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Helvetia Erwerbsunfähigkeitsrente

Earning disability pension. When everything suddenly changes.

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Sometimes, an accident or illness may mean you are no longer able to work as you used to. With earning disability insurance you can safeguard your personal income and remain financially independent should you become unable to work.
A guaranteed pension to secure your earned income
A partial pension even in cases where your capacity to earn is reduced by only a small amount
Safeguards your accustomed standard of living
For whom is earning disability insurance appropriate?
Familien
For families
  • Safeguard your household income
  • Preserve your family’s standard of living
  • Pay for support if the person managing the household becomes disabled
Selbstständigkeit
For self-employed persons
  • Secure your earned income in the long term
  • Cover your ongoing costs
  • Pay for support
WohneigentĂĽmer
For residential property owners
  • Cover your ongoing costs
  • Safeguard your mortgage payments
  • Preserve your family home
Helvetia Unfallversicherung Hausangestellte
For homemakers
  • Pay for support if the person managing the household becomes disabled
  • Secure a future minimum earned income
  • Supplement your disability (IV) benefits
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For schoolchildren and students
  • Secure a future minimum earned income
  • Supplement your disability (IV) benefits
How does earning disability insurance work?
Earning disability insurance is a dedicated risk cover you can take out under either pillar 3a or pillar 3b. Alternatively, you can supplement your endowment life insurance policy with an earning disability pension. If, as a result of an accident or illness, your capacity to work is reduced or lost altogether, Helvetia will pay you a pension that is geared to your degree of earning disability. This enables you to secure your income.
  • Helvetia pays you a regular pension that is geared to your degree of earning disability
  • You will receive your first pension payment at the end of the agreed waiting period
  • The pension is paid out quarterly – until you can work again or the insurance contract expires
  • You must be fully able to earn at the time you take out the insurance

What does earning disability insurance cost?

You need only provide us with a few details to get an initial cost estimate. That will give you a rough idea of what earning disability insurance costs.
My age
  • Years
    Please enter an age between 18 and 60.
    Please select one option in each case.
  • Why we ask you this
    Age, gender and a person’s job affect capacity to earn and are taken into account when determining the premiums. To reduce complexity, only office and tradespeople’s jobs can be selected as possible professions.
    Sample prices for earning disability insurance
  •  Years, 
    The premiums indicated here are simplified sample prices. The actual premium may deviate from this figure. The maximum contract term is 45 years.
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    A free consultation without obligation
    A personal pension analysis and insurance proposal
    Over the phone, in your home or at an agency close to you
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