Incapacity to work can also threaten the existence of civil servants. Private occupational disability insurance with a DU clause helps to protect your standard of living.
Secure job, stable income – civil servants enjoy many advantages. But what happens if you suddenly can no longer work? Incapacity to work is a real risk, as the numbers confirm. According to the Federal Statistical Office, 10,300 civil servants had to take early retirement in 2022 – that corresponds to a whopping 17 percent of all newly retired people at the time.
Private insurance with a disability clause (DU clause) can be crucial here in order to protect those affected financially in an emergency. Especially in the first few years of your career, a permanent loss can lead to significant financial losses.
Source: Stern
