# Expert Advice on Disability Insurance in Germany | Stay

Safe Disability Insurance

Make sure your income is safe in case illnesses or accidents prevents you from working — essential coverage for sound financial future planning, especially if you have dependents..

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Key features of occupational disability insurance

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Income protection

If you can't work due to illness or injury, disability insurance provides a monthly benefit that covers part of your income, so that you don’t have to stress about money while you’re unable to work.

Flexible coverage

Tailor your coverage by choosing the benefit amount and waiting period that suit your needs.

Long-term financial security

Disability insurance provides support until you can return to work or reach retirement age, helping you maintain your standard of living.

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## Why choose disability insurance?

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### Peace of mind for you and your family

Knowing that you and your dependents are protected if something unexpected happens reduces stress and gives security for the future.

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### Support for long-term health conditions

Disability insurance helps cover costs if you develop a chronic illness or long-term condition that affects your ability to work, providing stability when you need it most.

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### Extra financial security

While Germany's public system offers some support, private disability insurance ensures a higher, more reliable payout, helping you maintain your standard of living by securing your income.

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### Great advantages, but lots of details. We’ll guide you through what really matters.

Get insured today

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## What people say about us

An invaluable resource for navigating Germany’s complex health insurance system. Anja Lampert was exceptionally helpful and incredibly patient.

D Darren S. Navigating German health insurance

I’m a freelancer and my case involved transitioning from expat insurance to full private health insurance. With Katharina’s help, the process was not only smooth but also stress-free.

S Sonya Freelancer

I have receive a very personalized attention since the beginning with a very high professionalism.

J J. Starting work in Germany

All meetings and communications took place in English, hence an expat with limited German language skills can understand the process and available products/portfolios.

A Anonym International specialist

Professional, friendly and informative. Definitely recommend them especially if you're an expat like me and you have no idea about the insurance procedure in Germany. Will walk you through the process and provide feedback in fluent English.

V Vahid B. Newcomer to Germany

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## Quick answers to questions you may have

### Who can get disability insurance in Germany?

### How much are disability benefits in Germany?

### How long do long-term disability benefits last in Germany?

### Does disability insurance cover all types of illness and injury?

### Can I get both state and private disability insurance benefits?

# Clear guidance, tailored to your needs — just the best options for you.

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