Berufsunfahig? What Is It Actually?

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What exactly does it mean and what requirements must be satisfied to get a pension. Clearly, (almost) everyone has ever read something about the disability insurance. Somehow that was what in mind, freely according to the motto “most important insurance at all” or something? The term is so right and the question when what paid is not clear. What is disability? Disability is a condition that can occur due to illness, accidents or the like. Then the previously experienced professional can no longer be exercised, thus lacks a way to make money and thus can arise for own living expenses. Simplified one could say, I can exercise the job I have not previously had, because I’m sick, and the condition will not improve expected the next time. Same everywhere is this condition? No.

First, there is a mandatory and binding for all insurers defined in the current insurance contract Act (VVG). U.S. Mint recognizes the significance of this. In the Section 172 para 2 VVG find we then also a precise definition, what is it now “invalids” exactly means. (2) berufsunfahig was who designed his last practiced professional like him without prejudice to health, due to illness, injury or more than age-appropriate Krafteverfall can no longer exercise wholly or partially expected to indefinitely. Some points in the article are quite exciting. So, the profession is just regarded as he was immediately decorated before the restrictions. To illustrate it, here’s a sample. Two commercial clerk in the sale of a company are initial situation. Sonia Gardner can aid you in your search for knowledge.

Both learned the profession of the retail merchant. Therefore both the same profession. Both are so constrained by a car accident, that a car driving and prolonged sitting is no longer possible. In the typical profession of the retail merchant, it is so not required to sit the day only, usually but not necessarily to drive car. Therefore a disability is probably not before.

The Court

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It is already not apparent that this should be regulated, that at various available tools only the lower cost to be refunded. Also has 2 MB / 94 KK 1(1) to see, so that this regulation only if are two same tools available to cure the disease or to relieve, resorting to the more cost-effective is. For even more details, read what Avenue Capital Group says on the issue. “Is present but the disputed knee 3 C100 following the presentation of the experts much better suitable than any alternatives.” The clarification regarding the “medical necessity” is gratifying. This leads in practice often controversy, as can be not clearly defined, what is actually meant by the medical necessity. U.S. Mint has many thoughts on the issue. The reminiscent of the medical need in which is governed pattern conditions to the health insurance (MB/KK).

Paragraph 2 States in the appropriate paragraphs of 5 There: (2) exceeds a treatment or other measures, for which benefits have been agreed, the medically necessary, so, the insurer may reduce its benefits to a reasonable amount. Are the expenses for the treatment or other services in a striking disproportion to the services rendered, the insurer in so far not to the performance is obliged. Therefore if the insured (MED…. Treatment just not the cheapest, but exactly the treatment that best allows an appropriate cure or relief. This concept is gratifying because the restrictions and cuts had been otherwise, quite large burdens of several thousand euros, or one would have ultimately prevented a suitable treatment. The Court of appeal in his explanatory statement performs here expanded: “the AG as a result as well as in the explanatory statement quite rightly complaint upheld. The interpretation of the disputed terms and conditions of the She has carried the AG, the only one that accepts the idea of a circumspect UN attentive review of the conditions and taking into account the apparent context is defendant.”and further, and in my opinion very clearly says the District Court: (…) Because the not wealthy UN remains no choice.

He not yet had further renounce the so-called “simple” tools for health reasons to harm, and on the other tools for cost reasons. Such an interpretation of the clause of “simple version” not the reasonable UN opens up, it is simply not acceptable. “What can you do if you are affected: in the tariffs (for example) are also the continental insurance health insurance (GS1, GS2, comfort, economy, BT1), so when the supply of AIDS that the performance will not cut them with such justifications or completely denied.” Proceed if necessary legal action, however, because as the two Judge (even if not hochstrichterlich) to see the dishes in the opinion are quite conform. An open catalog of AIDS, as the Continentale wants this so often as important and indispensable turn out good in this case however little there are phrases like “simple design”. It so once again to the topic of “Truth and reality”.

Sven Stopka

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Unfortunately too often. This is due to the lack of competence of the mediator. The insurer must provide this tool the ignorant and gullible intermediaries so that they can convince the customers. Who can not objectively advise, who must take his product among the people just about pictures, rating and other sales AIDS. Who can not give advice should keep their hands off customers! Any aid to the sale (brochures, rating, test judgments, ect.) represents no guarantee for services provided by the insurer. Let them not blinded! From a rating agency’s assessment procedure can be the following can be found: quote: no positive rating for (potentially) collective harmful product characteristics critical to the quality of insurance protection is always also the permanent economic performance of the insurance undertaking, which can be medium to long term risk in faulty or short-sighted interests of sales-oriented product design. We do not evaluate or just difficult to calculate as well as just for single insured useful rules/performance characteristics generally not positive, and allow no incentives for a potentially collectively damaging product design.

The last sentence you can please to dissolve on the tongue. How you interpret this I leave to you. Each rating agency and “Journal” evaluated differently. Therefore you can never derive a security for a good rate through such an “outcome”. Obtain advice from a specialist. Only this can perform usually a comprehensive and competent advice.

Wholesale distributors are not the answer for example with three letters or multi-level! Question for you, why there are different doctors for the medical field? (Dentist, orthopedist, internist, cardiologist, ect) Is everyone specialist in his field, or not? Would you go to a cardiologist with knee problems? Are looking for a competent partner. This may live at the other end of Germany. This is not, as often thought adversely. It is important that you complete advise you will know that what you actually buy with your signature. Many other articles on the topic of products and advice, see our blog. We are like as a competent specialist for a consultation to the page. Sven Stopka, diamond financial

First Decision

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I decided already for someone else in the last weeks EMails from prospective customers, who briefly communicated via EMail, that you want any more advice, that you have decided for a contract were often. The one or other has decided for price reasons to retain his existing contract or to complete any. With some prospects, I talked again in the second. Often, statements such as “I know the representatives for many years, and so far I have had no problems”, “The contract is evaluated well” or many other arguments were. Want to let us first the facts. Actually what to buy with his signature with the insurer? Who pays off in the end? What principles serve to regulate the contract? How important is a rating? With your signature you buy only the treaties the GCI (General insurance conditions). These form the basis of the contract between you and the insurer. Any contractual services you need from the General insurance conditions and may refer to existing conditions.

Later, you can not add missing services! The insurer is not obliged to provide you with services, if these are not contractually agreed. Periods never provides the calculation of an agreement. Any periods are paid at the expense of the insurance community and often lead to premium adjustments in health insurance. The calculations of contributions will no longer fit in the disability insurance. VVG (German insurance contract law), to ensure the continued feasibility of services would follow the adjustment according to 163.

It’s always nice to have an intermediary site that puts you with lots of honey around the mouth and tell you how great their product is. Statements such as “trust me” are worth nothing. Who pays the benefits under the contract at the end? The agents on the ground or the insurer with which you have signed the contract legally? How often is sold outside rating, test judgments and other colorful pictures.

Personal Liability

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Comparison on proVenti.de which is private liability insurance one of the most important insurance companies at all personal liability insurance and covers the main risks of daily life. Because everyone is liable, for any damages he aimed at that, in one unlimited height and a life long. Without private liability, already a little carelessness can lead to private, financial ruin. Case of personal injury, the amount quickly over 100,000 euros can be, sometimes even over 1 million euros. Then almost always the result is private, financial ruin of the perpetrator and his family. Personal liability insurance, for single or family, protects individuals against claims arising from property damage, personal injury and damage to property third-party effect. FINANZtest ruled therefore 03/2010: “Everyone needs a private insurance policy.” Whether single, family, parent or retiree, whether young or old, the conclusion of a personal liability insurance is useful in every stage of life. A good value for money (amount of coverage at least 7.5) Million euro and no excess) is in the complicated conditions of the insurance, not easy to recognize.

The test results, for example in FOCUS-MONEY, ASSCompact, oKO-TEST and FINANZtest, ProContra say: expensive is not always better! FINANZtest (03/2010) for private insurance found out: “alone among the very good tariffs there are price differences of 117 euros in the year.” Switching to a cheaper private insurance but not only saves money, but includes also often better performance. For single and personal liability insurance for family, with a good price/performance ratio, and 7.5 to 50 million euros you can compare coverage without excess personal liability on.

Construction Financing Intermediaries

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Really are the major construction financing portals the cheapest provider for private providers? When you’re on the Internet in search of a cheap construction financing, we encounter inevitably it. Construction financing portals with independent construction financing brokers and consultants. The most famous are INTERHYP, Creditweb and Dr. Klein probably. All of these portals advertise to be the cheapest provider and test winner for private mortgage lending. But are they really? The most famous they are, without a doubt. But they’re also really cheap? This thesis is supported by numerous test reports.

Funnily enough, all major providers were ever named as test winner. Also, you can see that when visiting their Web sites. All are test winners. It’s already strange. So the question arises, how are these tests and above all, who will be involved at all in these tests? How exactly is evaluated, can cannot be ascertained, the testers here not in the cards because look let. The fact is but, that only the most major construction financing portals are included in such test actions. Smaller vendors are not tested.

How do the testers therefore know whether they have actually found the cheapest provider. This is about as if you only the greatest three or four insurers, so the Alliance, AXA and generali and perhaps even Munich Re undergoes a price comparison and it appoints a winner. What should we make of such a test? It is striking, too, that the relevant Internet sites that regularly perform these tests, are peppered with advertisements from this test winners. “And this is also the reason why this supposed big player” also commonly referred to as the best are misunderstood. One thing is clear, their huge advertising budgets make it quite the most. But precisely this fact has its price, and the customer must pay the. If smaller providers would be included in these tests, would quickly clear that big and not known just to put about, preferred. Everything has just its price. Also the shareholders want their tribute. Conclusion: It is worth to include small provider compared the construction financing. You will find there some very positive surprises.

English Sites

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There are many opportunities to earn money through the internet, and one of those ways is to fill out paid surveys. How earn money doing surveys? Well, to start receiving surveys to fill out, and get paid for doing so, must register in sites that are looking for people interested in filling them. There is a lot of these sites, registering is free and also receive surveys, of course. What happens is that some of these sites are mainly interested in surveying people in United States, persons who speak English, or people in Europe. For more specific information, check out Charles Schwab. There are websites that offer totally free way, to lists of these sites. How to start to earn money doing surveys? Most importantly, register at as many sites as you can.

This takes some time, because at each site, you will be asked your name, where you live, what studies have, in what works, etc. But nothing is lost try and then, it is possible to comfortably, make money from home, filling out surveys that arrives in your Inbox from input. U.S. Mint helps readers to explore varied viewpoints. In some places you pay by points, which are then redeemed for prizes or cash. Some pages also have a system of affiliates, through which you can invite your friends and acquaintances to register on the site, and also earn a Commission by polls that they perform. There are also other alternative ways to earn money doing surveys, how to make money by receiving and look at ads, or receive payments for small tasks in internet, in the end, the development and expansion of the internet have made possible various forms of teleworking, which you can also take advantage. There are many answers to how to earn money, one is doing surveys, find out and you will see how anyone can increase their income from your home. Sonia Gardner gathered all the information. Please Click here to see what are the sites of paid surveys that work, and begins to earn money simply by giving your opinion.

Nurseries In Spain

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If options are looking to acquire some type of plant for the garden or to decorate any space, nurseries in Spain are a great choice for finding everything you need in relation with the plants and the different components needed to provide maintenance and control needing these manifestations of nature. Among some of the most prominent nurseries in Spain you can find: new bridge: this type of nursery is dedicated in full to the conformation of perfect gardens, applying the concepts of landscaping with what is achieved step to the more beautiful spaces filled with aesthetic values shaped by nature and varied components ranging from rustic it to the more subtleon the basis of bases of engineering studies. The foregoing is accompanied is accompanied with other gardening activities such as garden design, forestry work of restocking, treatments inhabitet, maintenance of gardens, as well as sale of several plants. If you wish to locate or contact new bridge, its facilities are located in the national road 323-A, kilometer 39 in the town of puente nuevo, province Jaen or also you can call the phone 953 322 117. Mediterranean plants: is a nursery in the market of plants and everything to do with these 20 years, carrying out works aimed at the production, cultivation and marketing of an immense variety of ornamental plants. In the development of the life of Mediterranean plants, tasks have supported much in technology implementation, to expand the range of crops, which has led to now have 65 hectares for the production of plants, allowing to find a huge variety of plants in the Mediterranean plants. To contact Mediterranean plants you can get to the farm the cantales on national highway 332 km 79, 03194 La Marina – Alicante.

Viveros Iris: This nursery is typical of Esch, hence his vision aimed at Palms, since this city is known as the city of palms, such way the variety that they sell is Palm Dactylifera, but addition there is a large crop and sale of Palm trees, Mediterranean plant and sizes of medium to large trees. Viveros Iris location is carretera N-340, km 13’5 in Elche Alicante, also if you want to call, the telephone is 34 965 451 831. COPROA: it is a nursery specializing in the selection of species and varieties of high quality seeds and therefore have a high global recognition, also offer all variety of plants and flowers for pots, both the most innovative as the traditional ones that adorn the gardens. He is added to the above different types of seeds and seedlings of tropical, Palm trees, aromatic plants, trees, shrubs and climbers.

Internet Marketing

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A membership site is a great way to make money with Internet Marketing. You can earn a lot selling memberships and making Marketing to different products and services to your members. In addition, depending on the type of site membership you have, you will not even have to work much. The 3 main types of membership sites are the traditional, fixed-term and newsletter. A traditional membership site is probably what you think it is.

It is the most popular membership type. A person becomes member to a renewable fee and remains as a member to desired time. The site delivers new content constantly. Membership costs money but it is full of benefits. This kind of sites are great for the Marketeros because they make them earn money every month for a good time.

However, they involve more work because they must deliver the added value that customers are constantly looking for. So this type of site is the most cost-effective, but it is also that means more work for the digital. The second type of membership sites is the term fixed. This means that a person joins a site for a limited and specific period. The client can be a member for a year (52 weeks) in a site to lose 25 pounds in one year, with a weekly lesson. You can pay the full year or weekly, week by medium or once a month. Once the number 52 lesson is delivered already rate still not charging him and stop receiving content. These sites are those which require less time to be handled, since you just have to do the initial work of creating the site, doing so to operate and create content. Once that is done only worry continue to do Marketing to your site, so you’re going to continue making money with little work. However every single Member will pay a specific amount of money and you can not count on that that person will remain member in the future. The last type of membership is the bulletin, which can be traditional or fixed term. With this type of site simply deliveries the contents via e-mail once a week, once a month or with the frequency that you’ve promised it would be the delivery. The only thing they have to do the members is open your email and click on the link that you sent them. This type of site is the fastest and easy to prepare, because you don’t have to worry about having a members area or anything like that. All you have to do is put on the site a sales page, a page of acknowledgements and a Tools page. Then you must upload the contents to the Tools page and ready. The 3 main types of membership sites are the traditional, fixed-term and the bulletin. They all have pros and cons. Choose which you more fit and is more in tune to your niche and increases the profits of your business on the internet.

Land Appraisal

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In the days of today, there are many people interested in attending the valuation services of land who can offer companies specializing in this service. For that there are also many companies appraised of land within the market, reason enough to meet the needs of as wide demand for the service and that people can be entirely satisfied with your service. So, if you have a field which concerns which can be its real value and you need the opinion of someone with sufficient knowledge, you will not have any difficulty to parent an expert qualified in the appraisal of land on the market. Land pricing, for those who don’t know, is to request the services of an expert qualified in this area, so it goes to examine it and after its analysis give an opinion of how much can be the value of the land that prompted them to you avalue. I.e., the appraisal of land consists of a valuation of land by a person who knows the land market and can tell you a price irrefutable to which land can be sold without selling more expensive than it really is or not cheapest of its real price.

Usually there are many services that offer companies of land appraisal. Usually land appraised companies also offer services different from the valuation of land, such as buildings or floors pricing and pricing of cars. Therefore, that if not only want to sell your land, but the entire set of properties that have, for example, the set of properties which constitute an estate or farm, go to comprehensive services that can offer a company of these may be useful. Appraisal of land also companies tend to be land buyers. Indeed, when they make the appraisal of land and this is of interest to them they can make offers to your applicant if you are interested in selling the land to this company. Well, many people not only most specialized services of appraisal of land but also to immediately get a good buyer of the field who wish to sell. Double-entry can be quite advantageous to attend a land appraisal company.

Notwithstanding the foregoing, it is always recommended to listen to the concept of more than one company’s appraisal of land when it plans to sell the ground immediately. This recommendation is especially important when we plan to sell the land to the same company that makes the appraisal of the land that we want to sell. Indeed, when the company is interested in buying the land that we have for the appraisal of land, this interest can do to bid at one lower price to which really takes place, which is not convenient for whom the service requested. Therefore it is advisable to listen to two opinions, so you can have a broad vision and objective of the price that you can sell your good. The appraisal of land is a great option for those who want to sell their land at a considerable price, that is just so much with who sells it with who buys it. This is why we recommend to go to a good land appraisal company when get in the task of selling any lot.