Terminated from Legal Protection Insurance if I Have Too many Claims?<\/h2>\n

<\/p>\n

Yes, it is possible after several consecutive claims, but each case is reviewed individually.<\/p>\n

<\/p>\n

Using an advisor allows you to compare the most stable policies in case of multiple disputes and to benefit from personalized support, in French.<\/p>\n

Is it Possible to Deduct My Insurance Premiums from My Taxes?<\/h2>\n

<\/p>\n

Certain premiums, such as for occupational disability, accident insurance, or liability, can be deductible from taxable income under the category \u201cVorsorgeaufwendungen\u201d.<\/p>\n

<\/p>\n

An audit of your policies can help optimize your tax situation.<\/p>\n

What is the Best Way to Combine My Insurance Policies?<\/h2>\n

<\/p>\n

Rather than accumulating isolated policies, a comprehensive approach allows for:<\/p>\n

<\/p>\n