Protect Your Income – with Occupational Disability Insurance
If illness or an accident prevents you from working in your profession, Income Protection Insurance secures your monthly income – so you can stay financially independent, even in difficult times.
💼 Income Protection Insurance
Because Your Ability to Work Is Your Greatest Asset
The risk of losing your ability to work is real – and often underestimated.
1 in 5 white-collar workers and 1 in 4 blue-collar workers in Germany become occupationally disabled during their career.
Most cases (85%) are caused by illness, not accidents – including back issues, cancer, mental health, or heart conditions.
And here’s the problem:
If you were born after 1961, the statutory support is shockingly low – just around €700 per month on average.
With NEOdirect Income Protection+, we help you close this gap with powerful private insurance – tailored to your needs and with smart premium-saving strategies.
Let us secure your income – so you can secure your future.
OCCUPATION DISABILITY
🛡️ Income Protection Insurance
Secure your income – even if you can’t work anymore.
Why Income Protection Matters
Imagine this: You get seriously ill or injured and can’t work for a long time – or even permanently. What happens to your income?
In Germany, there’s no strong government support if you lose your ability to work. This is especially true for professionals on work permits, Blue Card holders, and freelancers. The risk is real – and the financial impact can be huge.
That’s why we recommend Income Protection Insurance – known in Germany as Berufsunfähigkeitsversicherung.
✅ What It Covers
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💰 Monthly income replacement if you can’t work due to illness or accident
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🧠 Covers both physical and mental health issues (e.g. burnout, depression)
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🏥 Covers conditions like cancer, heart disease, slipped disc, or long-term injuries
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⚖️ Tax-optimized premium options available
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📈 Option to increase your insured amount later – without a new health check
🔍 How It Works
You choose the monthly income you want to protect (e.g. €2,000–€3,000 per month).
If a doctor confirms that you’re unable to work in your current profession for more than 6 months, the insurance pays you this amount – until retirement if necessary.
👨👩👧👦 Who Should Consider It?
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Highly skilled professionals (IT, engineers, medical staff, researchers)
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Young employees – the earlier you start, the cheaper and easier it is
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Self-employed & freelancers
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Anyone relying on their income to support family, loans, or future goals
🇩🇪 German Reality – Be Aware
Germany has no general disability pension for most foreign professionals.
And: Statutory support may only give you €800–€1,000/month (or nothing if you don’t qualify).
That’s not enough to live on – especially if you support a family or have long-term plans in Germany.
💡 Why NEOdirect?
At NEOdirect, we explain this complex topic in simple English and make sure:
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You understand exactly what’s covered (and what’s not)
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You get the best value for your budget – independent comparison of top German providers
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We help with claims, paperwork, and strategy – free of charge
📞 Ready to protect your income?
Book a free consultation with one of our experts.
We’ll assess your situation and guide you step by step – no obligations, no pressure.