You may become ill for an extended period or no longer able to perform your work due to maternity or an accident. If so, your employer continues to pay your full salary for a certain amount of time. But what happens when the period during which your employer is required to continue paying your salary comes to an end?
You are not entitled to salary replacement until the commencement of a potential disability pension (IVG) and the disability pension under the occupational pension scheme (BVG). In many cases, this means lost wages.
As an employee, you can insure yourself against the risk of lost wages with SALARIA daily allowance insurance.
With SALARIA daily allowance insurance you receive the insured daily allowance as soon as you can prove that you have suffered a loss of income and incapacity to work of at least 25%. It allows you to maintain the standard of living to which you are accustomed.