{"id":1416,"date":"2021-06-28T18:29:28","date_gmt":"2021-06-28T16:29:28","guid":{"rendered":"https:\/\/vorsorge.bav.digital\/teag\/?page_id=1416"},"modified":"2025-10-15T14:06:40","modified_gmt":"2025-10-15T12:06:40","slug":"bbu-ksp","status":"publish","type":"page","link":"https:\/\/vorsorge.bav.digital\/teag\/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-3adb3ew-52249c4e5e9e36696c2a8b58372f5f28 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-3adb3ew-52249c4e5e9e36696c2a8b58372f5f28__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\/teag\/wp-content\/uploads\/sites\/126\/2021\/06\/header-bu-scaled.jpg\" width=\"2560\" height=\"807\" title='Header-BU' alt=''  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/vorsorge.bav.digital\/teag\/wp-content\/uploads\/sites\/126\/2021\/06\/header-bu-scaled.jpg 2560w, https:\/\/vorsorge.bav.digital\/teag\/wp-content\/uploads\/sites\/126\/2021\/06\/header-bu-300x95.jpg 300w, https:\/\/vorsorge.bav.digital\/teag\/wp-content\/uploads\/sites\/126\/2021\/06\/header-bu-1030x325.jpg 1030w, https:\/\/vorsorge.bav.digital\/teag\/wp-content\/uploads\/sites\/126\/2021\/06\/header-bu-768x242.jpg 768w, https:\/\/vorsorge.bav.digital\/teag\/wp-content\/uploads\/sites\/126\/2021\/06\/header-bu-1536x484.jpg 1536w, https:\/\/vorsorge.bav.digital\/teag\/wp-content\/uploads\/sites\/126\/2021\/06\/header-bu-2048x646.jpg 2048w, https:\/\/vorsorge.bav.digital\/teag\/wp-content\/uploads\/sites\/126\/2021\/06\/header-bu-1500x473.jpg 1500w, https:\/\/vorsorge.bav.digital\/teag\/wp-content\/uploads\/sites\/126\/2021\/06\/header-bu-705x222.jpg 705w, https:\/\/vorsorge.bav.digital\/teag\/wp-content\/uploads\/sites\/126\/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-37fw31k-fdeac6f13ccb5f84d4c4459a5420149e 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-356pufc-bc392e151666c88202a84f02097f5be4\">\n.flex_column.av-356pufc-bc392e151666c88202a84f02097f5be4{\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-356pufc-bc392e151666c88202a84f02097f5be4 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-33km5i0-bc728dbec79c0ed338936dbae8decd52\">\n#top .hr.hr-invisible.av-33km5i0-bc728dbec79c0ed338936dbae8decd52{\nheight:15px;\n}\n<\/style>\n<div  class='hr av-33km5i0-bc728dbec79c0ed338936dbae8decd52 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-323acug-505d7c596a864dc58eb1906f2228ce23\">\n#top .av-special-heading.av-323acug-505d7c596a864dc58eb1906f2228ce23{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-323acug-505d7c596a864dc58eb1906f2228ce23 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-323acug-505d7c596a864dc58eb1906f2228ce23 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-323acug-505d7c596a864dc58eb1906f2228ce23 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-2zxdsc8-ad6fda2eb1a80e4e1511a5c3c4be9ecc'  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-2zfrzzc-955a49679b0c90e5a4c7ba8de4bf9620-wrap avia-button-left  avia-builder-el-6  el_after_av_textblock  avia-builder-el-last '><a href='https:\/\/vorsorge.bav.digital\/teag\/kontakt\/'  class='avia-button av-2zfrzzc-955a49679b0c90e5a4c7ba8de4bf9620 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-2wyjrjs-860dcf717422babcd6d043f6315f89d1\">\n.flex_column.av-2wyjrjs-860dcf717422babcd6d043f6315f89d1{\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-2wyjrjs-860dcf717422babcd6d043f6315f89d1 av_one_half  avia-builder-el-7  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-lst54yvp-aaa0c6be80f7057f964d459d5c3384f2\">\n.avia-video.av-lst54yvp-aaa0c6be80f7057f964d459d5c3384f2{\nbackground-image:url(https:\/\/vorsorge.bav.digital\/teag\/wp-content\/uploads\/sites\/126\/2024\/02\/video-thumbnail-bu-300x225.jpg);\n}\n<\/style>\n<div  class='avia-video av-lst54yvp-aaa0c6be80f7057f964d459d5c3384f2 avia-video-16-9 av-html5-fullscreen-btn av-preview-image avia-video-lightbox av-lazyload-video-embed avia-video-standard-html'  itemprop=\"video\" itemtype=\"https:\/\/schema.org\/VideoObject\"  data-original_url='https:\/\/www.youtube.com\/embed\/JgyluY8niAc?rel=0&amp;showinfo=0'><script type='text\/html' class='av-video-tmpl'><a href='https:\/\/www.youtube.com\/embed\/JgyluY8niAc?rel=0&amp;showinfo=0' rel='lightbox' class='mfp-iframe lightbox-link'><\/a><\/script><div class=\"av-click-to-play-overlay play-lightbox\"><div class=\"avia_playpause_icon\"><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-2todfoo-2de73387dca49278b6977b7d2abf7569\">\n#top .av_textblock_section.av-2todfoo-2de73387dca49278b6977b7d2abf7569 .avia_textblock{\ncolor:#870d87;\n}\n<\/style>\n<section  class='av_textblock_section av-2todfoo-2de73387dca49278b6977b7d2abf7569'  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-2rhp03c-0f4fe703d3cc77442e6cf33af2717606 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-2qoirg8-f8b36af7123fee718629497ad8c45e11\">\n.flex_column.av-2qoirg8-f8b36af7123fee718629497ad8c45e11{\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-2qoirg8-f8b36af7123fee718629497ad8c45e11 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-2of1t14-d677481bb8e7701149aa662948d5719e\">\n.avia-image-container.av-2of1t14-d677481bb8e7701149aa662948d5719e img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-2of1t14-d677481bb8e7701149aa662948d5719e .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-2of1t14-d677481bb8e7701149aa662948d5719e 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\/teag\/wp-content\/uploads\/sites\/126\/2021\/06\/bu-ursachen.jpg\" alt='' title='BU Ursachen'  height=\"541\" width=\"960\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/vorsorge.bav.digital\/teag\/wp-content\/uploads\/sites\/126\/2021\/06\/bu-ursachen.jpg 960w, https:\/\/vorsorge.bav.digital\/teag\/wp-content\/uploads\/sites\/126\/2021\/06\/bu-ursachen-300x169.jpg 300w, https:\/\/vorsorge.bav.digital\/teag\/wp-content\/uploads\/sites\/126\/2021\/06\/bu-ursachen-768x433.jpg 768w, https:\/\/vorsorge.bav.digital\/teag\/wp-content\/uploads\/sites\/126\/2021\/06\/bu-ursachen-705x397.jpg 705w, https:\/\/vorsorge.bav.digital\/teag\/wp-content\/uploads\/sites\/126\/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-2njv4d4-51aaec8116edc93faa865c088862cd4b\">\n.flex_column.av-2njv4d4-51aaec8116edc93faa865c088862cd4b{\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-2njv4d4-51aaec8116edc93faa865c088862cd4b 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-2lq05fc-a42922d418479dfac18700e4f8007895\">\n#top .hr.hr-invisible.av-2lq05fc-a42922d418479dfac18700e4f8007895{\nheight:20px;\n}\n<\/style>\n<div  class='hr av-2lq05fc-a42922d418479dfac18700e4f8007895 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-2k1bfqg-ce1b5a5b42298becdc93c364e54f7e41\">\n#top .av-special-heading.av-2k1bfqg-ce1b5a5b42298becdc93c364e54f7e41{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-2k1bfqg-ce1b5a5b42298becdc93c364e54f7e41 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-2k1bfqg-ce1b5a5b42298becdc93c364e54f7e41 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-2k1bfqg-ce1b5a5b42298becdc93c364e54f7e41 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-2inwo8o-948345da10180d66a48cd329d02f0029'  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-2geyku0-1924281ed2ce8efc1a5038d763e593b8 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-2e90q14-99e9578e685b3aa5901feab526138b24\">\n.flex_column.av-2e90q14-99e9578e685b3aa5901feab526138b24{\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-2e90q14-99e9578e685b3aa5901feab526138b24 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-2d4goaw-6d62616213ab621969e23f9048727a7e\">\n#top .av-special-heading.av-2d4goaw-6d62616213ab621969e23f9048727a7e{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-2d4goaw-6d62616213ab621969e23f9048727a7e .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-2d4goaw-6d62616213ab621969e23f9048727a7e .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-2d4goaw-6d62616213ab621969e23f9048727a7e 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-8b1f3s-21a53a4d287f14135ec92621d8599434'  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-876qtk-f0e87ec6c2633ecc664231b751e98335\">\n.flex_column.av-876qtk-f0e87ec6c2633ecc664231b751e98335{\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-876qtk-f0e87ec6c2633ecc664231b751e98335 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-28gdkso-5e8c0e91f6fd1018300e883ef4b2b336\">\n#top .hr.hr-invisible.av-28gdkso-5e8c0e91f6fd1018300e883ef4b2b336{\nheight:40px;\n}\n<\/style>\n<div  class='hr av-28gdkso-5e8c0e91f6fd1018300e883ef4b2b336 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-26xop60-b370f992743de7feb20777a8166e1c4c\">\n.avia-image-container.av-26xop60-b370f992743de7feb20777a8166e1c4c img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-26xop60-b370f992743de7feb20777a8166e1c4c .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-26xop60-b370f992743de7feb20777a8166e1c4c 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\/teag\/wp-content\/uploads\/sites\/126\/2021\/06\/bu-fall.jpg\" alt='' title='BU Fall'  height=\"541\" width=\"960\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/vorsorge.bav.digital\/teag\/wp-content\/uploads\/sites\/126\/2021\/06\/bu-fall.jpg 960w, https:\/\/vorsorge.bav.digital\/teag\/wp-content\/uploads\/sites\/126\/2021\/06\/bu-fall-300x169.jpg 300w, https:\/\/vorsorge.bav.digital\/teag\/wp-content\/uploads\/sites\/126\/2021\/06\/bu-fall-768x433.jpg 768w, https:\/\/vorsorge.bav.digital\/teag\/wp-content\/uploads\/sites\/126\/2021\/06\/bu-fall-705x397.jpg 705w, https:\/\/vorsorge.bav.digital\/teag\/wp-content\/uploads\/sites\/126\/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-2578yyg-dcf8987f024e0eb8fd280c7b75487733\">\n.flex_column.av-2578yyg-dcf8987f024e0eb8fd280c7b75487733{\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-2578yyg-dcf8987f024e0eb8fd280c7b75487733 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-2407jmw-34819605905654e3f062d4f2ebc32d22\">\n.iconbox.av-2407jmw-34819605905654e3f062d4f2ebc32d22 .iconbox_content_container{\ncolor:#870d87;\n}\n<\/style>\n<article  class='iconbox iconbox_left av-2407jmw-34819605905654e3f062d4f2ebc32d22  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-21qgik8-176c27477e1005e1330320e4fc0c977a'  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-1zu88mw-c1942931bfe6d556d41238c720316083 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-70qje0-e42400558f08668cdfb89cf5a2111642\">\n.flex_column.av-70qje0-e42400558f08668cdfb89cf5a2111642{\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-70qje0-e42400558f08668cdfb89cf5a2111642 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-6vnplk-8c18a4f4f786ff66d23dd8f94fee4819\">\n#top .hr.hr-invisible.av-6vnplk-8c18a4f4f786ff66d23dd8f94fee4819{\nheight:40px;\n}\n<\/style>\n<div  class='hr av-6vnplk-8c18a4f4f786ff66d23dd8f94fee4819 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-1vqj0vs-b097a737e43238739c4912a0ece354e3\">\n.avia-image-container.av-1vqj0vs-b097a737e43238739c4912a0ece354e3 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-1vqj0vs-b097a737e43238739c4912a0ece354e3 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-1vqj0vs-b097a737e43238739c4912a0ece354e3 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\/teag\/wp-content\/uploads\/sites\/126\/2021\/06\/eigenbeitrag-webseite-bu.jpg\" alt='' title='Eigenbeitrag Webseite BU'  height=\"399\" width=\"591\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/vorsorge.bav.digital\/teag\/wp-content\/uploads\/sites\/126\/2021\/06\/eigenbeitrag-webseite-bu.jpg 591w, https:\/\/vorsorge.bav.digital\/teag\/wp-content\/uploads\/sites\/126\/2021\/06\/eigenbeitrag-webseite-bu-300x203.jpg 300w, https:\/\/vorsorge.bav.digital\/teag\/wp-content\/uploads\/sites\/126\/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-1tf0c54-14d2cbebb4859eaf0d8fc3d3e92e53ec\">\n.flex_column.av-1tf0c54-14d2cbebb4859eaf0d8fc3d3e92e53ec{\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-1tf0c54-14d2cbebb4859eaf0d8fc3d3e92e53ec 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-1run8aw-a72063bd84cf73776b30bb1a53a79559\">\n#top .av-special-heading.av-1run8aw-a72063bd84cf73776b30bb1a53a79559{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-1run8aw-a72063bd84cf73776b30bb1a53a79559 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-1run8aw-a72063bd84cf73776b30bb1a53a79559 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-1run8aw-a72063bd84cf73776b30bb1a53a79559 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-1qp1o9k-4a6279df850d9515a8ed13b50c505b71'  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-1olretk-c43a1eef1ab8df5d08e6c17344eabc76 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-1nfhul4-0e1d0b5329dff641759f4e0ecb62c849\">\n#top .av-special-heading.av-1nfhul4-0e1d0b5329dff641759f4e0ecb62c849{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-1nfhul4-0e1d0b5329dff641759f4e0ecb62c849 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-1nfhul4-0e1d0b5329dff641759f4e0ecb62c849 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-1nfhul4-0e1d0b5329dff641759f4e0ecb62c849 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-1kpkoq0-37b89878a004821b88210825bc1feff4'  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 bis zu 15 %.<\/p>\n<\/div><\/section>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-1iwrv8o-592731455131da5799207d0950779e6b\">\n.flex_column.av-1iwrv8o-592731455131da5799207d0950779e6b{\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-1iwrv8o-592731455131da5799207d0950779e6b 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-5e8hhk-84029334c5f21061575a39e42b0e838f\">\n#top .av-special-heading.av-5e8hhk-84029334c5f21061575a39e42b0e838f{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-5e8hhk-84029334c5f21061575a39e42b0e838f .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-5e8hhk-84029334c5f21061575a39e42b0e838f .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-5e8hhk-84029334c5f21061575a39e42b0e838f 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-1gf223c-0d4ad1992714154203efba8b402c1632'  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-1eo7jh4-531d7d80390e10664762a7f02d7d1e51\">\n#top .av-special-heading.av-1eo7jh4-531d7d80390e10664762a7f02d7d1e51{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-1eo7jh4-531d7d80390e10664762a7f02d7d1e51 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-1eo7jh4-531d7d80390e10664762a7f02d7d1e51 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-1eo7jh4-531d7d80390e10664762a7f02d7d1e51 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-1c6bqa0-431bde5f74b4c810f1b771b4318a8880'  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-1amirqw-c3f263686ad62bd5d4f6b5c4ad26b2e2\">\n.flex_column.av-1amirqw-c3f263686ad62bd5d4f6b5c4ad26b2e2{\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-1amirqw-c3f263686ad62bd5d4f6b5c4ad26b2e2 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-1a7pi7s-9e7ae6e61563245c0fe6943322a030c4\">\n.avia-image-container.av-1a7pi7s-9e7ae6e61563245c0fe6943322a030c4 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-1a7pi7s-9e7ae6e61563245c0fe6943322a030c4 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-1a7pi7s-9e7ae6e61563245c0fe6943322a030c4 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\/teag\/wp-content\/uploads\/sites\/126\/2021\/06\/bu-ksp-vergleich-1030x772.jpg\" alt='' title='BU-KSP-Vergleich'  height=\"772\" width=\"1030\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/vorsorge.bav.digital\/teag\/wp-content\/uploads\/sites\/126\/2021\/06\/bu-ksp-vergleich-1030x772.jpg 1030w, https:\/\/vorsorge.bav.digital\/teag\/wp-content\/uploads\/sites\/126\/2021\/06\/bu-ksp-vergleich-300x225.jpg 300w, https:\/\/vorsorge.bav.digital\/teag\/wp-content\/uploads\/sites\/126\/2021\/06\/bu-ksp-vergleich-768x576.jpg 768w, https:\/\/vorsorge.bav.digital\/teag\/wp-content\/uploads\/sites\/126\/2021\/06\/bu-ksp-vergleich-1536x1152.jpg 1536w, https:\/\/vorsorge.bav.digital\/teag\/wp-content\/uploads\/sites\/126\/2021\/06\/bu-ksp-vergleich-1500x1125.jpg 1500w, https:\/\/vorsorge.bav.digital\/teag\/wp-content\/uploads\/sites\/126\/2021\/06\/bu-ksp-vergleich-705x529.jpg 705w, https:\/\/vorsorge.bav.digital\/teag\/wp-content\/uploads\/sites\/126\/2021\/06\/bu-ksp-vergleich-450x337.jpg 450w, https:\/\/vorsorge.bav.digital\/teag\/wp-content\/uploads\/sites\/126\/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-18ciybc-20117f31deb7a799d8f4eb55b82ed0a1 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-15j2h48-34d2030d603300589aee32248286f878\">\n.flex_column.av-15j2h48-34d2030d603300589aee32248286f878{\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-15j2h48-34d2030d603300589aee32248286f878 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-13vxpbc-68dac25752f38057474f5157c5e1d0a3\">\n#top .av-special-heading.av-13vxpbc-68dac25752f38057474f5157c5e1d0a3{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-13vxpbc-68dac25752f38057474f5157c5e1d0a3 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-13vxpbc-68dac25752f38057474f5157c5e1d0a3 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-13vxpbc-68dac25752f38057474f5157c5e1d0a3 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-12a0fvc-892644b4651f4742a851e884ceaa2969\">\n.flex_column.av-12a0fvc-892644b4651f4742a851e884ceaa2969{\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-12a0fvc-892644b4651f4742a851e884ceaa2969 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-11zyuw8-92ab225ac0ea909d8aca1232f0aa70da\">\n#top .avia-icon-list-container.av-11zyuw8-92ab225ac0ea909d8aca1232f0aa70da .iconlist_icon{\nbackground-color:#870d87;\n}\n.avia-icon-list-container.av-11zyuw8-92ab225ac0ea909d8aca1232f0aa70da .iconlist_content{\ncolor:#34393b;\n}\n<\/style>\n<div  class='avia-icon-list-container av-11zyuw8-92ab225ac0ea909d8aca1232f0aa70da  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-11zyuw8-92ab225ac0ea909d8aca1232f0aa70da avia-iconlist-animate'>\n<li><div class='iconlist_icon av-3hzcp4-b2fc3e90c824ce097362c6b06ca26576 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 bis zu 15 %.<\/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-xybdgo-9ba610504b9494e4dcfcc06634540954\">\n#top .avia-icon-list-container.av-xybdgo-9ba610504b9494e4dcfcc06634540954 .iconlist_icon{\nbackground-color:#870d87;\n}\n.avia-icon-list-container.av-xybdgo-9ba610504b9494e4dcfcc06634540954 .iconlist_content{\ncolor:#34393b;\n}\n<\/style>\n<div  class='avia-icon-list-container av-xybdgo-9ba610504b9494e4dcfcc06634540954  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-xybdgo-9ba610504b9494e4dcfcc06634540954 avia-iconlist-animate'>\n<li><div class='iconlist_icon av-w6cry0-8f59f2e194d90b3d31890abc4cb29bdd 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-u6ywig-ffb0f762253e21f1f1a7d0fb8af85d23\">\n#top .avia-icon-list-container.av-u6ywig-ffb0f762253e21f1f1a7d0fb8af85d23 .iconlist_icon{\nbackground-color:#870d87;\n}\n.avia-icon-list-container.av-u6ywig-ffb0f762253e21f1f1a7d0fb8af85d23 .iconlist_content{\ncolor:#34393b;\n}\n<\/style>\n<div  class='avia-icon-list-container av-u6ywig-ffb0f762253e21f1f1a7d0fb8af85d23  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-u6ywig-ffb0f762253e21f1f1a7d0fb8af85d23 avia-iconlist-animate'>\n<li><div class='iconlist_icon av-tao4y0-92f8050a39edbada806dd948c0152607 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-rprydk-3d1679a6a69155a544485a3f70bd0571\">\n.flex_column.av-rprydk-3d1679a6a69155a544485a3f70bd0571{\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-rprydk-3d1679a6a69155a544485a3f70bd0571 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-po7ul4-40be8144846a499ac204b7314445e2d2\">\n#top .avia-icon-list-container.av-po7ul4-40be8144846a499ac204b7314445e2d2 .iconlist_icon{\nbackground-color:#870d87;\n}\n.avia-icon-list-container.av-po7ul4-40be8144846a499ac204b7314445e2d2 .iconlist_content{\ncolor:#34393b;\n}\n<\/style>\n<div  class='avia-icon-list-container av-po7ul4-40be8144846a499ac204b7314445e2d2  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-po7ul4-40be8144846a499ac204b7314445e2d2 avia-iconlist-animate'>\n<li><div class='iconlist_icon av-nkaft4-45665c8e6da0d79e90ba273d242b3af4 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-mt2abc-d5e870f7af9d14d7ca41fe615b4acc43\">\n#top .avia-icon-list-container.av-mt2abc-d5e870f7af9d14d7ca41fe615b4acc43 .iconlist_icon{\nbackground-color:#870d87;\n}\n.avia-icon-list-container.av-mt2abc-d5e870f7af9d14d7ca41fe615b4acc43 .iconlist_content{\ncolor:#34393b;\n}\n<\/style>\n<div  class='avia-icon-list-container av-mt2abc-d5e870f7af9d14d7ca41fe615b4acc43  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-mt2abc-d5e870f7af9d14d7ca41fe615b4acc43 avia-iconlist-animate'>\n<li><div class='iconlist_icon av-k4bry0-b2114feb3dad2489215d216c1ddaca5f 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-jouxnc-a92854ed473bcfc51f34f9e75b943408\">\n#top .avia-icon-list-container.av-jouxnc-a92854ed473bcfc51f34f9e75b943408 .iconlist_icon{\nbackground-color:#870d87;\n}\n.avia-icon-list-container.av-jouxnc-a92854ed473bcfc51f34f9e75b943408 .iconlist_content{\ncolor:#34393b;\n}\n<\/style>\n<div  class='avia-icon-list-container av-jouxnc-a92854ed473bcfc51f34f9e75b943408  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-jouxnc-a92854ed473bcfc51f34f9e75b943408 avia-iconlist-animate'>\n<li><div class='iconlist_icon av-hx7p2w-322ec7ad1dad297fe0ef2f90899de89e 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-g3bnk8-2da51d3ced784bc497db9cdd4b11a332 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\" id=\"style-css-av-dizys8-f713c2dc4111442976009f31655f1c82\">\n.flex_column.av-dizys8-f713c2dc4111442976009f31655f1c82{\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-dizys8-f713c2dc4111442976009f31655f1c82 av_one_third  avia-builder-el-56  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-d2neig-1394c4fa6455d8042dcf672b291a66b3\">\n.flex_column.av-d2neig-1394c4fa6455d8042dcf672b291a66b3{\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:#ceecf9;\n}\n<\/style>\n<div class='flex_column av-d2neig-1394c4fa6455d8042dcf672b291a66b3 av_one_third  avia-builder-el-57  el_after_av_one_third  el_before_av_one_third  flex_column_div av-zero-column-padding '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-bhy2uw-bd0ac441265161e4963f7fdffc734656\">\n#top .hr.hr-invisible.av-bhy2uw-bd0ac441265161e4963f7fdffc734656{\nheight:5px;\n}\n<\/style>\n<div  class='hr av-bhy2uw-bd0ac441265161e4963f7fdffc734656 hr-invisible  avia-builder-el-58  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-9bnkt4-8ec8d07429c8ed350d1099edacf073ca\">\n#top .av-special-heading.av-9bnkt4-8ec8d07429c8ed350d1099edacf073ca{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-9bnkt4-8ec8d07429c8ed350d1099edacf073ca .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-9bnkt4-8ec8d07429c8ed350d1099edacf073ca .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-9bnkt4-8ec8d07429c8ed350d1099edacf073ca av-special-heading-h2 blockquote modern-quote modern-centered  avia-builder-el-59  el_after_av_hr  el_before_av_textblock '><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >Jetzt Kontakt aufnehmen!<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-86vdvc-dfda74d05810790673a8578d80b6a3af'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p style=\"text-align: center;\">Ecclesia Pension &amp; Benefits GmbH<\/p>\n<p style=\"text-align: center;\">Telefon: <a href=\"tel:0913197005600\">+49 (0) 9131 97005-600<\/a><\/p>\n<p class=\"defaultFont\" style=\"text-align: center;\">E-Mail: <a href=\"mailto:beratungswunsch-ecpb@ecclesia-gruppe.de\">beratungswunsch-ecpb@ecclesia-gruppe.de<\/a><\/p>\n<\/div><\/section><br \/>\n<div  class='avia-button-wrap av-6ao6iw-0849fd73e3b34f285739ffb83433a210-wrap avia-button-center  avia-builder-el-61  el_after_av_textblock  el_before_av_hr '>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-6ao6iw-0849fd73e3b34f285739ffb83433a210\">\n#top #wrap_all .avia-button.av-6ao6iw-0849fd73e3b34f285739ffb83433a210{\nbackground-color:#870d87;\nborder-color:#870d87;\ncolor:#ffffff;\n-webkit-transition:all 0.4s ease-in-out;\n-moz-transition:all 0.4s ease-in-out;\n-ms-transition:all 0.4s ease-in-out;\n-o-transition:all 0.4s ease-in-out;\ntransition:all 0.4s ease-in-out;\n}\n<\/style>\n<a href='https:\/\/vorsorge.bav.digital\/teag\/kontakt\/'  class='avia-button av-6ao6iw-0849fd73e3b34f285739ffb83433a210 avia-icon_select-no avia-size-small avia-position-center'  ><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-3ov4g8-8c83e08e3650e9d9826d4d1b265f01a4\">\n#top .hr.hr-invisible.av-3ov4g8-8c83e08e3650e9d9826d4d1b265f01a4{\nheight:30px;\n}\n<\/style>\n<div  class='hr av-3ov4g8-8c83e08e3650e9d9826d4d1b265f01a4 hr-invisible  avia-builder-el-62  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-1wg0so-ff6db1e2e6d69b1368e26e8b182e5d4d\">\n.flex_column.av-1wg0so-ff6db1e2e6d69b1368e26e8b182e5d4d{\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-1wg0so-ff6db1e2e6d69b1368e26e8b182e5d4d av_one_third  avia-builder-el-63  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_7'  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-1416'><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-1416","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>betriebliche Berufsunf\u00e4higkeitsvorsorge mit KSP - Infoportal TEAG<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/vorsorge.bav.digital\/teag\/bbu-ksp\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"betriebliche Berufsunf\u00e4higkeitsvorsorge mit KSP - Infoportal TEAG\" \/>\n<meta property=\"og:url\" content=\"https:\/\/vorsorge.bav.digital\/teag\/bbu-ksp\/\" \/>\n<meta property=\"og:site_name\" content=\"Infoportal TEAG\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-15T12:06:40+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Gesch\u00e4tzte Lesezeit\" \/>\n\t<meta name=\"twitter:data1\" content=\"6\u00a0Minuten\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/vorsorge.bav.digital\\\/teag\\\/bbu-ksp\\\/\",\"url\":\"https:\\\/\\\/vorsorge.bav.digital\\\/teag\\\/bbu-ksp\\\/\",\"name\":\"betriebliche Berufsunf\u00e4higkeitsvorsorge mit KSP - Infoportal TEAG\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/vorsorge.bav.digital\\\/teag\\\/#website\"},\"datePublished\":\"2021-06-28T16:29:28+00:00\",\"dateModified\":\"2025-10-15T12:06:40+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/vorsorge.bav.digital\\\/teag\\\/bbu-ksp\\\/#breadcrumb\"},\"inLanguage\":\"de\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/vorsorge.bav.digital\\\/teag\\\/bbu-ksp\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/vorsorge.bav.digital\\\/teag\\\/bbu-ksp\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Startseite\",\"item\":\"https:\\\/\\\/vorsorge.bav.digital\\\/teag\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"betriebliche Berufsunf\u00e4higkeitsvorsorge mit KSP\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/vorsorge.bav.digital\\\/teag\\\/#website\",\"url\":\"https:\\\/\\\/vorsorge.bav.digital\\\/teag\\\/\",\"name\":\"Infoportal TEAG\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/vorsorge.bav.digital\\\/teag\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"de\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"betriebliche Berufsunf\u00e4higkeitsvorsorge mit KSP - Infoportal TEAG","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/vorsorge.bav.digital\/teag\/bbu-ksp\/","og_locale":"de_DE","og_type":"article","og_title":"betriebliche Berufsunf\u00e4higkeitsvorsorge mit KSP - Infoportal TEAG","og_url":"https:\/\/vorsorge.bav.digital\/teag\/bbu-ksp\/","og_site_name":"Infoportal TEAG","article_modified_time":"2025-10-15T12:06:40+00:00","twitter_card":"summary_large_image","twitter_misc":{"Gesch\u00e4tzte Lesezeit":"6\u00a0Minuten"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/vorsorge.bav.digital\/teag\/bbu-ksp\/","url":"https:\/\/vorsorge.bav.digital\/teag\/bbu-ksp\/","name":"betriebliche Berufsunf\u00e4higkeitsvorsorge mit KSP - Infoportal TEAG","isPartOf":{"@id":"https:\/\/vorsorge.bav.digital\/teag\/#website"},"datePublished":"2021-06-28T16:29:28+00:00","dateModified":"2025-10-15T12:06:40+00:00","breadcrumb":{"@id":"https:\/\/vorsorge.bav.digital\/teag\/bbu-ksp\/#breadcrumb"},"inLanguage":"de","potentialAction":[{"@type":"ReadAction","target":["https:\/\/vorsorge.bav.digital\/teag\/bbu-ksp\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/vorsorge.bav.digital\/teag\/bbu-ksp\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Startseite","item":"https:\/\/vorsorge.bav.digital\/teag\/"},{"@type":"ListItem","position":2,"name":"betriebliche Berufsunf\u00e4higkeitsvorsorge mit KSP"}]},{"@type":"WebSite","@id":"https:\/\/vorsorge.bav.digital\/teag\/#website","url":"https:\/\/vorsorge.bav.digital\/teag\/","name":"Infoportal TEAG","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/vorsorge.bav.digital\/teag\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"de"}]}},"_links":{"self":[{"href":"https:\/\/vorsorge.bav.digital\/teag\/wp-json\/wp\/v2\/pages\/1416","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/vorsorge.bav.digital\/teag\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/vorsorge.bav.digital\/teag\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/vorsorge.bav.digital\/teag\/wp-json\/wp\/v2\/users\/18"}],"replies":[{"embeddable":true,"href":"https:\/\/vorsorge.bav.digital\/teag\/wp-json\/wp\/v2\/comments?post=1416"}],"version-history":[{"count":20,"href":"https:\/\/vorsorge.bav.digital\/teag\/wp-json\/wp\/v2\/pages\/1416\/revisions"}],"predecessor-version":[{"id":1685,"href":"https:\/\/vorsorge.bav.digital\/teag\/wp-json\/wp\/v2\/pages\/1416\/revisions\/1685"}],"wp:attachment":[{"href":"https:\/\/vorsorge.bav.digital\/teag\/wp-json\/wp\/v2\/media?parent=1416"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}