Insurance despite psychotherapy
You write that occupational disability insurance is one of the most important safeguards and therefore a must. Yes, but what to do if you do not get one? I have after the divorce a talk therapy made to handle the grief better. That helped me a lot, I'm fine again. But now is exactly the therapy that has been completed for a year, the reason why my application was rejected by the BU insurance: The conclusion of psychotherapy should be at least five years ago. I just do not understand that. Where is there a risk for the insurance? A psychotherapy is still a recognized and proven way to crisis management. , , "
What happened to ChroniquesDuVasteMonde reader Anja K. is unfortunately the common practice. It is understandable that insurance companies want to protect themselves against high risks - after all, about 38% of all disability cases are caused by mental illness. It is not understandable, however, that all insurance applications are rejected on a lump-sum basis if someone is currently undergoing psychotherapy or psychotherapy is usually three to five years old. Because it is completely undifferentiated, when mentally ill people who are no longer able to work or who are suicidal are lumped together with those who want to manage an outpatient psychotherapy crisis after a divorce or the death of a close relative.
Common practice carries a risk for applicants: Occur in the meantime, health problems, z. After an accident, for example, you hardly have a chance on this existentially important hedge. Because women have a much greater health awareness than men and are more likely to use crisis management with professional help, they are particularly hard hit by the 5-year clause. The regulation is in my opinion discriminatory and so outdated - a change is urgently needed. Unfortunately, there is currently only the option to resubmit the application later.
