{"id":4779,"date":"2023-03-18T16:13:58","date_gmt":"2023-03-18T16:13:58","guid":{"rendered":"https:\/\/americanmadeeverything.com\/?p=4779"},"modified":"2023-04-09T19:53:13","modified_gmt":"2023-04-09T19:53:13","slug":"take-out-occupational-disability-insurance-despite","status":"publish","type":"post","link":"https:\/\/americanmadeeverything.com\/take-out-occupational-disability-insurance-despite.html","title":{"rendered":"Take out occupational disability insurance despite osteoarthritis: this is how it works!"},"content":{"rendered":"
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Osteoarthritis and other joint conditions can be a reason for occupational disability. Especially in the advanced stages, swelling, pain and restrictions due to reduced mobility and lack of strength can mean that occupational activities can only be performed to a reduced extent or not at all.<\/p>\n
Many people with osteoarthritis disease and a concluded occupational disability insurance are in the situation that the occupational disability should be recognized in the next step, because the "benefit case" has occurred.<\/p>\n
However, this article is intended to help from a different perspective.<\/p>\n
And that's if you don't have disability insurance yet and you suffer from osteoarthritis:<\/p>\n
What to do if arthritis has already been diagnosed? What are the opportunities for BU coverage?<\/p>\n
We answer the questions in this article:<\/p>\n
So this post is all about what you can do if a condition like osteoarthritis has occurred and you don't have disability insurance yet.<\/p>\n
Beware of "self-experimentation": We provide detailed information on our website to educate our customers in the best possible way. Please do not let this tempt you to settle your insurance issues without consulting an expert. Our years of experience have taught us: It often comes down to the little things.
\nOur tip: Let us advise you as experts and secure a free consultation appointment – online or offline. Also a conclusion has no additional costs for you!
\nClick here and make an inquiry (by phone, by mail or directly by booking an appointment).<\/p>\n
Osteoarthritis refers to a degenerative joint disease or. Joint wear and tear. It is often referred to as "joint wear and tear that exceeds the normal age" and can have serious consequences.<\/p>\n
Terms associated with osteoarthritis are: Spondylosis, spondyloarthritis, osteoarthritis, arthritis, arthrosis, rhizarthrosis, ankle arthritis, gonarthrosis, coxarthrosis, omarthrosis.<\/p>\n
The following joints are often affected: knees, hands \/ fingers, feet \/ toes, elbows, hips, shoulders, spine and ankle joints.<\/p>\n
… and so arthrosis – depending on the severity of the disease and depending on the occupation – can definitely trigger occupational disability.<\/p>\n
The fact that it makes sense to take out occupational disability insurance before arthritis is diagnosed is probably undisputed.<\/p>\n
So those who took care to take out disability insurance at an early stage can look to the future with greater peace of mind after being diagnosed with osteoarthritis.<\/p>\n
Even if osteoarthritis isn't causing severe limitations yet but has already been diagnosed, having disability insurance in place beforehand provides peace of mind.<\/p>\n
If, on the other hand, you suffer from osteoarthritis and have not yet taken out occupational disability insurance, the following sections may be of interest to you.<\/p>\n
Because osteoarthritis can result in long periods of absence or even permanent incapacity for work – and we would like to insure against this risk.<\/p>\n
a) Example of occupational disability due to osteoarthritis in the fingers<\/p>\n
As an example of restriction in one's profession, one can mention first and foremost activities in which precise and delicate tasks have to be performed (veterinarian, mechanic, watchmaker). But also activities involving work on the computer (secretary: typing on the PC) can be severely hampered.<\/p>\n
b) Example of occupational disability due to spondylarthrosis (spine)<\/p>\n
As an example in this degenerative disease of the spine, activities that require lifting heavy weights can be cited. For example, physical work in production or in the warehouse.<\/p>\n
Before we show you practical solutions for taking out disability insurance despite osteoarthritis, we would like to show you which pre-existing conditions often lead to rejections, exclusions or risk surcharges … and whether osteoarthritis is one of them.<\/p>\n
The following table shows illnesses, due to which the conclusion of an occupational disability insurance is often (but not always) either a) rejected, b) is accepted with benefit exclusion or c) is accepted with premium surcharge.<\/p>\n
Whether it really comes to the refusal or acceptance under certain conditions, again depends heavily on the individual case and the severity of the disease. In addition, the profession practiced must always be related to the disease.<\/p>\n
The following table can therefore only provide a clue regarding pre-existing conditions:<\/p>\n
Acceptance (exclusion of benefits)<\/td>\n | Acceptance (risk surcharge)<\/td>\n | Refusal often<\/td>\n<\/tr>\n |
Asthma<\/td>\n | Asthma<\/td>\n | Anxiety disorder<\/td>\n<\/tr>\n |
Herniated disc<\/td>\n | Herniated disc<\/td>\n | Depression<\/td>\n<\/tr>\n |
Hypertension<\/td>\n | Chronic gastritis<\/td>\n | HIV<\/td>\n<\/tr>\n |
Nearsightedness\/farsightedness over 8 diopters<\/td>\n | Diabetes<\/td>\n | Multiple sclerosis<\/td>\n<\/tr>\n |
Hearing loss<\/td>\n | Crohn's disease<\/td>\n | Hyperthyroidism<\/td>\n<\/tr>\n |
Myomas<\/td>\n | Rheumatism<\/td>\n<\/tr>\n | |
Hypothyroidism<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n As you can see from this list, there are not generally difficulties in concluding an occupational disability insurance policy in the case of osteoarthritis – i.e. neither in the sense of rejections nor in the sense of assumptions with special conditions.<\/p>\n The situation is different, for example, with rheumatism. The reason for this is that rheumatism (= autoimmune reaction of the body) and osteoarthritis have fundamentally different causes. Even if both diseases show similar symptoms.<\/p>\n If in doubt, always ask us and describe your individual situation. Based on our practical experience, we also know approaches to solutions that you probably do not think of immediately.<\/p>\n Which solutions can be obtained despite arthrosis?<\/h2>\nIs it possible to have disability insurance despite osteoarthritis? And if so, how?<\/p>\n As a general rule, premium surcharges or refusals are to be expected in the case of pre-existing conditions – how high these risk surcharges are or whether a refusal is made depends on the individual case.<\/p>\n This is because the risk of becoming disabled is higher with known pre-existing conditions than without known pre-existing conditions.<\/p>\n Therefore, ask yourself:<\/p>\n
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