Income Protection in Germany

Income protection

Relying solely on state benefits may leave you with a significant income gap if you are unable to work due to illness or injury. This is where a disability insurance/income protection (Berufsunfähigkeitsversicherung) becomes vital. It protects your income and ensures that you can maintain your financial stability if you are no longer able to perform your job.

In Germany, the state’s disability benefits are often insufficient to cover living costs, especially for those who are new to the country and may not yet qualify for full benefits. With disability insurance, you receive a monthly payment that helps replace your lost income, ensuring that you can continue to pay for essential expenses like rent, loans, or family needs.

For expats or newcomers, this type of insurance is a smart and necessary step to secure your financial future. It fills the gap left by public support and guarantees that you can maintain your quality of life, even if the unexpected happens. Protecting your ability to earn is one of the most important safeguards you can have in place.