Also self-employed persons can get EM pension. Who is partially incapacitated for work will receive now the half-euro pension that corresponds to the previous BU pension in principle, so as to deserve is intended. Who is not employable in the labour market (however now without job protection) will continue to be the full EM pension (in the old law the incapacity for work pension) get. EM pensions are temporary until times always issued, for 3 years. If after 9 years shows that the earning capacity may be unrecoverable, perpetual EM pensions are paid. It applies the principle of rehabilitation before pension “it must be checked always first of all, whether there are not reasonable rehabilitation measures that restore the earning capacity can. General requirement for obtaining EM pension: it must be been accumulated in the last 5 years prior to the introduction of the incapacity of 3 years compulsory contributions and prior of disability be met a waiting period of 5 years.
Accidents at work and occupational diseases this waiting time does not apply Here accident pensions of the professional associations are then usually already made, then correspondingly allocated on EM pensions. Reading through all these points, can, give the impression that one is quite State sufficiently secured. This is a fallacy. Considering the average EM pension at the end of 2003, these were: 777 EURO for men and 640 EURO women. The need-oriented basic protection is already less than 640.-EURO.
It is therefore to be expected, that further declining pension level of statutory pensions in the future more and more people receive the EM pension also benefits from the demand-oriented basic protection must apply. Disability and disability in the private insurance the Team Turk insurance recommends therefore primarily all persons who are born after the 01.01.1961, to fill this gap through a private disability insurance. The life insurers are providers of private disability insurance.