Työkyvyttömyysvakuutus

Työkyvyttömyysvakuutus, known in English as disability insurance, is a type of insurance designed to provide financial protection to individuals who become unable to work due to illness or injury. This coverage typically pays out a portion of the insured's income if they are temporarily or permanently unable to perform their job duties. The specifics of what constitutes a disability and the benefits provided can vary significantly between policies.

In many countries, disability insurance can be obtained through employers as a group benefit or purchased individually. Group policies are often more affordable due to risk pooling among employees. Individual policies allow for more customization in terms of coverage amounts and benefit periods. The premiums paid for these policies are generally determined by factors such as age, occupation, health status, and the level of coverage chosen.

The purpose of työkyvyttömyysvakuutus is to help individuals maintain their financial stability during periods when they cannot earn an income. This can cover essential living expenses, mortgage or rent payments, and medical costs. Without such insurance, a prolonged period of disability could lead to significant financial hardship and debt. Understanding the terms and conditions of any disability insurance policy is crucial to ensure it meets individual needs and provides adequate protection.