What is incapacity for work?
You are incapacitated for work when you can no longer work partially or at all. This may be caused by your (long-term) illness or accident.
The consequence of this may be that you have less or no income at all. At the same time, your mortgage and other fixed costs will continue to run as usual and must therefore also be paid.
Avoid major financial problems
Prevent major financial problems by taking out disability insurance. This insurance pays out if you become incapacitated for work. You can determine the amount for which you want to insure yourself.
We shorten disability insurance to DI. The premium for an DI depends, among other things, on age, occupation, the disability criterion and the amount of the benefit. You usually take out an DI in combination with a term life insurance.
People with health problems may be confronted with exclusions, premium increases or even denial of insurance when taking out disability insurance.
Ask Hypotienda about the acceptance standards.