{"id":1416,"date":"2021-06-28T18:29:28","date_gmt":"2021-06-28T16:29:28","guid":{"rendered":"https:\/\/vorsorge.bav.digital\/bbg\/?page_id=1416"},"modified":"2025-10-15T11:31:22","modified_gmt":"2025-10-15T09:31:22","slug":"bbu-ksp","status":"publish","type":"page","link":"https:\/\/vorsorge.bav.digital\/bbg\/bbu-ksp\/","title":{"rendered":"betriebliche Berufsunf\u00e4higkeitsvorsorge mit KSP"},"content":{"rendered":"<div id='full_slider_1'  class='avia-fullwidth-slider main_color avia-shadow   avia-builder-el-0  el_before_av_section  avia-builder-el-first   container_wrap sidebar_right'  ><div  class='avia-slideshow av-3azdf3c-79876695de3095152a4c3e580d2b5a2c avia-slideshow-no scaling av_slideshow_full avia-fade-slider av-slideshow-ui av-control-hidden av-no-slider-navigation av-hide-nav-arrows av-slideshow-manual av-loop-once av-loop-manual-endless av-default-height-applied   avia-slideshow-1' data-slideshow-options=\"{&quot;animation&quot;:&quot;fade&quot;,&quot;autoplay&quot;:false,&quot;loop_autoplay&quot;:&quot;once&quot;,&quot;interval&quot;:100,&quot;loop_manual&quot;:&quot;manual-endless&quot;,&quot;autoplay_stopper&quot;:false,&quot;noNavigation&quot;:true,&quot;bg_slider&quot;:false,&quot;keep_padding&quot;:false,&quot;hoverpause&quot;:false,&quot;show_slide_delay&quot;:0}\"  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><ul class='avia-slideshow-inner ' style='padding-bottom: 31.5234375%;'><li  class='avia-slideshow-slide av-3azdf3c-79876695de3095152a4c3e580d2b5a2c__0  av-single-slide slide-1 slide-odd'><div data-rel='slideshow-1' class='avia-slide-wrap '   ><img decoding=\"async\" class=\"wp-image-1379 avia-img-lazy-loading-not-1379\"  src=\"https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/header-bu-scaled.jpg\" width=\"2560\" height=\"807\" title='Header-BU' alt=''  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/header-bu-scaled.jpg 2560w, https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/header-bu-300x95.jpg 300w, https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/header-bu-1030x325.jpg 1030w, https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/header-bu-768x242.jpg 768w, https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/header-bu-1536x484.jpg 1536w, https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/header-bu-2048x646.jpg 2048w, https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/header-bu-1500x473.jpg 1500w, https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/header-bu-705x222.jpg 705w, https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/header-bu-450x142.jpg 450w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/div><\/li><\/ul><\/div><\/div>\n<div id='was-ist-bu'  class='avia-section av-36mbp54-9887ebb52aa5b0a8f7643c72b9be08f8 main_color avia-section-default avia-no-shadow  avia-builder-el-1  el_after_av_slideshow_full  el_before_av_section  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-1416'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-bdeyy0-3e208fea3eafde8969025500f387187c\">\n.flex_column.av-bdeyy0-3e208fea3eafde8969025500f387187c{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-bdeyy0-3e208fea3eafde8969025500f387187c av_one_half  avia-builder-el-2  el_before_av_one_half  avia-builder-el-first  first flex_column_div av-zero-column-padding '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-342axvs-96f0b87ac62d31a01de6e5ef73724c66\">\n#top .hr.hr-invisible.av-342axvs-96f0b87ac62d31a01de6e5ef73724c66{\nheight:15px;\n}\n<\/style>\n<div  class='hr av-342axvs-96f0b87ac62d31a01de6e5ef73724c66 hr-invisible  avia-builder-el-3  el_before_av_heading  avia-builder-el-first '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-32jerwo-feafd8d6a44a60640a6cf90ce0209530\">\n#top .av-special-heading.av-32jerwo-feafd8d6a44a60640a6cf90ce0209530{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-32jerwo-feafd8d6a44a60640a6cf90ce0209530 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-32jerwo-feafd8d6a44a60640a6cf90ce0209530 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-32jerwo-feafd8d6a44a60640a6cf90ce0209530 av-special-heading-h2 blockquote modern-quote  avia-builder-el-4  el_after_av_hr  el_before_av_textblock '><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >Ihre betriebliche Berufsunf\u00e4higkeitsvorsorge<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-311i6so-fdf99ca572f1a804a57e267af92bf028'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Die Berufsunf\u00e4higkeit kann jeden treffen, unabh\u00e4ngig von Alter, Geschlecht oder T\u00e4tigkeit. Statistisch gesehen wird\u00a0<strong>jede:r vierte<\/strong> Arbeitnehmer:in im Laufe des Arbeitslebens komplett oder zumindest zeitweise berufsunf\u00e4hig.<\/p>\n<\/div><\/section><br \/>\n<div  class='avia-button-wrap av-2yhh7tk-c8da83486592476025637b015f9b9ba0-wrap avia-button-left  avia-builder-el-6  el_after_av_textblock  avia-builder-el-last '><a href='https:\/\/vorsorge.bav.digital\/bbg\/kontakt\/'  class='avia-button av-2yhh7tk-c8da83486592476025637b015f9b9ba0 avia-icon_select-no avia-size-medium avia-position-left avia-color-theme-color'  ><span class='avia_iconbox_title' >Kontakt aufnehmen<\/span><\/a><\/div><\/p><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-2xt50m0-01b3803142e0fa340d3f5231a339b0c5\">\n.flex_column.av-2xt50m0-01b3803142e0fa340d3f5231a339b0c5{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-2xt50m0-01b3803142e0fa340d3f5231a339b0c5 av_one_half  avia-builder-el-7  el_after_av_one_half  avia-builder-el-last  flex_column_div av-zero-column-padding '     ><p><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-2tdsrzc-1b20a00c059f98cf84570b931d9e9a67\">\n#top .av_textblock_section.av-2tdsrzc-1b20a00c059f98cf84570b931d9e9a67 .avia_textblock{\ncolor:#0f457f;\n}\n<\/style>\n<section  class='av_textblock_section av-2tdsrzc-1b20a00c059f98cf84570b931d9e9a67'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock av_inherit_color'  itemprop=\"text\" ><p>Ihre Einkommenssicherung &#8211; Film ab!<\/p>\n<\/div><\/section><\/p><\/div>\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='ursachen'  class='avia-section av-2s1jdoo-f7757dc6285462571ae43c45cab7b1f0 main_color avia-section-default avia-no-shadow  avia-builder-el-10  el_after_av_section  el_before_av_section  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-1416'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-2pvhvpk-502c4cd423c3e9a5a1be1a50765eb4ae\">\n.flex_column.av-2pvhvpk-502c4cd423c3e9a5a1be1a50765eb4ae{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-2pvhvpk-502c4cd423c3e9a5a1be1a50765eb4ae av_one_half  avia-builder-el-11  el_before_av_one_half  avia-builder-el-first  first flex_column_div av-zero-column-padding '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-2p8jemg-c2ddf85a70c0d73aaeac0a6263e5f4e5\">\n.avia-image-container.av-2p8jemg-c2ddf85a70c0d73aaeac0a6263e5f4e5 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-2p8jemg-c2ddf85a70c0d73aaeac0a6263e5f4e5 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-2p8jemg-c2ddf85a70c0d73aaeac0a6263e5f4e5 av-styling- avia-align-center  avia-builder-el-12  avia-builder-el-no-sibling '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" class='wp-image-1417 avia-img-lazy-loading-not-1417 avia_image ' src=\"https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/bu-ursachen.jpg\" alt='' title='BU Ursachen'  height=\"541\" width=\"960\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/bu-ursachen.jpg 960w, https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/bu-ursachen-300x169.jpg 300w, https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/bu-ursachen-768x433.jpg 768w, https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/bu-ursachen-705x397.jpg 705w, https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/bu-ursachen-450x254.jpg 450w\" sizes=\"(max-width: 960px) 100vw, 960px\" \/><\/div><\/div><\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-2ne0ux4-83ea7aebcc751558f6d2148d4f2d9f48\">\n.flex_column.av-2ne0ux4-83ea7aebcc751558f6d2148d4f2d9f48{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-2ne0ux4-83ea7aebcc751558f6d2148d4f2d9f48 av_one_half  avia-builder-el-13  el_after_av_one_half  avia-builder-el-last  flex_column_div av-zero-column-padding '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-2m1cgi0-67c2f0855c9bbad1cb0a388a8a50d7af\">\n#top .hr.hr-invisible.av-2m1cgi0-67c2f0855c9bbad1cb0a388a8a50d7af{\nheight:20px;\n}\n<\/style>\n<div  class='hr av-2m1cgi0-67c2f0855c9bbad1cb0a388a8a50d7af hr-invisible  avia-builder-el-14  el_before_av_heading  avia-builder-el-first '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-99722w-53adf723053a3d47db01e9396fa384af\">\n#top .av-special-heading.av-99722w-53adf723053a3d47db01e9396fa384af{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-99722w-53adf723053a3d47db01e9396fa384af .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-99722w-53adf723053a3d47db01e9396fa384af .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-99722w-53adf723053a3d47db01e9396fa384af av-special-heading-h2 blockquote modern-quote  avia-builder-el-15  el_after_av_hr  el_before_av_textblock '><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >Ursachen f\u00fcr die Berufsunf\u00e4higkeit<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-2i22phk-865dc0bf447fc176b6722000514dc71a'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Auch im B\u00fcro lauern Gefahren. Seit 2010 sind nicht mehr Erkrankungen am Bewegungsapparat die h\u00e4ufigste Ursache f\u00fcr eine Berufsunf\u00e4higkeit, sondern psychische Gr\u00fcnde wie etwa Depressionen oder Burn-out. Knapp jede dritte Person, die heute berufsunf\u00e4hig wird, muss wegen psychischer Erkrankungen den ausge\u00fcbten Beruf aufgeben.<\/p>\n<\/div><\/section><\/p><\/div>\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='status-quo'  class='avia-section av-2grwjiw-d66c7e0173b50d103d6d70f934d46c1b main_color avia-section-default avia-no-shadow  avia-builder-el-17  el_after_av_section  el_before_av_section  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-1416'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-2fk6wag-24d1c3bdd30342e01a55854b108ef99e\">\n.flex_column.av-2fk6wag-24d1c3bdd30342e01a55854b108ef99e{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-2fk6wag-24d1c3bdd30342e01a55854b108ef99e av_one_half  avia-builder-el-18  el_before_av_one_half  avia-builder-el-first  first flex_column_div av-zero-column-padding '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-2cppc7s-b4686dea3e8f1ccefed0b364e48caa3b\">\n#top .av-special-heading.av-2cppc7s-b4686dea3e8f1ccefed0b364e48caa3b{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-2cppc7s-b4686dea3e8f1ccefed0b364e48caa3b .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-2cppc7s-b4686dea3e8f1ccefed0b364e48caa3b .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-2cppc7s-b4686dea3e8f1ccefed0b364e48caa3b av-special-heading-h2 blockquote modern-quote  avia-builder-el-19  el_before_av_textblock  avia-builder-el-first '><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >Die staatliche Absicherung reicht nicht aus<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-2bgcys8-d3772e2304a3e4c4a99d43ae89b1ce84'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p class=\"defaultFont\"><span class=\"FLIESSTEXT\">Wer aus gesundheitlichen Gr\u00fcnden seinen Job aufgeben muss und gesetzlich rentenversichert ist, hat nur noch Anspruch auf eine Erwerbsminderungsrente vom Staat. Sie bekommen eine gesetzliche Erwerbsminderungsrente (EMI-Rente), wenn Sie wegen Krankheit oder Behinderung nur noch weniger als sechs Stunden t\u00e4glich eine T\u00e4tigkeit auf dem allgemeinen Arbeitsmarkt ausf\u00fchren k\u00f6nnen. Der bisher ausge\u00fcbte Beruf und die bisherige Ausbildung werden dabei nicht ber\u00fccksichtigt. Zudem muss die Wartezeit erf\u00fcllt sein, die grunds\u00e4tzlich f\u00fcnf Jahre betr\u00e4gt.<br \/>\n<\/span><\/p>\n<p class=\"defaultFont\"><span class=\"FLIESSTEXT\">K\u00f6nnen Sie bis zu drei Stunden t\u00e4glich arbeiten, bekommen Sie die volle Erwerbsminderungsrente. Diese betr\u00e4gt etwa ein Drittel Ihres letzten Bruttogehalts (unter Ber\u00fccksichtigung gesetzlich festgelegter Grenzen).<\/span><\/p>\n<p class=\"defaultFont\"><span class=\"FLIESSTEXT\">K\u00f6nnen Sie drei bis sechs Stunden pro Tag arbeiten, erhalten Sie die H\u00e4lfte der vollen Erwerbsminderungsrente.<\/span><\/p>\n<\/div><\/section><\/p><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-29smz3c-4ccdaca9850846a8b22eb6329ac0a278\">\n.flex_column.av-29smz3c-4ccdaca9850846a8b22eb6329ac0a278{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-29smz3c-4ccdaca9850846a8b22eb6329ac0a278 av_one_half  avia-builder-el-21  el_after_av_one_half  el_before_av_one_full  flex_column_div av-zero-column-padding '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-28rs8qw-88d9f0307cca55ee3f31e6821a009e47\">\n#top .hr.hr-invisible.av-28rs8qw-88d9f0307cca55ee3f31e6821a009e47{\nheight:40px;\n}\n<\/style>\n<div  class='hr av-28rs8qw-88d9f0307cca55ee3f31e6821a009e47 hr-invisible  avia-builder-el-22  el_before_av_image  avia-builder-el-first '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-260mxdk-09cea665e85dc4745d5d9b7197f04381\">\n.avia-image-container.av-260mxdk-09cea665e85dc4745d5d9b7197f04381 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-260mxdk-09cea665e85dc4745d5d9b7197f04381 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-260mxdk-09cea665e85dc4745d5d9b7197f04381 av-styling- avia-align-center  avia-builder-el-23  el_after_av_hr  avia-builder-el-last '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" class='wp-image-1418 avia-img-lazy-loading-not-1418 avia_image ' src=\"https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/bu-fall.jpg\" alt='' title='BU Fall'  height=\"541\" width=\"960\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/bu-fall.jpg 960w, https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/bu-fall-300x169.jpg 300w, https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/bu-fall-768x433.jpg 768w, https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/bu-fall-705x397.jpg 705w, https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/bu-fall-450x254.jpg 450w\" sizes=\"(max-width: 960px) 100vw, 960px\" \/><\/div><\/div><\/div><\/p><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-24puons-3a6156b2278eac61df1f3ee6278ddfc6\">\n.flex_column.av-24puons-3a6156b2278eac61df1f3ee6278ddfc6{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-24puons-3a6156b2278eac61df1f3ee6278ddfc6 av_one_full  avia-builder-el-24  el_after_av_one_half  avia-builder-el-last  first flex_column_div av-zero-column-padding column-top-margin'     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-242lx7c-00704cd5ae0bc1b0bb6d0dd34ceb0ce1\">\n.iconbox.av-242lx7c-00704cd5ae0bc1b0bb6d0dd34ceb0ce1 .iconbox_content_container{\ncolor:#0f457f;\n}\n<\/style>\n<article  class='iconbox iconbox_left av-242lx7c-00704cd5ae0bc1b0bb6d0dd34ceb0ce1  avia-builder-el-25  el_before_av_textblock  avia-builder-el-first '  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconbox_content\"><header class=\"entry-content-header\"><div class=\"iconbox_icon heading-color\" aria-hidden='true' data-av_icon='\ue81f' data-av_iconfont='entypo-fontello'><\/div><h3 class='iconbox_content_title '  itemprop=\"headline\" >Wichtig<\/h3><\/header><div class='iconbox_content_container av_inherit_color'  itemprop=\"text\" ><p><em><span class=\"FLIESSTEXT\">Es besteht ein elementarer Unterschied zwischen Berufs- und Erwerbsunf\u00e4higkeit. Jemand der berufsunf\u00e4hig ist, ist nicht zwangsl\u00e4ufig auch erwerbsunf\u00e4hig. Wer zwar seinen urspr\u00fcnglichen Beruf nicht mehr aus\u00fcben kann, aber durchaus einer anderen Erwerbst\u00e4tigkeit nachgehen kann, ist berufsunf\u00e4hig, aber nicht erwerbsunf\u00e4hig.<\/span><\/em><\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><br \/>\n<section  class='av_textblock_section av-216qfag-475c0e45254ec07cb95e0812a8423a32'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p class=\"defaultFont\"><span class=\"FLIESSTEXT\">Rund 400.000 gesetzlich Versicherte beantragen j\u00e4hrlich eine erste Erwerbsminderungsrente* (*Angaben der gesetzlichen Rentenversicherung), bewilligt werden nur ca. 40 % dieser Antr\u00e4ge.<\/span><\/p>\n<p class=\"defaultFont\"><span class=\"FLIESSTEXT\">Auch die Arbeitnehmer:innen, die eine Erwerbsminderungsrente erhalten, sind durch den Staat finanziell nicht ausreichend abgesichert. Im Jahr 2019 betrug die durchschnittliche Rentenh\u00f6he bei Erwerbsminderung 812 Euro im Monat, die ermittelte Armutsgrenze bei 1.040 Euro im Monat.<\/span><\/p>\n<p><strong>K\u00f6nnen Sie davon leben?<\/strong><\/p>\n<\/div><\/section><\/p><\/div>\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='was-bedeutet-das'  class='avia-section av-20pea5k-4a000879627a21e29cc6088117ae3215 main_color avia-section-default avia-no-shadow  avia-builder-el-27  el_after_av_section  el_before_av_section  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-1416'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-71497s-b057d431d5eb1bf7a34b8261b7c36af6\">\n.flex_column.av-71497s-b057d431d5eb1bf7a34b8261b7c36af6{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-71497s-b057d431d5eb1bf7a34b8261b7c36af6 av_one_half  avia-builder-el-28  el_before_av_one_half  avia-builder-el-first  first flex_column_div av-zero-column-padding '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-1x82blk-cf6e67d856bfe41c0726639d8c03d4eb\">\n#top .hr.hr-invisible.av-1x82blk-cf6e67d856bfe41c0726639d8c03d4eb{\nheight:40px;\n}\n<\/style>\n<div  class='hr av-1x82blk-cf6e67d856bfe41c0726639d8c03d4eb hr-invisible  avia-builder-el-29  el_before_av_image  avia-builder-el-first '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-1ueg9s8-74887ad69ceab2f9eb56116c2675785b\">\n.avia-image-container.av-1ueg9s8-74887ad69ceab2f9eb56116c2675785b img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-1ueg9s8-74887ad69ceab2f9eb56116c2675785b .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-1ueg9s8-74887ad69ceab2f9eb56116c2675785b av-styling- avia-align-center  avia-builder-el-30  el_after_av_hr  avia-builder-el-last '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" class='wp-image-1419 avia-img-lazy-loading-not-1419 avia_image ' src=\"https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/eigenbeitrag-webseite-bu.jpg\" alt='' title='Eigenbeitrag Webseite BU'  height=\"399\" width=\"591\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/eigenbeitrag-webseite-bu.jpg 591w, https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/eigenbeitrag-webseite-bu-300x203.jpg 300w, https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/eigenbeitrag-webseite-bu-450x304.jpg 450w\" sizes=\"(max-width: 591px) 100vw, 591px\" \/><\/div><\/div><\/div><\/p><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-1sy41zs-5543f420023748dc35d27e45ae153fc1\">\n.flex_column.av-1sy41zs-5543f420023748dc35d27e45ae153fc1{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-1sy41zs-5543f420023748dc35d27e45ae153fc1 av_one_half  avia-builder-el-31  el_after_av_one_half  avia-builder-el-last  flex_column_div av-zero-column-padding '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-1sevr5k-05a434c80c8f1ae4f049beaf4655ccd6\">\n#top .av-special-heading.av-1sevr5k-05a434c80c8f1ae4f049beaf4655ccd6{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-1sevr5k-05a434c80c8f1ae4f049beaf4655ccd6 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-1sevr5k-05a434c80c8f1ae4f049beaf4655ccd6 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-1sevr5k-05a434c80c8f1ae4f049beaf4655ccd6 av-special-heading-h2 blockquote modern-quote  avia-builder-el-32  el_before_av_textblock  avia-builder-el-first '><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >Was bedeutet das f\u00fcr Sie?<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-68vnzs-1786febbbc890505068c4ab531927d64'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p class=\"defaultFont\"><span class=\"FLIESSTEXT\">Auch unabh\u00e4ngige Verbraucherschutzverb\u00e4nde empfehlen dringend den Abschluss einer betrieblichen Einkommenssicherung. Au\u00dferdem gilt: Je fr\u00fcher Sie sich f\u00fcr eine Einkommenssicherung entscheiden, desto geringer sind die Beitr\u00e4ge.<\/span><\/p>\n<p class=\"defaultFont\"><span class=\"FLIESSTEXT\">Eine M\u00f6glichkeit sind private Vertr\u00e4ge. Die sind allerdings oft sehr teuer oder die Aufnahme scheitert an Vorerkrankungen durch eine Vielzahl von Gesundheitsfragen.<\/span><\/p>\n<p class=\"defaultFont\"><span class=\"FLIESSTEXT\">Die Berufsunf\u00e4higkeitsversicherung \u00fcber Ihren Arbeitgeber bietet hier die L\u00f6sung. Zum einen hat Ihr Arbeitgeber die M\u00f6glichkeit, spezielle Sonderkonditionen zu erhalten. Zum anderen bekommen Sie einen Zuschuss vom Staat, indem der Beitrag aus Ihrem Bruttogehalt gezahlt wird. Dadurch sparen Sie Steuer- und Sozialversicherungsbeitr\u00e4ge. Zus\u00e4tzlich legt Ihr Arbeitgeber noch einen Zuschuss obendarauf.<\/span><\/p>\n<p class=\"defaultFont\"><span class=\"FLIESSTEXT\">Hinzu kommt, dass die Gesundheitsfragen bei der BU-Versicherung \u00fcber Ihren Arbeitgeber stark reduziert sind. Das bedeutet, auch Kollegen und Kolleginnen mit einer Vorerkrankung haben nun die M\u00f6glichkeit, sich f\u00fcr den BU-Fall abzusichern.<\/span><\/p>\n<\/div><\/section><\/p><\/div>\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='bbu-ksp-vergleich'  class='avia-section av-1p3g77c-f7a0ea7e424c44ea4f4cc6061917a5e8 main_color avia-section-default avia-no-shadow  avia-builder-el-34  el_after_av_section  el_before_av_section  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-1416'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-1mqxxlk-055cd1ad84ee1093fd1389868614a4c0\">\n#top .av-special-heading.av-1mqxxlk-055cd1ad84ee1093fd1389868614a4c0{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-1mqxxlk-055cd1ad84ee1093fd1389868614a4c0 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-1mqxxlk-055cd1ad84ee1093fd1389868614a4c0 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-1mqxxlk-055cd1ad84ee1093fd1389868614a4c0 av-special-heading-h2 blockquote modern-quote  avia-builder-el-35  el_before_av_textblock  avia-builder-el-first '><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >M\u00f6glichkeiten zur Absicherung<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n<section  class='av_textblock_section av-1lsbshk-acd8e8de36881c3379b70f81bc2174b1'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Sie haben zwei M\u00f6glichkeiten, um sich gegen die Berufsunf\u00e4higkeit abzusichern: zum einen die betriebliche Berufsunf\u00e4higkeitsversicherung (bBU), zum anderen die K\u00f6rperschutzpolice (KSP). Ihr Arbeitgeber unterst\u00fctzt Sie bei beiden Formen mit einem Arbeitgeberzuschuss in H\u00f6he von [Prozentsatz] %.<\/p>\n<\/div><\/section>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-1ixn5s8-d994df706fa7a578d6b144806f2e282a\">\n.flex_column.av-1ixn5s8-d994df706fa7a578d6b144806f2e282a{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-1ixn5s8-d994df706fa7a578d6b144806f2e282a av_one_half  avia-builder-el-37  el_after_av_textblock  el_before_av_one_half  first flex_column_div av-zero-column-padding column-top-margin'     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-5ggnag-c743bd4b4dd8e309703b17a715f82553\">\n#top .av-special-heading.av-5ggnag-c743bd4b4dd8e309703b17a715f82553{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-5ggnag-c743bd4b4dd8e309703b17a715f82553 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-5ggnag-c743bd4b4dd8e309703b17a715f82553 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-5ggnag-c743bd4b4dd8e309703b17a715f82553 av-special-heading-h3 blockquote modern-quote  avia-builder-el-38  el_before_av_textblock  avia-builder-el-first '><h3 class='av-special-heading-tag'  itemprop=\"headline\"  >F\u00fcr wen eignet sich eine Berufsunf\u00e4higkeitsversicherung?<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-1g2b614-e94b3b11440a002c50afb0246215d6a5'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Wenn Sie \u00fcberwiegend im kaufm\u00e4nnischen Bereich arbeiten, sollten Sie auf eine BU-Versicherung zur\u00fcckgreifen. Denn auch im B\u00fcro lauern Gefahren. Seit 2010 sind nicht mehr Erkrankungen am Bewegungsapparat die h\u00e4ufigste Ursache f\u00fcr eine Berufsunf\u00e4higkeit, sondern psychische Gr\u00fcnde wie etwa Depressionen oder Burn-out. Knapp jede dritte Person, die heute berufsunf\u00e4hig wird, muss wegen psychischer Erkrankungen den ausge\u00fcbten Beruf aufgeben.<\/p>\n<\/div><\/section><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-1enqlwo-53fb2d903be1e85bf91c67abb0f71e4f\">\n#top .av-special-heading.av-1enqlwo-53fb2d903be1e85bf91c67abb0f71e4f{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-1enqlwo-53fb2d903be1e85bf91c67abb0f71e4f .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-1enqlwo-53fb2d903be1e85bf91c67abb0f71e4f .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-1enqlwo-53fb2d903be1e85bf91c67abb0f71e4f av-special-heading-h3 blockquote modern-quote  avia-builder-el-40  el_after_av_textblock  el_before_av_textblock '><h3 class='av-special-heading-tag'  itemprop=\"headline\"  >F\u00fcr wen eignet sich eine K\u00f6rperschutzpolice?<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-1cb24jc-ba0471abd9cde5dc97891d42206e89ea'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p class=\"defaultFont\"><span class=\"FLIESSTEXT\">Wenn Sie gr\u00f6\u00dftenteils k\u00f6rperlich oder handwerklich t\u00e4tig sind, ben\u00f6tigen Sie eine leistungsstarke Absicherung Ihrer Arbeitskraft. Weil Berufe in diesem Umfeld im Rahmen einer Berufsunf\u00e4higkeits-Abdeckung sehr teuer sind, bietet die K\u00f6rperschutzpolice eine preisg\u00fcnstige Alternative.<\/span><\/p>\n<p class=\"defaultFont\"><span class=\"FLIESSTEXT\">Versichert werden wichtige k\u00f6rperliche und geistige F\u00e4higkeiten wie z. B. Gehen, Heben, Tragen, den Gebrauch einer Hand oder Sehen, Sprechen etc.<\/span><\/p>\n<p class=\"defaultFont\"><span class=\"FLIESSTEXT\">Wenn Ihnen die Absicherung Ihrer konkreten T\u00e4tigkeit wichtig ist, k\u00f6nnen Sie nat\u00fcrlich auch eine BU-Versicherung abschlie\u00dfen.<\/span><\/p>\n<\/div><\/section><\/p><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-1byfiso-efd2dcd9147e89a1a15e38cbe063d3fb\">\n.flex_column.av-1byfiso-efd2dcd9147e89a1a15e38cbe063d3fb{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-1byfiso-efd2dcd9147e89a1a15e38cbe063d3fb av_one_half  avia-builder-el-42  el_after_av_one_half  avia-builder-el-last  flex_column_div av-zero-column-padding column-top-margin'     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-195e9fs-80ad0fabb29326d7cd61787a104a8e17\">\n.avia-image-container.av-195e9fs-80ad0fabb29326d7cd61787a104a8e17 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-195e9fs-80ad0fabb29326d7cd61787a104a8e17 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-195e9fs-80ad0fabb29326d7cd61787a104a8e17 av-styling- avia-align-center  avia-builder-el-43  avia-builder-el-no-sibling '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" class='wp-image-1420 avia-img-lazy-loading-not-1420 avia_image ' src=\"https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/bu-ksp-vergleich-1030x772.jpg\" alt='' title='BU-KSP-Vergleich'  height=\"772\" width=\"1030\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/bu-ksp-vergleich-1030x772.jpg 1030w, https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/bu-ksp-vergleich-300x225.jpg 300w, https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/bu-ksp-vergleich-768x576.jpg 768w, https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/bu-ksp-vergleich-1536x1152.jpg 1536w, https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/bu-ksp-vergleich-1500x1125.jpg 1500w, https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/bu-ksp-vergleich-705x529.jpg 705w, https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/bu-ksp-vergleich-450x337.jpg 450w, https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/bu-ksp-vergleich.jpg 1667w\" sizes=\"(max-width: 1030px) 100vw, 1030px\" \/><\/div><\/div><\/div><\/div>\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='vorteile'  class='avia-section av-1897kh4-4373d9c78b7d4d58df62cf9134d5422a main_color avia-section-default avia-no-shadow  avia-builder-el-44  el_after_av_section  el_before_av_section  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-1416'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-15zee8o-887ffaa6bb7ef54064d90a6a36dcf364\">\n.flex_column.av-15zee8o-887ffaa6bb7ef54064d90a6a36dcf364{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-15zee8o-887ffaa6bb7ef54064d90a6a36dcf364 av_one_full  avia-builder-el-45  el_before_av_one_half  avia-builder-el-first  first flex_column_div av-zero-column-padding '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-14dx7i0-b8c8e2a376f27d239f961405522e943e\">\n#top .av-special-heading.av-14dx7i0-b8c8e2a376f27d239f961405522e943e{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-14dx7i0-b8c8e2a376f27d239f961405522e943e .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-14dx7i0-b8c8e2a376f27d239f961405522e943e .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-14dx7i0-b8c8e2a376f27d239f961405522e943e av-special-heading-h2 blockquote modern-quote  avia-builder-el-46  avia-builder-el-no-sibling '><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >Exklusive Vorteile f\u00fcr Sie<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-12fmzjc-31e270c070ee5bf677ae144690e35b40\">\n.flex_column.av-12fmzjc-31e270c070ee5bf677ae144690e35b40{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-12fmzjc-31e270c070ee5bf677ae144690e35b40 av_one_half  avia-builder-el-47  el_after_av_one_full  el_before_av_one_half  first flex_column_div av-zero-column-padding column-top-margin'     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-3rc2m0-afa95131268ec3dd4a6dee78a766a93b\">\n#top .avia-icon-list-container.av-3rc2m0-afa95131268ec3dd4a6dee78a766a93b .iconlist_icon{\nbackground-color:#0f457f;\n}\n.avia-icon-list-container.av-3rc2m0-afa95131268ec3dd4a6dee78a766a93b .iconlist_content{\ncolor:#34393b;\n}\n<\/style>\n<div  class='avia-icon-list-container av-3rc2m0-afa95131268ec3dd4a6dee78a766a93b  avia-builder-el-48  el_before_av_iconlist  avia-builder-el-first '><ul class='avia-icon-list avia_animate_when_almost_visible avia-icon-list-left av-iconlist-big av-3rc2m0-afa95131268ec3dd4a6dee78a766a93b avia-iconlist-animate'>\n<li><div class='iconlist_icon av-3mbdzc-80bbb80f499ec311edb0ca16e0fd1117 avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue812' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >Arbeitgeberf\u00f6rderung<\/h4><\/header><div class='iconlist_content av_inherit_color'  itemprop=\"text\" ><p>Ihr Arbeitgeber unterst\u00fctzt Ihre Beitr\u00e4ge mit [Prozentsatz] %.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<\/ul><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-xk46oo-57ce84b6787fda1050680389b5cceff5\">\n#top .avia-icon-list-container.av-xk46oo-57ce84b6787fda1050680389b5cceff5 .iconlist_icon{\nbackground-color:#0f457f;\n}\n.avia-icon-list-container.av-xk46oo-57ce84b6787fda1050680389b5cceff5 .iconlist_content{\ncolor:#34393b;\n}\n<\/style>\n<div  class='avia-icon-list-container av-xk46oo-57ce84b6787fda1050680389b5cceff5  avia-builder-el-49  el_after_av_iconlist  el_before_av_iconlist '><ul class='avia-icon-list avia_animate_when_almost_visible avia-icon-list-left av-iconlist-big av-xk46oo-57ce84b6787fda1050680389b5cceff5 avia-iconlist-animate'>\n<li><div class='iconlist_icon av-wc9lzc-6fb508778a92d0690cae167b507aa7f4 avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue812' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >F\u00f6rderung vom Staat<\/h4><\/header><div class='iconlist_content av_inherit_color'  itemprop=\"text\" ><p>Sie profitieren von der Entgeltumwandlung, d.h. Sie sparen bei Lohn- und Sozialabgaben. Der Staat f\u00f6rdert die betriebliche Berufsunf\u00e4higkeitsversicherung, indem er auf den Beitrag weder Steuern noch Sozialversicherungsabgaben berechnet. Der Beitrag wird direkt vom Bruttogehalt abgef\u00fchrt.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<\/ul><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-u666k8-6bfa796277938a1082ac9e1b87d1326f\">\n#top .avia-icon-list-container.av-u666k8-6bfa796277938a1082ac9e1b87d1326f .iconlist_icon{\nbackground-color:#0f457f;\n}\n.avia-icon-list-container.av-u666k8-6bfa796277938a1082ac9e1b87d1326f .iconlist_content{\ncolor:#34393b;\n}\n<\/style>\n<div  class='avia-icon-list-container av-u666k8-6bfa796277938a1082ac9e1b87d1326f  avia-builder-el-50  el_after_av_iconlist  avia-builder-el-last '><ul class='avia-icon-list avia_animate_when_almost_visible avia-icon-list-left av-iconlist-big av-u666k8-6bfa796277938a1082ac9e1b87d1326f avia-iconlist-animate'>\n<li><div class='iconlist_icon av-2x5e8o-d425e38618588fff2a9c833db90b2ed8 avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue812' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >G\u00fcnstigere Beitr\u00e4ge durch spezielle Sonderkonditionen<\/h4><\/header><div class='iconlist_content av_inherit_color'  itemprop=\"text\" ><p>Durch die Sonderkonditionen der Mitarbeitergemeinschaft wird Ihr Vorsorgebeitrag sehr attraktiv im Vergleich zu einer privaten BU.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<\/ul><\/div><\/p><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-revxq0-f5aecc4d458f45d410f4c49b28e5abbb\">\n.flex_column.av-revxq0-f5aecc4d458f45d410f4c49b28e5abbb{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-revxq0-f5aecc4d458f45d410f4c49b28e5abbb av_one_half  avia-builder-el-51  el_after_av_one_half  avia-builder-el-last  flex_column_div av-zero-column-padding column-top-margin'     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-q9zvw8-91573b4c0c19d57120a9c6646c101210\">\n#top .avia-icon-list-container.av-q9zvw8-91573b4c0c19d57120a9c6646c101210 .iconlist_icon{\nbackground-color:#0f457f;\n}\n.avia-icon-list-container.av-q9zvw8-91573b4c0c19d57120a9c6646c101210 .iconlist_content{\ncolor:#34393b;\n}\n<\/style>\n<div  class='avia-icon-list-container av-q9zvw8-91573b4c0c19d57120a9c6646c101210  avia-builder-el-52  el_before_av_iconlist  avia-builder-el-first '><ul class='avia-icon-list avia_animate_when_almost_visible avia-icon-list-left av-iconlist-big av-q9zvw8-91573b4c0c19d57120a9c6646c101210 avia-iconlist-animate'>\n<li><div class='iconlist_icon av-ni22ag-4188d381a642f806c4bf63d6a508a0c0 avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue812' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >Vereinfachte Gesundheitspr\u00fcfung<\/h4><\/header><div class='iconlist_content av_inherit_color'  itemprop=\"text\" ><p>Selbst bei vorhandenen Vorerkrankungen besteht die M\u00f6glichkeit durch ein stark vereinfachtes Aufnahmeverfahren in die Berufsunf\u00e4higkeitsversicherung aufgenommen zu werden.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<\/ul><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-n34aq0-f9df5e08a4b00e921b38b3c590d6b8fe\">\n#top .avia-icon-list-container.av-n34aq0-f9df5e08a4b00e921b38b3c590d6b8fe .iconlist_icon{\nbackground-color:#0f457f;\n}\n.avia-icon-list-container.av-n34aq0-f9df5e08a4b00e921b38b3c590d6b8fe .iconlist_content{\ncolor:#34393b;\n}\n<\/style>\n<div  class='avia-icon-list-container av-n34aq0-f9df5e08a4b00e921b38b3c590d6b8fe  avia-builder-el-53  el_after_av_iconlist  el_before_av_iconlist '><ul class='avia-icon-list avia_animate_when_almost_visible avia-icon-list-left av-iconlist-big av-n34aq0-f9df5e08a4b00e921b38b3c590d6b8fe avia-iconlist-animate'>\n<li><div class='iconlist_icon av-k2d1nc-449594b9d6bc58f4e21e75bd16f8944d avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue812' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >Flexible Beitragszahlung<\/h4><\/header><div class='iconlist_content av_inherit_color'  itemprop=\"text\" ><p>Sie k\u00f6nnen jederzeit die Beitr\u00e4ge befristet reduzieren oder aussetzen, allerdings erhalten Sie w\u00e4hrend der Beitragsfreistellung nur eine reduzierte Rente, wenn Sie w\u00e4hrend dieser Zeit berufsunf\u00e4hig werden.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<\/ul><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-iv8el4-cc75ab9064186dd950b276ea74bc1666\">\n#top .avia-icon-list-container.av-iv8el4-cc75ab9064186dd950b276ea74bc1666 .iconlist_icon{\nbackground-color:#0f457f;\n}\n.avia-icon-list-container.av-iv8el4-cc75ab9064186dd950b276ea74bc1666 .iconlist_content{\ncolor:#34393b;\n}\n<\/style>\n<div  class='avia-icon-list-container av-iv8el4-cc75ab9064186dd950b276ea74bc1666  avia-builder-el-54  el_after_av_iconlist  avia-builder-el-last '><ul class='avia-icon-list avia_animate_when_almost_visible avia-icon-list-left av-iconlist-big av-iv8el4-cc75ab9064186dd950b276ea74bc1666 avia-iconlist-animate'>\n<li><div class='iconlist_icon av-i4pbvc-08f6dd8335550f45d038697ba40a9658 avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue812' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >Weltweiter Versicherungsschutz<\/h4><\/header><div class='iconlist_content av_inherit_color'  itemprop=\"text\" ><p>Egal, wo Sie sind oder wo Sie arbeiten, Ihre Berufsunf\u00e4higkeitsvorsorge ist weltweit g\u00fcltig und das sogar zeitlich unbegrenzt.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<\/ul><\/div><\/p><\/div>\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='kontakt'  class='avia-section av-gg11m0-a27b2294017f1ece7c4f0d4d265028c8 main_color avia-section-default avia-no-shadow  avia-builder-el-55  el_after_av_section  avia-builder-el-last  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-1416'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" 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