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The motorbike approaching

strikes with the first sunny days of the year the heart of every Bikers higher. The premium calculation for car insurance, however, could ruin your day. However, there are several ways you can reduce the contributions, sometimes drastically.

For in both the liability and in the hull can save you money. The premium is the case for many insurers from the region where the motorcycle is registered. Happen there more theft and / or accidents is rising, in the same extent, the insurance premium.

So can the contributions of one and the same bike differ by several hundred € - Depending on where the insured lives. If you live in an expensive region for which a provider is eligible to offer region-independent uniform tariffs.

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who rises only in the summer on his bike, runs on a seasonal characteristic much better. However, the bike at least six months to be registered for this to be considered with the no-claims discount and the percentage fall.

Young drivers can often come upon the insurer of the parents to enjoy a better rating. And who assured his motorcycle for the first time, this can make the claim bonus classified as a second car, if already an existing car, a car Police there.

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enigmatic cause of the fire

device in a parked car on fire due to unknown causes, then its holder can not be taken for damage claims arising from the spread of the fire to other vehicles or property. This was decided by the district court of Coburg (Az: 21 O 195/09).

A man had parked his recently with a new TÜV sticker marked car next to the trailer of another. About three and a half hours later, the car inexplicably caught fire.

unproven thesis

The fire spread to the trailer over and destroyed it completely. The caravan owner, who apparently possessed no third party insurance required by the motor vehicle liability insurer of the car holder, the replacement of the replacement cost value of the caravan in the amount of 6,500 €.

He claims his ground that the fire should be declared only that had developed during the trip by car a fire which later culminated into a flame and so had caused the damage to his trailer.

Because the police could not determine the cause of the fire and the car had since been scrapped, it was the plaintiff caravan owners not possible to prove his thesis. He was nevertheless of the opinion that the holder of the car, at least from the danger of operating his vehicle within the meaning of Section 7 paragraph 1 StVG (Road Traffic Act) liable.

No operation attributable risk

But the did not follow the Coburg district court. It dismissed the claim for compensation of the caravan owner as unfounded. The court concluded the fault of the car owner for lack of evidence from. But also a responsibility of operating risk, the judges could not be identified.

After all, the defendant had parked his vehicle came hours before the outbreak of the fire with the engine switched off and locked doors. "A causal Context of an accident with the operation of a motor vehicle is limited by the operation beginning and end of operation, "the court said.

from the vehicle the defendant was therefore not attributable to the operation of more danger. The applicant must therefore self-pay for his loss. The decision is now final. The Higher Regional Court of Dusseldorf was reached in September 2010 in a case similar to a comparable assessment. At that time there was about a truck parked in a hangar, which had fallen on fire for unknown reasons.

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Less than 570 € widow average

received in Germany in 2009, a total of just over 5.8 million citizens have an survivor . On average, the amount of benefits per recipients was 513 € per month. Widowers, orphans and young widows were even significantly less. This emerges from a recently released statistics Pensions Insurance (DRV) out.

The survivor pension is made up of large and small widow who full and half orphans education and pension together. Just under 4.9 million women received 2009, a large widow's pension is payable monthly average of 569 Euro. Over 9,000 widowed wife had to deal with the small widow's pension that is less than half the large widow's pension is satisfied. € 252 was the monthly pension for the approximately 540,000 widowers. A small widower pension received about 1,200 men.

conditions for the large widow's or widower's pension

Since 1 January 2002, the large widow's or widower's pension to 55 percent of the pension due to complete reduction of the deceased. For those who have married before that date or before 1 Born January, 1962, the old system is 60 percent. In the little widow's or widower's pension of 25 percent of the deceased are scheduled for complete reduction. has

entitled to the Widows 'and widowers' pension In principle, the remaining, if the spouse has died pension insurance law met the general waiting period of five years. In addition, should the widower or widow after the death of the spouse not remarry.

A large widows and widowers And only the surviving spouse, either the 45th Has reached the age, earning capacity is reduced or a child, not educating over 18 or disabled.

education and small widow's and widower's pension

All that the above conditions for a large pension for widows and widowers do not have to get a small widow's or widower's pension. The latter, however, granted for a maximum of 24 months after the death of the insured.

Less well known is the so-called education pension. Entitled to statutory pension insurance have only themselves to their marriage after 30 divorced in June 1977 and was the divorced spouse is deceased.

also must educate the remaining parent's own child, have not remarried and have met until the death of the divorced spouse of the general period of five years. Less than 1,000 people in Germany received in 2009 a corresponding survivor pension of 740 euros on average.

survivor's pension for children

This also surviving children have the right to an orphan's pension, they must be under 18 or with disabilities can not even pay for their maintenance. For children who are still in an educational or vocational training, a maximum age limit of a maximum of 27 years. must also have met the deceased, the general period of five years.

is basically the amount of the orphan's pension 20 percent and 10 percent of the half-orphan's allowance of the pension which would have been entitled to or the deceased at the time of death at a full disability. Additional charges are possible, the number of insurance records of the deceased or . Depend

entitled to a full orphan's pension has a child if no dependents requiring a parent is gone. 2009 received nearly 8,400 children a corresponding survivor pension of an average of 323 €. Almost 362 000 adolescents were given a half-orphan's pension of 156 euros, after a dependent parent responsible is deceased.

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If you want to know exactly how much personal security of the survivors is concrete and how a supply gap is replaced by us help.

To a potential deficit between the current household income and the amount available to secure after a death, offers the insurance industry to various retirement products.

For those looking for a optmialen survivors protection according to the personal needs and situation, we recommend a comprehensive consultation.

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keep unemployment reduced pension amount

Even during an unemployment are the Germans in the statutory pension insurance secured, as the German Pension Fund (DRV) informs. Nevertheless, influences the unemployed times the amount of benefits.

who loses his job, flies not automatically follow from the statutory scheme out. At the start of unemployment compensation that is paid for a maximum of 24 months, takes over the Federal Employment Agency, 80 percent of previously paid contributions to statutory pension insurance.

unemployment lasts twelve months, an average earner with an annual income of acquiring about 30,000 euros, according to the German insurance provides a monthly pension of € 19.30 to € 21.76 in new or the old federal states.

comparison: When the full earnings it would have been in western Germany and € 27.20 € 24.13 in eastern Germany, expects the German pension scheme before.

When unemployment benefits only a small pension entitlement

Even if you slip after prolonged unemployment in the receipt of unemployment benefit II, acquires or pension rights. However, these are significantly lower than € 2.17 per month in unemployment benefit I.

detailed questions about unemployment and statutory pension insurance will be answered by staff in the information and advisory services of the German Pension Fund or the Helpline on 0800/10004800. There is also the DRV a free downloadable brochure on the Internet entitled " Unemployed - What you should .

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Fit despite VDU

With a few tricks can prevent health problems by computer work, or at least mitigate critical.

nature, can occur during prolonged computer work to eye problems. These include problems such as eye twitching, flickering, blurring of letters, eyes burning, a feeling of pressure around the eyes and headaches.

Longer texts should therefore not be read on screen but printed. The eyes are charged much less. A relief brings the use of flat screen devices that are friendlier to the eye with sufficient size.

Dry eyes are the most common complaints that occur during prolonged computer work. This is easily explained, because while reducing the on-screen work, the eye blinks an average of 9.7 to 4.3 per minute. Thus the eye is not enough to moisten. For prevention, one should consciously blink, which eliminates the pain and reduces sensitivity to light.

The cross with the cross

Not only the eyes are strained hard at work on screen, even the back suffers. Because the cross is mainly due to poor posture at the desk claimed strong. Many sit with a round back at the computer. The intervertebral discs loaded but a similar rate, as it bent into a crate to pick it up.

Therefore, the correct sitting position is important because you can work with it largely without symptoms and not easily tired. It is best not to stay in a rigid position, but to change it again and again. True, you sit when forming the upper and lower leg at an angle of 90 degrees.

The upper body should be straight up. When sitting, you benefit from the entire surface of the chair and makes sure that your back is supported by the rest well. Eyes and back are grateful for breaks. As a rule of thumb: every hour, five minutes screen break. The monitor of free time should be used for copy work or phone calls, but not for reading.

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alarming trend in sick leave

In a health report to public health insurance recently, the disease data to their insured from the research and consultancy institute term can be analyzed GmbH. It was evaluated on the work disability certificates based health messages. One result is that despite the strong economic growth in 2010, there was no increase in total sick leave. Stark, however, have increased the mental illness.

Based on the data of over 2.6 million health insurance members, was found in 2010, unchanged from the previous year absenteeism of 3.4 percent. One was the study principal health insurance 2010, says the study average of 12.5 calendar days on sick leave. More than half of employed insured persons (53.7 percent) reported in 2010 did not get sick.

Mental disorders are on the rise

While the total remains sick for more than ten years at a low level shows just the disease findings, a further increase in the number of mental disorders. They climbed steadily since 1998 and laid in 2010 as strong as ever.

The health insurance, which commissioned the study in order, spoke of an alarming trend. It was only last year, where 13.5 percent more days of absence due to mental illness.

The most common diseases

With a share of 12.1 per cent of sick playing this disease is almost twice as important as in 1998. On an even larger share only were injuries (13.6 percent), diseases of the respiratory system (19.0 percent) and musculo-skeletal system (21.0 percent).

The Health Report was devoted to focus on the health of young workers aged between 15 and 29. Here, too, would be mental illness, which would often accompanied by depression, are constantly rising. Even with just under seven per cent at least once this diagnosis has been made.

difference in sick leave between industries

An evaluation of the sick to the nine most frequently represented industries shows that employees were in education, culture, media, banking and insurance reported significantly less often sick and had shorter periods of absence.

With an unchanged compared to 2009 sick leave of 2.8 percent cut workers in these industries did much better than average (3.4 percent). The 100 year-round workers was only 103.2 times work disability certificates were presented. An illness lasted on average just 9.8 days. The retail staff were, at 3.2 percent below the average.

staff has the most cases of illness

the second highest sickness rate of 3.9 percent recorded in the health insurance to members who are members of the health sector. The latest figures show, the principal study, that the charges are for the health workers remains high.

performer in sick leave was the public administration. Here, the value was 4.0 percent. The 100 insured it was 132.8 cases of disease and an average of 10.9 days of absence. When a cause is identified in the study, the higher number of disabled workers in public administration.

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does help with sudden machine stops

Modern machines have become indispensable in today's working world. You can increase as the productivity or facilitate various work. While the acquisition costs are known, involves a sudden failure or the loss of a machine, however, an unforeseeable financial risk.

With a machinery insurance, these risks, however, to a predictable size. She jumps in a variety of unforeseen events that occur due to human error, technical risks, or by force majeure.
unpredictable dangers

insurance include damage to machinery, to design, Material and execution errors are based or the result of the failure of measurement, control or security guard. There

replacement is also responsible for failures caused by short circuit, overvoltage and storm or frost. Even damage caused by operator error, clumsiness, negligence or bad faith are insured.

In the case of mobile machines, in some cases damage by fire, lightning, explosion, and by lack of water, oil or other lubricants are also insured.

Insurable machines

Insurable are usually stationary machines and mechanical equipment. These include, for example, power machines, such as Turbines and generators as well as various machinery such as for wood and metal processing or the printing industry.

also mobile and transportable equipment such as construction equipment, mobile cranes and forklift trucks can be insured.

This is replaced

The machines can be insured separately, for example, to protect expensive equipment. But a blanket insurance policy with a sum insured for example, all stationary machinery of a business is usually possible.

is defective machinery, machinery insurance will pay the necessary repair costs such as spare parts costs, labor costs or de-and Reassembly costs.

If the repair costs are higher than the actual value of the machine, the value will be replaced - that is the value that the machine has, with age, wear and use more.

get a comparison with commercial insurance you here.

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employees under observation

An employer may be liable to pay compensation if it can be installed at the entrance to his business premises a camera that not only monitors the input, but also the employees work behind it. This is shown by a recent decision of the Hessen State Labour Court (Case No.: 7 SA 1586/09).

The verdict was based on the complaint of a clerk who worked in a branch of a nation-wide company.

violation of individual rights?

was the office of the applicant, directly opposite the entrance to the office. Her employer was the entrance, a video camera attached, which would serve in his words, to protect employees from harassment by non-operating people.

The camera was directed not only at the entrance, but also the workplace of the applicant. This felt by heavily in their personal rights violated and demanded redress.

But despite repeated request was for his employer not willing to limit the orientation of the camera only on the input range, which technically would have been no problem.

Successful action

The employee then went to the Labour Court. In her action, she asked her employer not only a different orientation of the camera, but also the payment of damages.

with success. Both the Labour Court and the called in by the employer appeals court gave the state labor complaint on the merits rather than after. Only to the amount of passes from the employer to be paid damages, the courts to different assessments.

Basically, the judge has violated the employer in a serious and persistent way the right of informational self-determination of its staff.

Expensive tenacity

the objection of the employer that the camera was not always on, and was attached to the safety of the employees were not considered judge.

"For only the uncertainty about whether the camera records real or not, has suspended the applicant a permanent monitoring of pressure that they had to accept it, especially as an alignment would have been possible," According to the court.

In the first instance granted the applicant by the Labour Court Wetzlar or compensation in the amount of 15,000 €. The Hesse state labor court ordered the employer in the appeal hearing under all the circumstances, but only to pay compensation of 7,000 euros.

security in disputes with the employer

The verdict shows that you do not accept everything without complaining has to do what the employer. However, however, that in a work dispute in the first instance of the employer and the plaintiff worker must take whatever the outcome of the respective costs.

self then, if the employee wins, as in the case identified the dispute, he must pay his legal fees and court pro-rata costs. Nevertheless, one does not always for financial reasons, waive his right.

An existing private and professional legal protection insurance covers namely in the insurance case, the cost for such, but also for numerous other disputes. More information is on our comparison calculator.

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Substantial differences in preparedness mentality

A recent study of a life insurer concludes that 40 percent of women have not yet dealt with the pension issue. In contrast, almost three Quarters of men surveyed have already adopted such measures. This trend increases the risk of elderly poverty significantly, especially since women on average have a significantly lower claim under the statutory pensions.

A life insurer instructed the IMWF Institute for Management and Economic Research with a survey of 1002 Germans. In the study, 40 percent of the interviewed women, they had not even bothered to private pension plans. More initiative was noted in men. This explains almost three-quarters of respondents said they have already taken precautionary measures in addition to private funded pension pillar.
Women are particularly low

In connection with recent figures showing the German Pension Fund is a special drama of the situation. Accordingly, a woman receives in West Germany the average retirement pension 487 Euro, whereas men with 990 euros, almost double the amount available.

In East Germany, the difference with 702 € to 1069 € for women in men is not as high. This is because in the former GDR, the share of employed women has been much higher. Accordingly, workers were able to acquire higher pension benefits.
distinctions exacerbate problems

But not only lower acquisition times, for example, by increasing education of children, the risk of poverty in old age. In particular, the high divorce rate - in Germany, almost one in three marriages ends in divorce - according to the principal, the study the problem of poverty in old age exacerbated in women.

Even the reformed law of maintenance have the consequence that women should pay more attention in future take care of their financial security than in the past would have been necessary. The federal government had changed in 2008 legislation under the principle of higher responsibility.

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So Brand protection Company

The VdS has its brochure "Fire Protection in operation, Guidelines for Fire Protection "(VdS 2000) revisited. It contains a structured representation of the elements which belong to a fire protection plan and provides checklists as an aid.

task of the VdS, the abbreviation be translated as "trust through security" is research, advice and education on safety technology. Also certified to the General Association of German Insurers Association owned home furnishing products, companies and professionals.

lives in danger

revisited and revised, the brochure "Fire Protection in operation". In her is presented, who bears a responsibility for operating the fire protection. Fire protection is not only important because damage to equipment.

"fires almost always threaten human life," said engineer Alwine Hartwig. Companies to be reminded of their VdS also legal obligation to protect employees and customers from harm.

The fire-related failure of an operation can also very easily cost customers switching in today's highly competitive fast the provider. In companies there are approximately 50,000 fire damage, which together cost almost half a billion euros.

techniques and rules of conduct

In addition, the brochure four forms of fire protection, explained: structural, technical, operational and organizational fire protection. This easy to understand tutorials are offered to the subject and referred to the relevant standards, which must be observed.

Even if contractors are employed, the entrepreneur must protect their employees, but also special risks in mind, these companies bring with them. Finally, the fire behavior and actions are explained afterwards.

A sample checklist will help determine compliance with the essential requirements for fire protection systematically. Patterns for notices to show how employees are informed about fire safety. The 72-page brochure can be downloaded free of charge as PDF downloads .

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Riester Funds remain popular form of retirement savings

Some 40,000 Germans in the fourth quarter of 2010 Riester savings plan newly completed, as the Bundesverband Investment and Asset Management (BVI) recently announced.

According to the fund industry, the state-sponsored retirement savings with mutual funds remains popular among the population. Thus, the BVI had from September to December 2010 about 40 000 new contracts. Viewed on the year 2010, the number of Riester savings plans to about 185,000 contracts on 2.8 million has increased.

Driven by the strong performance in the capital markets, the assets of Riester contracts last year by about 50 percent to 7.4 billion euros increased, said the BVI with more.

insurance is most popular form Riester

addition Riester savings plans as further variants, Riester pension plans, savings plans Riester Bank and the so-called "Wohn-Riester" is offered. With the latter also owner-occupied housing in the state-sponsored pension plans is included.

Most often, the Riester savers opt for the insurance form: About 75 percent have this variant the state-sponsored retirement chosen, while almost a fifth of the fund has chosen variant. Bank savings plans and "Wohn-Riester" contracts are less common and occur only on small market shares.

How the shoe uppers

The state participates in a so-called Riester-Contract for a basic allowance of 154 € a year for screening every Riester-saver. 185 euros per year in addition there is money for every child eligible offspring. Are the children from 1 Born in January 2008, there are even 300 €. Up to 2,100 € a year are tax deductible. In order to get the full

promotion, one must However, at least four percent of last year's income subject to social insurance pay. For the contribution of the legislature a lower limit of 60 € a year, or five euro has set a month. The calculation of the own contribution share of each insurance agent is happy to help.

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is damaged a car by a garage door opens automatically, because the driver has complied with no safe distance from the gate, the garage owner is not responsible for the resulting damage. This was decided by the District Court of Munich with a recent ruling (Case No.: 23668/09 161 C).

The man had his car parked in the garage of a fitness studio. When he wanted to take the early hours of the garage, there was a mishap.

Of the perils of technology

The rolling door of the garage that is opened only when a sunken induction loop ran over. After the driver had run over the loop, the gate did not open but he went a bit farther. At that moment lifted the gate. It touched a protruding edge at the front of the vehicle, where damage was of almost 3,300 €.

His reasoned against the garage owners claimed damages of Car drivers, among other things, that the door in his opinion would have to open immediately after he had crossed the induction loop.

addition would in his view, the door with a so-called "dead-man switch" must be secured, the rolling mechanism stops when a resistance immediately. Because then it would not come to the damage.

safe distance

defended In the ensuing dispute, the gym so that the technology was intact and it has never come to vehicle damage. Besides, he adds, visitors to the studios was pointed out that the garage door after passing over the induction loop only after a time delay opening.

The studio felt therefore not responsible for the incident. And rightly so, said the Munich district court. It dismissed the damages claim of the owner as unfounded.

According to the court above conclusion on a roller door edges are quite common. Motorists who want to go through such a gate must therefore keep a safe distance.

Lack of patience

A garage owner is not obliged to make use of a technique that opens a gate immediately after driving over an induction loop. Rather, it can be expected that the user of a garage tolerated for a moment and wait until the mechanism in motion.

he does not do it in so grossly violated basic precautions that behind a possible fault of the garage owner to withdraw completely. Also, the fact that the door was not secured by a dead-man circuit founded, the Court finds no liability to the gym.

"The gate was closed that is visible to everyone. The situation is therefore not comparable to that in which endorses a goal back when a car is in the gate area, "says the court's opinion. The decision is now final.

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Expensive impatience with a clean slate in Flensburg premium

with zero points in Flensburg you can save money: In some insurers are there now that is a discount on car insurance.

A study by the Federal Highway Research Institute certified drivers with points in Flensburg, a higher accident probability.

accident probability increases with number of points

Who is a point in the index, already runs with more than twice as high accident probability.

For drivers with two points already this rises to 250 percent. With four points there are even 400 percent.

discount up to 25 percent

free points for motorists, with some insurers a premium discount in car insurance. For the granting of the rebate is part requires a certificate which is available as a form from the Federal Motor Vehicle Office.

The discount can be up to 25 percent. But beware: not necessarily lead to discounts cheapest insurance . In addition, should the services of a contained car contract such as the free co-insurance of a protective letter be included.

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Auto Accident protection for hospital patients

Who at the expense of public health insurance or pension will be treated in a hospital and there is an accident, accident insurance law. Then, the administrative BG (VBG) out.

All activities in connection with the medical and therapeutic rehabilitation in hospital or in rehab, are insured by their trade association. No matter whether it is to participate in medically prescribed therapies or by the distance from home to treatment facility and is back.

This applies to Clause 2, paragraph 1, point 15 SGB VII (Social Security Code VII) for those persons "who at the cost of health insurance or received by a holder of public pension or retirement fund a rural hospital or day-care treatment or inpatient, or outpatient services for rehabilitation. "

VBG is, according to the German statutory accident insurance (DGUV) for the rehabilitation and compensation for injuries suffered in the hospital responsible. By medical treatment or medical error, however you are not protected: These are in fact excluded from coverage, it turns out the VBG.

What to do in case of damage?

happens during therapy or the outward or Way back, an accident should notify patients or their families immediately, the staff of the hospital. Only then will the trade association can promptly provide the insurance benefits.

employees of VBG to answer questions on the accident insurance protection provided under the phone number 040/51462940. The nearest VBG district administration can be found on the website www.vbg.de / contact by specifying its own zip code.

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better financial situation of the health insurance

out the good economic performance of the labor market to higher income in the statutory health insurance (SHI) as initially predicted, as the estimator circuit recently said.

The estimator circuit, the experts of the Federal Insurance Office (BVA), Association of Statutory Health Insurance Funds and the Federal Ministry of Health (BMG) members charged, because of the improving economy with extra revenue. Compared to September 2010 it is currently in SHI addition of about 300 million € for 2010 and € 500 million for 2011.

The estimation results were found reportedly by mutual agreement. The 156 statutory health insurance funds flows, however, not more money than already promised. They go through additional contributions from individual cash receipts are not included in the calculations. The Ministry expects that in 2011 most health insurance companies must raise any additional contributions.

Half a billion euros more for the health fund in 2011

With 181.6 billion euros this year turn out the revenue of the health fund about 0.5 billion euros higher than last estimated. The allocations to the statutory health insurance funds will remain unchanged at € 178.9 billion.

This compares with expenditure of health insurance in the amount of an estimated 178.7 billion euros compared to. In this respect, the estimator circuit continues to expect that in 2011 the average expenditure of health insurance covered by allocations from the Health Fund be, it said.

in 2010 ran more than expected in the health fund

For 2010, the SHI-estimator circuit is now believed that the revenues are down the health fund with € 173.9 billion to about 0.3 billion euros higher than assessed yet in September 2010.

The expected expenditure of health insurance are likely to have amounted to € 172.1 billion. The allocations to the health insurance should be changed to reach € 170.3 billion, "so that the statutory minimum amount is reached in the liquidity reserve of the health fund with the annual results for 2010 already," say the experts.

liquidity reserve will also fund social compensation

not lead to legal requirements for the health fund windfall revenues to higher allocations to the health insurance, but are the liquidity reserve. The liquidity reserve should initially be up to the end of next year 20 percent of the monthly edition of the Health Fund, which is around three billion euros.

With the extra revenue is likely to have been legally required liquidity reserve fund for the health assessment of the group estimator reaches the end of 2010 take place until late 2012.

The liquidity reserve is used first to compensate less than a year fluctuations in income and unexpected loss of income. In addition to the social compensation and additional premiums for recipients of unemployment benefits in the years 2012 to 2014, funded from cash reserves.

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fear for retirement because of the crisis €

More than half (54 percent) of Germans believe that Germany will have more EU aid to other countries must provide. 44 percent expect that it will lead to high inflation in the euro countries. A large share of people expected in this regard with a downturn in terms of their pensions and savings. This was a recent poll by the German Institute for retirement (DIA).

81 percent of workers between 18 and 65 are concerned that the Euro crisis could have adverse effects on their retirement and 73 percent on their savings. Especially people in households with low incomes and are concerned about the age of 45, the result of the DIA survey. Overall, only 23 percent of respondents own little worried about the savings. For personal pensions, this applies even to only 18 percent.

poorer standard of living in retirement

In total, 70 percent of respondents expect to have to lower their standard of living in old age. 61 Percent believe coverage gaps have. The survey also showed that public confidence in the security of private and occupational pension is higher than in the legal protection. However

have claims to more than 19 percent of the workforce no private pension provision. Who wants to know specifically how high his pension gap - ie the difference between the last net earnings and the likely legal implications age - will be actual and pension products which make sense for him, are you experiences so with us! Please use our contact form .

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money save allowed backdating

Because the amount the Insurance Premium in the health and life insurance depends on how old the insured at inception was, can the back-dating or a so-called defined benefit insurance makes sense.

differs from the times of the contribution will be decisive, collective age of the true age. So begins the new life insurers in many years, six months before the birthday.

Many health insurance companies expect just the year of the insurance period minus year of birth.

requests costs nothing - and saves money

Therefore, it may be cheaper for new mortgages a life or health insurance a few months to be paid retroactively, in order to qualify for younger and maintain an appropriately reduced premium. Whether such backdating is worth, you can ask in obtaining the offer with the same.

pays in health insurance, it is also to take out insurance cheap vesting prior to the actual insurance. With a qualifying buyer acquires the right to take out insurance at a later date on the same terms as this would have been at the start of qualifying. One gets sometimes in a more favorable tariff age group.

How to stop the time The benefit can

conserved age and health of the insured - at least actuarially. Particularly useful is the upstream insurance when the private health insurance is not required until later, for example, officers or soldiers with temporary entitled to free medical care.

For this group of people also called small benefit offered. It saves a subsequent medical examination, while the actual achieved age into account at the beginning of insurance coverage.

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momentous strike

Who at a privately organized adoption of colleagues in an accident suffering is not, in principle protected by the statutory accident insurance. This is true even if the event is held in premises of the employer and a supervisor because, the Social Court in Berlin participating in a decision dated 9 December 2010 (file number: S 98 U 794/08).

A worker had visited together with many colleagues, an event in which several employees celebrated their strike. The event took place after work in the employer's premises, which could be used free of charge.

private character

On the way home from the celebration of the workers suffered an accident. He broke a lumbar vertebra. The consequences of this accident, he wanted to take his professional association to complete. refused, pointing to the private nature of the farewell party but from this it to provide insurance coverage.

The matter ended up before the Berlin social justice. There, the injured person suffered a defeat.

Basically, the court, is also a farewell party under the protection of the statutory accident insurance. Condition is that it is a joint business event is that is not only approved by the employer. Of them was in the case of the plaintiff but not likely.

only tolerated

Participation in the celebration was Although open to all employees. It was attended by many employees. After the conclusion of evidence, however, the farewell party was prepared independently by the participants, equipped and financed. From the employer of the injured it was merely tolerated, that it took place after hours in the operating rooms.

In the circumstances, therefore, were neither the party nor the way home under the protection of the statutory accident insurance. Also, the fact that evidence that a supervisor had participated in the ceremony does not change anything.

"For an event can only be met by the authority of management, if the organizer is not not only of their own accord and free decision, but in agreement with the company management or for that act, "the court said in its ruling.

which was based on the outcome of the inquiry but not likely. The action of the victim to his professional association was rejected as unfounded.

security for all cases

makes it an accident because of permanent health damage is not yet come to financial problems, you should not rely solely on the statutory accident insurance. Unlike the law provides a personal accident insurance protection around the world Clock, ie both in accidents at work and at play.

addition, the level of hedging on the individual needs and personal preferences are shaped. Insurable include cash benefits for accidental death or cosmetic surgery and a hospital benefit.

heart of a private accident insurance is particularly an arbitrary amount of capital and / or pension benefits in case of disability. This allows, for example, additional costs for accessible housing absorb and compensate for accidental income deficits.

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Unclear holiday amount of disease

leave entitlements after a long-lasting Disease remain only at the statutory minimum leave. Collective employment claims can fall, however. This is shown by a ruling of the Labour Court of Rheinland-Pfalz (Case No.: 10 Sat 244/10).

The verdict was based on a complaint from an employee who was in the period from June 2007 incapacitated for work by October 2009.

was armed by 20 days

Under the current collective agreement for the employee him to an annual leave entitlement of 30 working days. The collective bargaining parties had agreed that the claims lapsed when the holiday because of incapacity or for operational reasons until 31 May the following year could be offered.

In view of a decision of the European Court of Justice (ECJ) was the employer of the applicant willing to grant it its not taken holidays for the years 2007 and 2008 retrospectively. However, the calculation, only the statutory minimum holiday entitlement of 20 days per year are used.

The employee, however, considered that are not void due to the Court ruling and his accrued vacation pay scale. So he pulled against his employer in court. There, he wanted to get that to him for the years 2007 and 2008 subsequently ten additional days of leave.

Only claims at the statutory minimum leave

After the Labour Court had dismissed the action as unfounded, was also the appeal to the state labor court is not successful. According to the court is basically nothing wrong with that agreement shall take the Federal Holidays Act alternative arrangements for its staff to the minimum holiday.

The Court's ruling, not after the lapse during a chronic illness acquired holiday entitlement relates, in the opinion of the judges but only to the respective EU Member State applicable minimum stay.

"a tariff order for forfeiture of on statutory holiday entitlement and his compensation is according to the clear directive of the law and jurisprudence of the ECJ backed the other hand, no law prevents Union, "the court said in its ruling. The employer of the plaintiff, therefore it has subsequently correctly only 40, and not, as requested by it, granted 60 vacation days.

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full year and still included in their parents

is the 18th Age achieved was to make, in principle, any thoughts on whether he is correctly protected. In particular, a personal liability insurance, disability insurance and a reasonable provision for sickness and old age are important. But not everything has to be equal for a complete their contract.

young adults living with their parents or are placed in training, there are some insurance policies of father or mother, often a free co-insurance. Can save money without sacrificing the important insurance protection.

Free in private liability policy parents

In a personal liability policy with parents of legal age, unmarried children are more generally insured. The requirement is that they are still in the school or directly adjoining first professional training, such as teaching or studying there.

Also allows a fixed age limit that is specified in the contract conditions have not been reached. In many policies, for example, is a co-insurance up to the age of 25 Year of life possible.

Short interruptions of training by military or civilian service, internships or waiting to play on a training course usually does not matter. If the age limit is reached or completed the training, the coverage ends for the young adult and he needs its own policy.

legal expenses cover at no extra charge

If a private legal expenses insurance of parents, adult children also further protection under this Treaty, if they are unmarried and a certain age, often the 25th Age, have not yet reached. In addition, the young adults may have no permanent means of professional activity for which a performance-based remuneration is paid to pursue.

The salary for a training or BAföG for the study is not considered performance-related pay. Children are insured, therefore, during the study and training. This does not apply to those who practice regularly in addition to a degree for a job to earn money for living expenses.

Caution: When traffic the legal parents is the Co-insurance not. If a child has its own driver's license or have your own transport, should be completed, a separate driver or car ownership a traffic protection.

own four walls

The above arrangements for co-insurance for personal liability and personal-legal-insurance apply irrespective of the rule on whether the adult offspring with their parents live or already has her own apartment.

different with the household insurance. The belongings of the children, even if they are of legal age is insured through their parents' household insurance, as long as they still live at home. Once the young but will fledge and moves, a separate household with a contract.

principle should any change in the situation to the insurance agent are reported. Only this will ensure that will be recognized as such even after moving, the end of training or age of majority from the possible risks and secured. In addition, some insurers offer additional possibilities of legal age to include in existing contracts or cost to secure.

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you're poor, have to change the cash

An unemployment benefit II recipients who want to stay for personal reasons, a member of a specific public health insurance, even though, unlike many other fund, an additional premium charges, has no right to have the service provider to recover the increased health insurance contributions. This is shown by a decision of the Social Court Freiburg (Case No.: S 14 AS 3578/10). A visually impaired woman

related services since August 2006 to the basic security for jobseekers (unemployment benefit II). She was already studying in a specific health insurance health insurance.

possibility of switching insurance

In a cooperation partner of the health insurance, private insurance companies that they had entered into a supplemental insurance, the insured, among other things, the supply of spectacles was.

made from February 2010, the state insurance of the law prohibiting the possibility of imposing an additional fee of eight € use. Then the woman asked her performers to review the performance of the basic security for jobseekers by health insurance in addition to the calculated amount per month increase.

Noting that the woman would have difficulty in a different health insurance company can change, and makes no additional contribution from the service provider refused their request.

unreasonable request?

your directed against the rejection decision before the woman reasoned with the fact that They had therefore taken no change in cash consideration, because it relies as deficiencies should the benefits from the insurance.

Even if they should have with another insurer is also the possibility of entering into a private insurance, they should take when an insurer changes in any case, a new waiting period in purchasing. This they got satisfied with their previous insurance contract already. A change in her was therefore not reasonable.

saw the judges of the Court of Freiburg Social differently. They rejected the claim as unfounded. would

will of the legislature

to avoid the payment of an additional contribution the applicant to make use of its right of termination and change to another health insurance can. She did, however, refrain from personal reasons.

According to the court, the applicant has no right to have her being reimbursed by health insurance calculated additional contribution.

Raises a health insurance such a contribution, it is desired by the will of the legislature that the insured to terminate and switch to another health insurance. Because that is the purpose of the relevant provisions of the Social Code, which the cash to stimulate an economic behavior and a competition among themselves, should - according to the court.

No special hardship

A cash exchange is, thus, for welfare recipients no special hardship dar.

This is the opinion of the Court, even if the insured person for personal reasons, a private insurance completed and again when an insurer changes if necessary waiting times has to fulfill.

For the need of having to meet a certain waiting time, in the opinion of the judges typical of private insurance. They are therefore excluded from the usual different hardness, for which a service provider would have to stand up.

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billion deficit in the statutory social

The compulsory social security has experienced in the first nine months of 2010, a cash-moderate deficit of 3.9 billion euros, as the Federal Statistical Office (Destatis) is now announced. In statutory care and health insurance, there was a small surplus in each case, whereas had the statutory pension insurance and the Federal Employment Agency, a multibillion dollar deficit.

increased in the first three quarters of 2010, the revenue of the statutory social security by 5.0 percent to nearly € 377 billion. Spending rose slightly by 1.4 percent to just over 380 billion euros. Compared to the same period, the deficit between January September 2010 and decreased by 12.8 billion euros to 3.9 billion euros.

The main reason for the decline Destatis leads to the lower deficit of the Federal Employment Agency, which decreased by 13.3 billion euros to 2.5 billion euros. To statutory social security are the statutory health, care, accident and pension insurance, pensions for farmers and the Federal Agency for Employment (including pension funds).

zero-sum game in the long-term care

In the statutory health insurance (SHI) increased revenue, including the higher federal funding of the health fund 11.8 billion euros, up 3.4 percent to € 132.6 billion, while spending increased by 3.6 percent to 131.5 billion euros. The surplus declined to 0.3 billion euros to 1.1 billion euros.

held in the mandatory insurance, the revenue and expenditure of 16 billion euros in the balance after it had been in the same period of last year still a surplus of 0.6 billion euros. Spending rose by six percent to almost three times as much as the revenue of 2.3 percent.

pensions in negative territory

The revenues of the statutory pension insurance increased year on year by 2.2 percent to 183 billion euros. Spending rose by 2.1 percent to € 185.7 billion, resulting in a deficit of 2.7 billion euros. The minus is compared with the first nine months of 2009 by 0.2 billion € have become smaller.

The Federal Statistical Office points out that using data from the first three quarters because of the strong in-year fluctuations in revenues and expenditures no conclusions could be drawn on the annual results.

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premium benefits for young adults

18 - to 24-year-old insured by several insurance companies at discounted premiums.

The so-called "young people" fares are the most common in the insurance business personal liability, household, accident and legal protection .

The premium savings is on these offers always temporary. From the age of 25 years for the no longer quite so young customers are the normal rates. Note

What

Sometimes is limited for the entry-rates of insurance coverage. Thus, in the private liability insurance partners and sometimes children are not automatically covered. In the household insurance, the protection of valuables to the standard for this industry are limited.

Whether a cheaper "young people" despite the discount rate than with other companies without discount depends on the individual case. Gladly we help you continue it.

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Despite the cold and snow are working safely outdoors

was in December 2009 and January and February 2010, more than 22,000 in some serious accidents on German construction sites. Many of them could trade association of construction industry (BG Bau), according be avoided, if care workers and companies for better personal protection against the cold and a safer working environment would.

Wintry conditions cause particular tobogganists skiers and pleasure. On construction sites, mean snow, ice and cold, wet weather, however a significantly higher risk of accidents. For thanks to modern technical methods will continue to work well in freezing temperatures.

employers must prevent

Many accidents occur in winter, according to BG Construction on slippery floors of site roads, through ice, snow or rain or insufficient lighting. Employers need to identify emerging threats to workers and make appropriate safety measures.

example, may not work is carried out on icy scaffolding. Also can not walk roofs, such as corrugated plates or glass domes are covered with snow. These should be clearly marked so that no one falls through.

The right clothing makes

In winter, the sick leave is traditionally higher than in the warmer months. The reason: In the often windy sites can quickly become intractable colds, chronic diseases of the respiratory system or cause a worsening of already existing back or joint problems.

With the proper winter clothing can prevent such diseases, but effective. The clothes should be able to derive moisture to the outside, to prevent cooling of the body, advises the BG Construction.

chill from top to bottom

Important for the temperature regulation is the right combination of weather resistant jacket and pants - for example, microfibers, matched with appropriate undergarments, the construction of BG. Because then allows the clothes optimal air and heat exchange between the body and the environment.

As cold protection for the head of the Professional Association recommends a combination of helmet and matching winter hats for subjecting. By using appropriate safety footwear soles can slip accidents.

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protection against natural hazards

The last few weeks have shown it: Snow and floods in many homes and left to their destructive mark. The right insurance protection is provided that such natural phenomena not also be a financial disaster.

Still there may be heavy snowfall. House and apartment owners should take in this case, a regular look at the roof. The snow may cause deformation, cracks, or at worst, lead to the collapse of the roof when the snow is too high. can

floods and heavy rain there all year round. Damage caused by such natural phenomena are regarded as natural or natural disasters.

protection against natural forces

In a building insurance, these types of damage is usually covered only if damage by the elements were insured. The same also applies to the household insurance policy.

The co-insurance of natural hazards, risks arising from the snow, floods and heavy rain, but also by avalanche, earthquake, sinkhole, landslide or volcanic eruption is usually possible for a small fee.

As an alternative, a separate non-life insurance unit to be completed.

initiative helps prevent damage

In addition, make each one of protection and prevention measures such as flood against and snow load. For example, the brochure informs the land is under - Protection against flooding and high water "of the GDV on measures before and after a flood.

From Bavarian State Ministry of the Interior there is the internet more help and information sheets as the "flood Checklist" and " snow on roofs - Tips for homeowners . What structural protection and prevention measures against floods are sensible, in the "Guide flood" of the Federal Ministry of Transport, Building and Urban Development found.

basically advises the General Association of German Insurers eV (GDV) in snow, the weight of the white Splendor not to be underestimated. A ten-centimeter thick layer of snow, depending on the degree of ice and water content, more than 100 kilograms per square meter weigh.

Not to act rashly

If you are not sure if the roof still bears the burden should be, a local roofer guild operation or fire departments will be asked. In no case should house and apartment owners certainly try to climb onto the roof to shovel the snow on their own layers of gable.

For questions, how can one's own belongings including against potential natural hazards, please use our contact form on the right.