{"id":1511,"date":"2021-07-02T10:17:16","date_gmt":"2021-07-02T08:17:16","guid":{"rendered":"https:\/\/vorsorge.bav.digital\/forumarbeitgebervorsorge\/?page_id=1511"},"modified":"2021-09-24T15:51:35","modified_gmt":"2021-09-24T13:51:35","slug":"bbu","status":"publish","type":"page","link":"https:\/\/vorsorge.bav.digital\/forumarbeitgebervorsorge\/bbu\/","title":{"rendered":"betriebliche Berufsunf\u00e4higkeitsvorsorge"},"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-av_slideshow_full-7af8eeb708987fb6dfffa2b3328e579d 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-av_slideshow_full-7af8eeb708987fb6dfffa2b3328e579d__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\/forumarbeitgebervorsorge\/wp-content\/uploads\/sites\/103\/2021\/06\/header-bu-scaled.jpg\" width=\"2560\" height=\"807\" title='Header-BU' alt=''  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/vorsorge.bav.digital\/forumarbeitgebervorsorge\/wp-content\/uploads\/sites\/103\/2021\/06\/header-bu-scaled.jpg 2560w, https:\/\/vorsorge.bav.digital\/forumarbeitgebervorsorge\/wp-content\/uploads\/sites\/103\/2021\/06\/header-bu-300x95.jpg 300w, https:\/\/vorsorge.bav.digital\/forumarbeitgebervorsorge\/wp-content\/uploads\/sites\/103\/2021\/06\/header-bu-1030x325.jpg 1030w, https:\/\/vorsorge.bav.digital\/forumarbeitgebervorsorge\/wp-content\/uploads\/sites\/103\/2021\/06\/header-bu-768x242.jpg 768w, https:\/\/vorsorge.bav.digital\/forumarbeitgebervorsorge\/wp-content\/uploads\/sites\/103\/2021\/06\/header-bu-1536x484.jpg 1536w, https:\/\/vorsorge.bav.digital\/forumarbeitgebervorsorge\/wp-content\/uploads\/sites\/103\/2021\/06\/header-bu-2048x646.jpg 2048w, https:\/\/vorsorge.bav.digital\/forumarbeitgebervorsorge\/wp-content\/uploads\/sites\/103\/2021\/06\/header-bu-1500x473.jpg 1500w, https:\/\/vorsorge.bav.digital\/forumarbeitgebervorsorge\/wp-content\/uploads\/sites\/103\/2021\/06\/header-bu-705x222.jpg 705w, https:\/\/vorsorge.bav.digital\/forumarbeitgebervorsorge\/wp-content\/uploads\/sites\/103\/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-av_section-28970ddfc812ec5d6ec88a4446b1173b 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-1511'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_one_half-15d750bd1b332b34c6e70b077ebbccdf\">\n.flex_column.av-av_one_half-15d750bd1b332b34c6e70b077ebbccdf{\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-av_one_half-15d750bd1b332b34c6e70b077ebbccdf 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-av_hr-bbe676ee29fcde2ee286114023beb888\">\n#top .hr.hr-invisible.av-av_hr-bbe676ee29fcde2ee286114023beb888{\nheight:15px;\n}\n<\/style>\n<div  class='hr av-av_hr-bbe676ee29fcde2ee286114023beb888 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-av_heading-8f076e084ea1a0a370bab8635a6eb81d\">\n#top .av-special-heading.av-av_heading-8f076e084ea1a0a370bab8635a6eb81d{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-av_heading-8f076e084ea1a0a370bab8635a6eb81d .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-av_heading-8f076e084ea1a0a370bab8635a6eb81d .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-av_heading-8f076e084ea1a0a370bab8635a6eb81d 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\"  >Eure 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-av_textblock-2de302bf1aa3cf4c9157dbe6f50ac7eb'  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>jeder vierte<\/strong>\u00a0Arbeitnehmer im Laufe des Arbeitslebens komplett oder zumindest zeitweise berufsunf\u00e4hig.<\/p>\n<\/div><\/section><br \/>\n<div  class='avia-button-wrap av-av_button-fa7b11751a816cd00b0951c85a6a42e2-wrap avia-button-left  avia-builder-el-6  el_after_av_textblock  avia-builder-el-last '><a href='\/kontakt'  class='avia-button av-av_button-fa7b11751a816cd00b0951c85a6a42e2 avia-icon_select-no avia-size-small 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-av_one_half-c8fc129dc35fd1ae2a1e410224d39ea8\">\n.flex_column.av-av_one_half-c8fc129dc35fd1ae2a1e410224d39ea8{\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-av_one_half-c8fc129dc35fd1ae2a1e410224d39ea8 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-av_textblock-43343dd0f7f8b28b3624f02e7f1d6d25\">\n#top .av_textblock_section.av-av_textblock-43343dd0f7f8b28b3624f02e7f1d6d25 .avia_textblock{\ncolor:#0f457f;\n}\n<\/style>\n<section  class='av_textblock_section av-av_textblock-43343dd0f7f8b28b3624f02e7f1d6d25'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock av_inherit_color'  itemprop=\"text\" ><p>Eure 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-av_section-d6dc69419c075606396b09552911b2b8 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-1511'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_one_half-15d750bd1b332b34c6e70b077ebbccdf\">\n.flex_column.av-av_one_half-15d750bd1b332b34c6e70b077ebbccdf{\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-av_one_half-15d750bd1b332b34c6e70b077ebbccdf 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-av_image-41547bae5f90a9fa400f39a25a6a5018\">\n.avia-image-container.av-av_image-41547bae5f90a9fa400f39a25a6a5018 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-av_image-41547bae5f90a9fa400f39a25a6a5018 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-av_image-41547bae5f90a9fa400f39a25a6a5018 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\/forumarbeitgebervorsorge\/wp-content\/uploads\/sites\/103\/2021\/06\/bu-ursachen.jpg\" alt='' title='BU Ursachen'  height=\"541\" width=\"960\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/vorsorge.bav.digital\/forumarbeitgebervorsorge\/wp-content\/uploads\/sites\/103\/2021\/06\/bu-ursachen.jpg 960w, https:\/\/vorsorge.bav.digital\/forumarbeitgebervorsorge\/wp-content\/uploads\/sites\/103\/2021\/06\/bu-ursachen-300x169.jpg 300w, https:\/\/vorsorge.bav.digital\/forumarbeitgebervorsorge\/wp-content\/uploads\/sites\/103\/2021\/06\/bu-ursachen-768x433.jpg 768w, https:\/\/vorsorge.bav.digital\/forumarbeitgebervorsorge\/wp-content\/uploads\/sites\/103\/2021\/06\/bu-ursachen-705x397.jpg 705w, https:\/\/vorsorge.bav.digital\/forumarbeitgebervorsorge\/wp-content\/uploads\/sites\/103\/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-av_one_half-c8fc129dc35fd1ae2a1e410224d39ea8\">\n.flex_column.av-av_one_half-c8fc129dc35fd1ae2a1e410224d39ea8{\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-av_one_half-c8fc129dc35fd1ae2a1e410224d39ea8 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-av_hr-616cd310f4c6bf63bbd1f033802c1165\">\n#top .hr.hr-invisible.av-av_hr-616cd310f4c6bf63bbd1f033802c1165{\nheight:20px;\n}\n<\/style>\n<div  class='hr av-av_hr-616cd310f4c6bf63bbd1f033802c1165 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-av_heading-729ef1b0a20034e855c9f54332eb5f1f\">\n#top .av-special-heading.av-av_heading-729ef1b0a20034e855c9f54332eb5f1f{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-av_heading-729ef1b0a20034e855c9f54332eb5f1f .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-av_heading-729ef1b0a20034e855c9f54332eb5f1f .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-av_heading-729ef1b0a20034e855c9f54332eb5f1f 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-av_textblock-2de302bf1aa3cf4c9157dbe6f50ac7eb'  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-av_section-f3202c17dfb2a5719b1f07d2839b678c 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-1511'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_one_half-15d750bd1b332b34c6e70b077ebbccdf\">\n.flex_column.av-av_one_half-15d750bd1b332b34c6e70b077ebbccdf{\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-av_one_half-15d750bd1b332b34c6e70b077ebbccdf 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-av_heading-2c43f6df5c7fa1793103638a247e3502\">\n#top .av-special-heading.av-av_heading-2c43f6df5c7fa1793103638a247e3502{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-av_heading-2c43f6df5c7fa1793103638a247e3502 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-av_heading-2c43f6df5c7fa1793103638a247e3502 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-av_heading-2c43f6df5c7fa1793103638a247e3502 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-av_textblock-2de302bf1aa3cf4c9157dbe6f50ac7eb'  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. Ihr bekommt eine gesetzliche Erwerbsminderungsrente (EMI-Rente), wenn Ihr wegen Krankheit oder Behinderung nur noch weniger als sechs Stunden t\u00e4glich eine T\u00e4tigkeit auf dem allgemeinen Arbeitsmarkt ausf\u00fchren k\u00f6nnt. 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\u00f6nnt Ihr bis zu drei Stunden t\u00e4glich arbeiten, bekommt Ihr die volle Erwerbsminderungsrente. Diese betr\u00e4gt etwa ein Drittel Eures letzten Bruttogehalts (unter Ber\u00fccksichtigung gesetzlich festgelegter Grenzen).<\/span><\/p>\n<p class=\"defaultFont\"><span class=\"FLIESSTEXT\">K\u00f6nnt Ihr drei bis sechs Stunden pro Tag arbeiten, erhaltet Ihr 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-av_one_half-c8fc129dc35fd1ae2a1e410224d39ea8\">\n.flex_column.av-av_one_half-c8fc129dc35fd1ae2a1e410224d39ea8{\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-av_one_half-c8fc129dc35fd1ae2a1e410224d39ea8 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-av_hr-741ab06d0690c1111415ef58b6e9dc92\">\n#top .hr.hr-invisible.av-av_hr-741ab06d0690c1111415ef58b6e9dc92{\nheight:40px;\n}\n<\/style>\n<div  class='hr av-av_hr-741ab06d0690c1111415ef58b6e9dc92 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-av_image-7c4e039f3bc7a53d35dc0b61b4db3120\">\n.avia-image-container.av-av_image-7c4e039f3bc7a53d35dc0b61b4db3120 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-av_image-7c4e039f3bc7a53d35dc0b61b4db3120 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-av_image-7c4e039f3bc7a53d35dc0b61b4db3120 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\/forumarbeitgebervorsorge\/wp-content\/uploads\/sites\/103\/2021\/06\/bu-fall.jpg\" alt='' title='BU Fall'  height=\"541\" width=\"960\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/vorsorge.bav.digital\/forumarbeitgebervorsorge\/wp-content\/uploads\/sites\/103\/2021\/06\/bu-fall.jpg 960w, https:\/\/vorsorge.bav.digital\/forumarbeitgebervorsorge\/wp-content\/uploads\/sites\/103\/2021\/06\/bu-fall-300x169.jpg 300w, https:\/\/vorsorge.bav.digital\/forumarbeitgebervorsorge\/wp-content\/uploads\/sites\/103\/2021\/06\/bu-fall-768x433.jpg 768w, https:\/\/vorsorge.bav.digital\/forumarbeitgebervorsorge\/wp-content\/uploads\/sites\/103\/2021\/06\/bu-fall-705x397.jpg 705w, https:\/\/vorsorge.bav.digital\/forumarbeitgebervorsorge\/wp-content\/uploads\/sites\/103\/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-av_one_full-15d750bd1b332b34c6e70b077ebbccdf\">\n.flex_column.av-av_one_full-15d750bd1b332b34c6e70b077ebbccdf{\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-av_one_full-15d750bd1b332b34c6e70b077ebbccdf 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-av_icon_box-b8277ac3f62c73f742c3bbf65d130b38\">\n.iconbox.av-av_icon_box-b8277ac3f62c73f742c3bbf65d130b38 .iconbox_content_container{\ncolor:#0f457f;\n}\n<\/style>\n<article  class='iconbox iconbox_left av-av_icon_box-b8277ac3f62c73f742c3bbf65d130b38  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-av_textblock-2de302bf1aa3cf4c9157dbe6f50ac7eb'  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, 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\u00f6nnt Ihr 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-av_section-34a7979ee5fce44825bc5bd6e82d8baf 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-1511'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_one_half-15d750bd1b332b34c6e70b077ebbccdf\">\n.flex_column.av-av_one_half-15d750bd1b332b34c6e70b077ebbccdf{\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-av_one_half-15d750bd1b332b34c6e70b077ebbccdf 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-av_hr-741ab06d0690c1111415ef58b6e9dc92\">\n#top .hr.hr-invisible.av-av_hr-741ab06d0690c1111415ef58b6e9dc92{\nheight:40px;\n}\n<\/style>\n<div  class='hr av-av_hr-741ab06d0690c1111415ef58b6e9dc92 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-av_image-054c8e41fd238d4e2f7aca46bafb8861\">\n.avia-image-container.av-av_image-054c8e41fd238d4e2f7aca46bafb8861 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-av_image-054c8e41fd238d4e2f7aca46bafb8861 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-av_image-054c8e41fd238d4e2f7aca46bafb8861 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\/forumarbeitgebervorsorge\/wp-content\/uploads\/sites\/103\/2021\/06\/eigenbeitrag-webseite-bu.jpg\" alt='' title='Eigenbeitrag Webseite BU'  height=\"399\" width=\"591\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/vorsorge.bav.digital\/forumarbeitgebervorsorge\/wp-content\/uploads\/sites\/103\/2021\/06\/eigenbeitrag-webseite-bu.jpg 591w, https:\/\/vorsorge.bav.digital\/forumarbeitgebervorsorge\/wp-content\/uploads\/sites\/103\/2021\/06\/eigenbeitrag-webseite-bu-300x203.jpg 300w, https:\/\/vorsorge.bav.digital\/forumarbeitgebervorsorge\/wp-content\/uploads\/sites\/103\/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-av_one_half-c8fc129dc35fd1ae2a1e410224d39ea8\">\n.flex_column.av-av_one_half-c8fc129dc35fd1ae2a1e410224d39ea8{\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-av_one_half-c8fc129dc35fd1ae2a1e410224d39ea8 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-av_heading-4c541c81c6063bc4bae54611c6bdc3a3\">\n#top .av-special-heading.av-av_heading-4c541c81c6063bc4bae54611c6bdc3a3{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-av_heading-4c541c81c6063bc4bae54611c6bdc3a3 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-av_heading-4c541c81c6063bc4bae54611c6bdc3a3 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-av_heading-4c541c81c6063bc4bae54611c6bdc3a3 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 Euch?<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-av_textblock-2de302bf1aa3cf4c9157dbe6f50ac7eb'  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 Ihr Euch f\u00fcr eine Einkommenssicherung entscheidet, 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 Euren Arbeitgeber bietet hier die L\u00f6sung. Zum einen hat Euer Arbeitgeber die M\u00f6glichkeit, spezielle Sonderkonditionen zu erhalten. Zum anderen bekommt Ihr einen Zuschuss vom Staat, indem der Beitrag aus Eurem Bruttogehalt gezahlt wird. Dadurch spart Ihr Steuer- und Sozialversicherungsbeitr\u00e4ge. Zus\u00e4tzlich legt Euer Arbeitgeber noch einen Zuschuss obendarauf.<\/span><\/p>\n<p class=\"defaultFont\"><span class=\"FLIESSTEXT\">Hinzu kommt, dass die Gesundheitsfragen bei der BU-Versicherung \u00fcber Euren 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='vorteile'  class='avia-section av-av_section-334754e98badf5c72937c772f26a6f8a 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-1511'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_one_full-15d750bd1b332b34c6e70b077ebbccdf\">\n.flex_column.av-av_one_full-15d750bd1b332b34c6e70b077ebbccdf{\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-av_one_full-15d750bd1b332b34c6e70b077ebbccdf av_one_full  avia-builder-el-35  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-av_heading-90c01e41be67261a661eec0027f22d03\">\n#top .av-special-heading.av-av_heading-90c01e41be67261a661eec0027f22d03{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-av_heading-90c01e41be67261a661eec0027f22d03 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-av_heading-90c01e41be67261a661eec0027f22d03 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-av_heading-90c01e41be67261a661eec0027f22d03 av-special-heading-h2 blockquote modern-quote  avia-builder-el-36  avia-builder-el-no-sibling '><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >Exklusive Vorteile f\u00fcr Euch<\/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-av_one_half-15d750bd1b332b34c6e70b077ebbccdf\">\n.flex_column.av-av_one_half-15d750bd1b332b34c6e70b077ebbccdf{\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-av_one_half-15d750bd1b332b34c6e70b077ebbccdf av_one_half  avia-builder-el-37  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-av_iconlist-5066bd877ea011444080acca28e436ed\">\n#top .avia-icon-list-container.av-av_iconlist-5066bd877ea011444080acca28e436ed .iconlist_icon{\nbackground-color:#0f457f;\n}\n.avia-icon-list-container.av-av_iconlist-5066bd877ea011444080acca28e436ed .iconlist_content{\ncolor:#34393b;\n}\n<\/style>\n<div  class='avia-icon-list-container av-av_iconlist-5066bd877ea011444080acca28e436ed  avia-builder-el-38  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-av_iconlist-5066bd877ea011444080acca28e436ed avia-iconlist-animate'>\n<li><div class='iconlist_icon av-av_iconlist_item-865a444b66c190435bcb0bf1549150df 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>Euer Arbeitgeber unterst\u00fctzt Eure 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-av_iconlist-5066bd877ea011444080acca28e436ed\">\n#top .avia-icon-list-container.av-av_iconlist-5066bd877ea011444080acca28e436ed .iconlist_icon{\nbackground-color:#0f457f;\n}\n.avia-icon-list-container.av-av_iconlist-5066bd877ea011444080acca28e436ed .iconlist_content{\ncolor:#34393b;\n}\n<\/style>\n<div  class='avia-icon-list-container av-av_iconlist-5066bd877ea011444080acca28e436ed  avia-builder-el-39  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-av_iconlist-5066bd877ea011444080acca28e436ed avia-iconlist-animate'>\n<li><div class='iconlist_icon av-av_iconlist_item-ebda791c23afbd2d751243dc6993afc9 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>Ihr profitiert von der Entgeltumwandlung, d.h. Ihr spart 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-av_iconlist-5066bd877ea011444080acca28e436ed\">\n#top .avia-icon-list-container.av-av_iconlist-5066bd877ea011444080acca28e436ed .iconlist_icon{\nbackground-color:#0f457f;\n}\n.avia-icon-list-container.av-av_iconlist-5066bd877ea011444080acca28e436ed .iconlist_content{\ncolor:#34393b;\n}\n<\/style>\n<div  class='avia-icon-list-container av-av_iconlist-5066bd877ea011444080acca28e436ed  avia-builder-el-40  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-av_iconlist-5066bd877ea011444080acca28e436ed avia-iconlist-animate'>\n<li><div class='iconlist_icon av-av_iconlist_item-e51218bec0bd249a41a518159ce0d08d 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 Euer 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-av_one_half-c8fc129dc35fd1ae2a1e410224d39ea8\">\n.flex_column.av-av_one_half-c8fc129dc35fd1ae2a1e410224d39ea8{\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-av_one_half-c8fc129dc35fd1ae2a1e410224d39ea8 av_one_half  avia-builder-el-41  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-av_iconlist-5066bd877ea011444080acca28e436ed\">\n#top .avia-icon-list-container.av-av_iconlist-5066bd877ea011444080acca28e436ed .iconlist_icon{\nbackground-color:#0f457f;\n}\n.avia-icon-list-container.av-av_iconlist-5066bd877ea011444080acca28e436ed .iconlist_content{\ncolor:#34393b;\n}\n<\/style>\n<div  class='avia-icon-list-container av-av_iconlist-5066bd877ea011444080acca28e436ed  avia-builder-el-42  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-av_iconlist-5066bd877ea011444080acca28e436ed avia-iconlist-animate'>\n<li><div class='iconlist_icon av-av_iconlist_item-45abc40eb111da184ef84e95053b905f 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-av_iconlist-5066bd877ea011444080acca28e436ed\">\n#top .avia-icon-list-container.av-av_iconlist-5066bd877ea011444080acca28e436ed .iconlist_icon{\nbackground-color:#0f457f;\n}\n.avia-icon-list-container.av-av_iconlist-5066bd877ea011444080acca28e436ed .iconlist_content{\ncolor:#34393b;\n}\n<\/style>\n<div  class='avia-icon-list-container av-av_iconlist-5066bd877ea011444080acca28e436ed  avia-builder-el-43  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-av_iconlist-5066bd877ea011444080acca28e436ed avia-iconlist-animate'>\n<li><div class='iconlist_icon av-av_iconlist_item-a9d71d78127ac4fda236d09a5ddf7837 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>Ihr k\u00f6nnt jederzeit die Beitr\u00e4ge befristet reduzieren oder aussetzen, allerdings erhaltet Ihr w\u00e4hrend der Beitragsfreistellung nur eine reduzierte Rente, wenn Ihr w\u00e4hrend dieser Zeit berufsunf\u00e4hig werdet.<\/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-av_iconlist-5066bd877ea011444080acca28e436ed\">\n#top .avia-icon-list-container.av-av_iconlist-5066bd877ea011444080acca28e436ed .iconlist_icon{\nbackground-color:#0f457f;\n}\n.avia-icon-list-container.av-av_iconlist-5066bd877ea011444080acca28e436ed .iconlist_content{\ncolor:#34393b;\n}\n<\/style>\n<div  class='avia-icon-list-container av-av_iconlist-5066bd877ea011444080acca28e436ed  avia-builder-el-44  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-av_iconlist-5066bd877ea011444080acca28e436ed avia-iconlist-animate'>\n<li><div class='iconlist_icon av-av_iconlist_item-5f8d2ff3b7e65a9ade97aa1b328f94ed 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 Ihr seid oder wo Ihr arbeiten, Eure 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-av_section-f741f282269bc755285c6644d19c3133 main_color avia-section-default avia-no-shadow  avia-builder-el-45  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-1511'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_one_third-15d750bd1b332b34c6e70b077ebbccdf\">\n.flex_column.av-av_one_third-15d750bd1b332b34c6e70b077ebbccdf{\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-av_one_third-15d750bd1b332b34c6e70b077ebbccdf av_one_third  avia-builder-el-46  el_before_av_one_third  avia-builder-el-first  first flex_column_div av-zero-column-padding '     ><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_one_third-7728c41db62e9074b948a6e23c4d9216\">\n.flex_column.av-av_one_third-7728c41db62e9074b948a6e23c4d9216{\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;\nbackground-color:#f0f7fd;\n}\n<\/style>\n<div class='flex_column 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<a href=\"mailto:beratungswunsch@pension-solutions.de\">beratungswunsch@pension-solutions.de<\/a><\/p>\n<\/div><\/section><br \/>\n<div  class='avia-button-wrap av-av_button-7f4b3f3613d2582539fd26633b6f8ba0-wrap avia-button-center  avia-builder-el-51  el_after_av_textblock  el_before_av_hr '><a href='\/kontakt'  class='avia-button av-av_button-7f4b3f3613d2582539fd26633b6f8ba0 avia-icon_select-no avia-size-small avia-position-center avia-color-theme-color'  ><span class='avia_iconbox_title' >Kontakt aufnehmen<\/span><\/a><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_hr-fbebcb4fe7f7f93a621d8b6783460008\">\n#top .hr.hr-invisible.av-av_hr-fbebcb4fe7f7f93a621d8b6783460008{\nheight:30px;\n}\n<\/style>\n<div  class='hr av-av_hr-fbebcb4fe7f7f93a621d8b6783460008 hr-invisible  avia-builder-el-52  el_after_av_button  avia-builder-el-last '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><\/p><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_one_third-c8fc129dc35fd1ae2a1e410224d39ea8\">\n.flex_column.av-av_one_third-c8fc129dc35fd1ae2a1e410224d39ea8{\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-av_one_third-c8fc129dc35fd1ae2a1e410224d39ea8 av_one_third  avia-builder-el-53  el_after_av_one_third  avia-builder-el-last  flex_column_div av-zero-column-padding '     ><\/div><\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='after_section_6'  class='main_color av_default_container_wrap 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-1511'><div class='entry-content-wrapper clearfix'>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":18,"featured_media":0,"parent":0,"menu_order":20,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1511","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>betriebliche Berufsunf\u00e4higkeitsvorsorge - FORUM Arbeitgebervorsorge<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"betriebliche Berufsunf\u00e4higkeitsvorsorge - FORUM Arbeitgebervorsorge\" \/>\n<meta property=\"og:url\" content=\"https:\/\/vorsorge.bav.digital\/forumarbeitgebervorsorge\/bbu\/\" \/>\n<meta property=\"og:site_name\" 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