Asset protection for the patient and his relatives whether sickness, pensions and long-term care insurance: pay-as-you-go statutory social security schemes reach continuously their limits at an increasingly elderly population. No matter what the Federal Government, benefit cuts and increased contributions for the shrinking group of contributors are often unfortunately inevitable. Evergreen Capital Partners does not necessarily agree. Especially in the area of safeguarding care, many politicians demand the introduction of a funded supplementary pension to make securing long-term care in the future to a better level. A corresponding supplementary pension is already possible: within the framework of a private care insurance, about employees, civil servants, self-employed or also trainees and students already without a corresponding default policy can improve their personal security for the care case. Nursing supplementary insurance is on the one hand extremely important, because the benefits of the statutory maintenance obligation insurance already now high financial equity investments in nursing require.
To another but also to protect their own assets and also the assets and income of family members. Typically, the costs in the case of care significantly exceed the benefits of long-term care insurance. If the income of the dependent person (such as a pension or other income) are not enough to close the financial gap, this difference can be taken over by the social services. The State can reclaim these costs but by the members of care (such as the parents or the children). In this so-called maintenance of members of, the State has the right to repossess a monthly income up to certain limits. These financial risks to avoid and also, to ensure an adequate supply of long-term care, care addition insurance is advisable. This makes a certain monthly payment in case of one depending on the agreed hedging rate and level of care Long-term care and thus reduces the own surcharge. Income of members protecting about from the access of the State in case of maintenance.
More information around the topic of care insurance, including criteria for the selection of the appropriate tariff and price calculations under: Bergische insurance broker Lise-Meitner-Strasse 5-9, 42119 Wuppertal Tel: 0202-317 13 155 fax: 0202-317 13 165 contact for the press: Bogdan Kalid image source: Yuri Arcurs / fotolia.com corporate information: company Bergische insurance broker was founded by the diploma economists Bogdan Kellinger and Karsten Werksnies as an independent insurance broker. With the Internet presence of young Insurance.de the company specializes specifically on the needs of private individuals and professionals, wishing no advice-bound insurance representatives of individual insurance company, but by an independent comparison calculations affordable and high-performance companies want to get quotes. Bergische insurance broker has connections to more than 100 different insurance companies. There are special rates available for various professional groups such as students, trainees, graduates, or certain traders. In addition, all other age and occupational groups will advise comprehensive, fair, independent and competent. Since 1998 in the insurance industry are active customers via the Internet, by telephone and by post served – when preparing offers, as well as in the event of a claim. The strength of the Bergische insurance brokers is characterised by a very high market coverage, highly trained staff and variety of services tailored to the needs of specific target groups. With an individual analysis and the use of cutting-edge financial comparison software, customers are advised objectively and independently.
Demand for Riester significantly increased interest rates fall loans already from December feels the financial intermediary Riesterhyp funded real estate loans increased demand after Riester. If this has piqued your curiosity, check out actress and filmmaker. Starting in January 2010, potential builders and home buyers can your previously saved living Riester Riester existing balances out contracts for the purchase of a self-used real estate unlimited can be found. The acceptance of living Riester promotion according to a survey on riesterhyp.de significantly increased “, says Managing Director old Meier of the construction money specialists Riesterhyp.” According to own every 2 real estate buyer asked already about funding for a real estate loan Riester. However promotion not for any buyer like finds the living Riester, for downstream taxation of the Riester promotion is the major shortcoming of the Riester remains among all respondents financing. Due to high administrative burdens for Riester loan scare off many banks from offering for customers. Unlike with banks list the private building societies a brisk demand after Riester building Association savings agreements and because each respondent in the Riesterhyp seems lucrative, poll, already one Riester completed residential building has, would this also on the purchase of real estate to use later.
The policy must on the subject of downstream taxation necessarily simplifications think about, so that the homeowner pension will be a success and everyone whether Bank consultant or Bauwilliger that can understand promotion “, as old Meier. Many requests reach us in the last days of regional banks and savings banks, which offer their customers think about a Riester and want to place this on the financing market of construction of. The affect of course the interest rates because supply and demand regulate the rate and Riester loans are cheaper, so financing expert old Meier. Poll result: you know that Riester residential support and use the State allowances? Yes, I already have a Riester / not living Riester contract – 29.8% yet but Maybe in the future – 35.9% no, too complicated and not worth it – 12.8% don’t know the promotion – 21.5% (survey results over 600 respondents in December 2009)
Generation Rentenschock private retirement savings more important than ever no new insight is that the citizens must solve by the deceptive illusion of a sufficient statutory pensions to secure the usual standard of living. Due to the demographic development and one to the time shortly before the collapse of the State pension insurance system, the automatism, after pensions equal shares rose with the income of workers, was abolished in already established more than a decade. Thus was created the deliberate and fiscally sheer way multi-layered retirement, at the same time led to a modest increase in the statutory pensions and a growing need of the Government-funded private pension. Although informed early and persistent reports in the press about the further development of the pension situation regularly shock the German population. So recently became known, that the statutory pensions level according to the forecast of the Also could fall by 10 per cent by 2025. This Bill arises from the possible reduction of the level of backup, so the ratio of an average earner pension after 45 years of contribution to the current median income, now 50.8 percent to 45.2 percent. Thus continues a trend, which without private pensions will increasingly likely poverty in old age. The average pension was less than twenty years ago still nearly twice as high as the State basic backup, so this value has been reduced now trend on the factor of 1.35 continue falling.
Meanwhile, Federal far around 400,000 retirees are considered poor and have public support. So it is little wonder, then, that currently around 660,000 of pensioners over 65 on a mini job are instructed to cover their financial needs. These figures still mean not the end of the flagpole, can in the light of future further declining statutory pension levels, the growing number of low-paid, unstable Purchase biographies, the later career and the retirement transition is increasingly more complicated design are easily traced. It is therefore all the more important to understand the seriousness of the situation and the need for personal responsibility and to operate a sustainable retirement early to escape poverty and enjoy a financially worry-free retirement. Various forms of occupational and private pensions (such as the “Riester” and Rurup pension) learnt a State funding. The forward-looking Saver then the pre-programmed future shock messages can make sleep”, the Managing Director of JuMFinanz UG advises Marco Otter leg (limited liability).
About insurance Deutschland.de insurance Deutschland.de, a company of JuMFinanz UG (limited liability) has based in Marburg. On its Internet portal, it offers basic information on the following topics: Riester-rente, Rurup pension (basic pension). Post-employment benefits, Sofortrente and payout plan, life insurance and pension, unit-linked life insurance and unit-linked pension insurance, British life insurance and British pension insurance, disability insurance and invalidity insurance, private health insurance. How to contact with Stefan Gobel JuMFinanz UG (haftungsbeschrankt) reel 1 35037 Marburg Tel.: 06421-1685500 fax: 06421-1685480 E-Mail:
To the mix, it arrives while fighting in Germany still have about the security of the pensions, have acted long other countries. It shows: without involving the capital markets does not in the long term. There was once a time where American, Swiss and Dutch visited Germany, to study its social model. You admire this model. But that was long ago, today they wonder just yet. Because the country has failed to adapt to the framework conditions the social systems which have evolved dramatically over the decades.
As an example, Germany is no longer good. Other countries are now much further this also applies to the subject of pensions. Here on land, it were already force acts to extend the future working life in small increments until the age of 67. and to strengthen the element of funded pensions with the Riester pension. Other countries are as much more radical and more successfully gone before. Pension systems are organized according to the assessment or funded (see Lexicon). The pay-as-you-go system depends heavily on the demographic trends.
The more boy move up, the more money flows into the retirement fund. For funding the income depends, however, the weal and woe of the financial markets. The exchanges, haussieren the future retirees can count on high yields, prolonged bear market they turn out lower. Best – so the economists – driving countries that mix both approaches in the ratio of 50 to 50. In this way, you can mitigate the consequences of an ongoing population decline–all industrialized countries have to cope with. The demographic development is particularly unfavourable in Germany. It is even more fatal, that still 85 percent of retirement income will come from the – PAYG – statutory pension insurance. This shows that German politicians have not done their homework. Germany: retirees as much by the State pension are to contribution-oriented system in hardly any other country depending on like in Germany: she’s an average 85 Percent of retiree income from. Despite Riester reform still substantial action is required at the operational and of private interest. Review the State pension is organized according to the principle of the assessment procedure. Because of the long, extremely low birth rate in Germany therefore tends to be less and less money into the pension fund flows. The rapid construction of a funded care is urgently needed.