How does one actually become occupationally disabled?

All over the world, people are talking about how important it is to protect themselves against the risk of occupational disability. However, as a student, it is usually quite unclear what such a risk actually looks like.
yaml "There are, however, very precise numbers on why people become occupationally disabled and how high the risk is. Currently, it is estimated that one in three workers and one in five employees in Germany have to leave their profession before reaching the legal retirement age."
For many people, it is surprising that the majority of occupational disability has psychological causes. And we are not talking about madness or schizophrenia, but most (especially employees) suffer from burnout symptoms or workplace bullying. And something like this cannot really be ruled out for anyone.
For this reason, the still widely used accident insurance is not a real alternative to occupational disability protection: Less than 10% of all cases of occupational disability are due to accidents.
Here is an overview of the most common causes of occupational disability.

Berufsunfähigkeit Gründe bei FrauenGründe für eine Berufsunfähigeit bei einem 25jährigen Mann

An insurance against this risk is already very important during studies. If one cannot work in the desired profession for health reasons, the entire study may be in vain. Or perhaps one is already preloaded with health issues, so that one only receives protection under conditions or not at all.

A good insurance is available starting from 12 € per month. allmaxx offers a non-binding comparison of offers athttp://allmaxx.de/disability-insurance-student

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