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About dampstew

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  • Location Hamburg
  • Nationality UK
  1. Thank you for your answers @White Rose of Yorkshire, @PandaMunich! Very helpful.
  2. The DRV made decisions based on wrong facts, and despite me pointing this out and providing documentation, they don't correct their mistakes. I already filed a Wiederspruch, but it's a bit too much for me with my German skills.   I could contact a lawyer, but I was wondering if there is something like a Mietverein for pension-related matters. Paid options are welcome.
  3. Suppose you have some dependent family to support. It seems to me if you have adequate Berufsunfähigkeitsversicherung & Risikolebensversicherung, you are pretty much covered (if you can't earn money but are not dead, Berufsunfähigkeitsversicherung. If you are dead, Risikolebensversicherung).  However, @Starshollow (who seems to be an expert in this domain, says: "All desk-oriented jobs and management related jobs [...] should, in my professional opinion, rather look for a dread disease insurance, where you insure yourself against a certain number of major illnesses, like cancer, heart attack, stroke and more, which do not necessarily lead to a legally clear case of occupational disability"   This seems surprising to me as I thought as long as I'm unfit to work for more than 6 months, the Berufsunfähigkeitsversicherung will payout. If this is important, I'm looking at an option where Abstrakte Verweisung is not possible, and I can survive for a year or so if necessary without payout, so it's ok if it takes time until the payout starts. Should I still look at dread disease insurance, rather than Berufsunfähigkeitsversicherung? I'd then be not covered for things like getting my arms chopped off. Buying both seems expensive.