Life and Disability Benefits in Germany

Details on statutory and supplemental offerings.

Updated on February 1st, 2023

What do statutory life and disability benefits cover?

Employees are entitled to life insurance benefits through statutory pension insurance. A survivor pension is payable to a surviving spouse or civil partner and is determined by the deceased’s anticipated pension. An orphan’s pension is also payable to a qualifying orphan. There are several factors that determine these pension amounts. 

What life and disability benefits do most employers offer?

Private pension plans typically include supplementary life and long-term disability benefits. Since Velocity Global does not offer a pension plan, the best option is to provide an allowance or enroll the employee in our global life insurance policy.