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Disability risk (Berufsunfähigkeit)

See, with illustrative figures, how five years without an income could change savings built up over a working life.

General orientation only, not financial, tax or insurance advice and not a recommendation for any product. Figures are illustrative, based on simplified assumptions, and change yearly.

Assumes a 5-year disability from age 40, retirement at 67.

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Wealth consumed by a 5-year disability
€735,949
Wealth at 67, healthy
€1,048,272
Wealth at 67, with 5 years off work
€312,323
Illustrative risk (DAV)
~25%
5-year living costs
€120,000
Leading causes (DAV)
Mental & nervous disorders
34%
Skeletal & movement
18%
Cancer & tumours
17%
Accidents
7%
Heart & vascular
6%
Other
18%
~1 in 4 workers · avg onset age 44
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