I have been offering independent
financial services & financial planning for more than
20 years. I guarantee a consulting service that is not linked to any banks or insurance companies, and we will support you in all your financial matters. When providing my service, i take account of any existing employer contributions such as company-funded pension plans, employee-funded pension, contributions to capital formation (VWL), housing loans, etc... and of any existing contracts.
the office of Isabelle Helme Individuelle Finanzberatung has moved to the SAP commercial park in St. Leon-Rot.
Office: Opelstraße 9, SAP Gewerbegebiet St. Leon-Rot +49 6227 651 33 29 or email@example.com
SAP Occupational Disability Insurance Add on
Occupational Disability Insurance, is after Health Insurance, one of the most important Insurance to protect yourself against the consequences of long sickness!
Insure your human Capital in case of long seackness or accident
You are happy that with SAP you have found an employer in Germany you can trust, who promotes you talent and
gives you the opportunity to start a new life in Germany. At the moment you are doing better than ever before -
and yet this is just the beginning of your future. Many colleagues put it at the back of their minds that life also involves risks that they do not know of today, hoping that everything will go well. Nevertheless one should know as much as possible about these risks and have a good look at the possible consequences. What will happen, for example, if you have to face one of the following challenges in the next few years?
What’s next in terms of money?
Statistically speaking, one out of four people in Germany suffers such a blow of fate (serious accident or illness). This is also true for people working in offices. You would no longer be able to exercise your profession at SAP and would be occupationally disabled in Germany.
To make matters worse, you will have financial worries in addition to your health problems as SAP will continue to pay your full salary for 6 weeks maximum only. Afterwards, your statutory health insurance will pay a sickness benefit for up to 72 weeks maximum. But the amount of the sickness benefit will always be below your previous net income. SAP will cover the difference for 12 months and then this payment will stop.
What will happen after 72 weeks?
When these 18 months have expired, the sickness benefit will no longer be paid and you will receive unemployment benefits from the state, but only if you have been working in Germany for five years at that time.This is often not the case as you may just have come to Germany from abroad.
Through SAP’s company pension scheme you will receive a monthly occupational disability pension (if selected) of € 2,149 maximum, but only until the age of 62. After the deduction of taxes and social security contributions you will have less money at your disposal so that you will need a private cover until you reach pensionable age (67). We recommend taking out an insurance cover of 80% of your net income.
I have been offering independent
financial services & financial planning for more
than 20 years. I guarantee a consulting service that is not linked to any banks or
insurance companies, and we will support you in all your financial matters.
When providing my service, i take account of any existing employer contributions
such as company-funded pension plans, employee-funded pension,
contributions to capital formation (VWL), housing loans, etc... and of any existing contracts.
Consulting office for SAP & Friends in Opelstrasse 9b, SAP business park in 68789 St. Leon-Rot
For all SAP colleagues who are not at the location, I offer webinars and conference calls.
We check your existing financial solutions, supplement and optimize them if necessary.
Unique selling points: 100% independent and 20 years of experience with financial planning for SAP employees
Baufinanzierung - Geldanlage - Versicherungen - Rentenplanung - Familien Vorsorge
Anlageberatung & Anlagevermittlung: IH Individuelle Finanzberatung UG(haftungsbeschränkt) & Co. KG ist im Rahmen der Anlageberatung und der Anlagevermittlung von Finanzinstrumenten gem. § 2 Abs. 4 WpHG als gebundener Vermittler ausschließlich im Namen, für Rechnung und unter Haftung der FiNet Asset Management AG tätig.
Unabhängige Beratung und Vermittlung von Baufinanzierungen für Ihren Kauf, Umbau oder Neubau. Günstige Zinsen durch Marktvergleich inklusive Fördermittel-Beratung, Wohnriester, Bausparverträge, etc. Immobiliendarlehen, Umschuldung, Forward-Darlehen, Förderdarlehen. Beratung vor, während, nach dem Kauf.
Unabhängige Beratung und Vermittlung von Versicherungen: Berufsunfähigkeitsversicherungen, Risiko-Lebensversicherungen, geförderte Riester- und Basisrentenversicherungen, Direktversicherungen, Private Krankenversicherungen, Krankenzusatzversicherungen, Wohngebäudeversicherung, Bauherrenhaftpflichtversicherung, Feuer Rohbauversicherungen, Privathaftpflichtversicherung, Rechtschutzversicherung, Berufshaftpflichtversicherung, etc..
Online oder Vor Ort Beratung/Service im Rhein Neckar Kreis | IH Individuelle Finanzberatung im SAP Gewerbepark St. Leon-Rot oder bei Ihnen in Heidelberg, Walldorf, Wiesloch, St. Leon-Rot, Schwetzingen, Speyer, Mannheim, Ludwigshafen, Viernheim, Weinheim, Hemsbach, Heppenheim, Lampertheim, Bürstadt, Worms, Bensheim, Pfungstadt, Darmstadt, Frankfurt, Karlsruhe, Sinsheim.