Accident Pension Insurance
A lifelong monthly pension if an accident leaves you severely disabled
When an accident causes severe, permanent disability, the lump sum from an accident insurance policy may not be enough to maintain your standard of living long-term. Our accident pension is the ideal add-on: a guaranteed, lifelong monthly pension, independent of any public benefit.
Benefits of this insurance
Paid monthly for as long as the agreed disability grade persists.
Usually activated from 50% disability, though some plans allow lower thresholds.
You decide the monthly pension amount when taking out the policy.
Paid regardless of any public benefits you may receive.
What is covered
Monthly pension for severe disability
A monthly pension is paid when the disability grade resulting from an accident reaches the agreed percentage, usually 50%.
Retroactive payment
The pension is paid retroactively from the month of the accident, and then monthly in advance.
Lifelong duration
The pension continues for as long as the disability grade persists, with no time limit.
What is not covered
Disability below the agreed threshold
If the disability grade is below the agreed threshold (usually 50%), there is no entitlement to the pension.
Standalone enrollment
The accident pension is taken out as an add-on to accident insurance, not on its own.
Real claim examples
Lifelong pension after a traffic accident
After a severe traffic accident outside of work, Ricardo is recognized as having 60% disability. The insurance pays him the agreed monthly pension for life.
Pension after a serious fall
Marisa suffers a fall that results in 55% permanent disability. The accident pension supplements her income indefinitely.
Frequently asked questions
From what disability grade is it paid?
Usually from 50% disability, though some plans allow lower thresholds, such as 25% or 30%.
For how long is the pension paid?
The pension is paid for life, for as long as the recognized disability grade persists.
Can I take it out on its own?
No, it is always taken out as an add-on to accident insurance, whether private, for children, or another type.
How is the amount determined?
You choose the monthly amount when taking out the policy; a common reference value is around €1,000 per month, though it can be adapted to your needs.
Want to protect your income against severe disability?
Tell us what accident insurance you have or want to take out and we will add the right pension.
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