Disability Pension vs. Loss of Work Capacity: The Guide That Can Save Your Financial Security

A comprehensive guide with attorney Sharona Barneboim that breaks down the insurance mechanisms within the pension fund: the disability component, loss of work capacity, maintaining contribution continuity, and receiving benefits simultaneously from the National Insurance Institute. The author warns of pitfalls in loss of work capacity policies and emphasizes the importance of legal accompaniment.

A comprehensive guide with attorney Sharona Barneboim, who accompanies insured individuals before pension funds and medical committees, breaks down the hidden insurance mechanisms within the pension fund. The article explains that since the 2008 pension law, every salaried employee and self-employed person is required to contribute, and within the fund there is an insurance component for disability situations granting 75% of the insured salary in case of illness or injury. The author emphasizes the importance of maintaining contribution continuity, as a break of over five and a half months could lead to loss of significant rights, including the compensation component. Barneboim further explains that for an illness unrelated to work, one can also receive a general disability allowance from the National Insurance Institute without deduction, whereas in a work accident deductions may apply. The article warns of a common pitfall in loss of work capacity policies: insurance companies may look for a causal link in the medical history to reject claims. The recommendation is to consult a lawyer even before purchasing a policy and to maintain active contribution continuity even during periods without work.