Occupational profile
Document time allocation, physical and mental demands, and the duties that define the occupation.
Disability insurance claim
Berlin and across Germany
Disability Insurance Claim Denied in Germany – Lawyer
Challenging denial, occupational assessments, and benefit termination
If a German insurer denies occupational disability benefits or later stops an accepted pension, the precise duties of your last occupation, the medical evidence, and the insurer's stated reasons become central.
These issues are particularly important for a potentially long-term monthly benefit:
- ›Document the actual duties and demands of the occupation performed before the illness
- ›Connect medical restrictions to the degree of disability required by the policy
- ›Assess any proposed alternative occupation or alleged ability to reorganise work
- ›Challenge rescission or avoidance based on allegedly incomplete health disclosures
- ›Review whether an accepted monthly benefit was lawfully stopped after reassessment
You receive a clear assessment of the facts and evidence supporting the pension claim and the appropriate response to the insurer.
The job description is critical: A diagnosis alone does not show how far your actual work is restricted. A precise comparison between duties and limitations may decide the claim.
Full service in English language
What matters in a German disability-insurance dispute
Medical evidence
Connect findings, treatment history, and functional restrictions to the actual work.
Health disclosures
Assess rescission, policy adjustment, or avoidance based on pre-contract health answers.
Reassessment
Review the reasons and comparison used when an insurer stops an existing benefit.
Three layers determine a disability-benefit claim
The occupational profile, medical capacity, and policy wording must fit together. A weakness in only one layer can undermine the whole claim.
The occupation before illness
The test is not an abstract job title but the real working day before the restrictions arose, including time shares and defining duties.
Function rather than diagnosis
The evidence must show which duties can no longer be performed, or only with restrictions, and how material they were to the occupation.
Answer each reason for denial
Medical reports, alternative occupations, work reorganisation, and health disclosures are assessed separately under the policy and the applicable burden of proof.
Frequently asked questions: Disability insurance claim
Is my diagnosis enough to establish occupational disability?
Usually not on its own. The decisive question is how the condition affects the material duties of the occupation you last performed.
Can the insurer refer me to another occupation?
That depends on the policy. Training, skills, previous social and financial position, and the exact wording of the alternative-occupation clause must be considered.
Can an insurer stop disability benefits it has already accepted?
Only under the rules governing reassessment. The insurer must explain the relevant change in a legally sufficient way.
What if the insurer alleges incorrect health disclosures?
The questions asked, your knowledge, fault, causation, and the insurer's deadlines must be examined separately. Rescission or avoidance is not automatically valid.
Mandant
a week ago
Highly competent and professional advice. Dr. Lerch works in a structured, efficient, and solution-oriented manner. I was particularly impressed by his ability to clearly and concisely explain complex legal issues and derive concrete courses of action from them. Agreements were reliably kept, feedback was prompt, and communication was consistently straightforward and professional. I was very satisfied with the advice and can wholeheartedly recommend Dr. Lerch!
Mandant
3 weeks ago
Dr. Lerch promptly returned my initial inquiry, and we were quickly able to schedule a personal consultation. He professionally addressed my concerns and took action. Any questions I had were answered quickly; he was friendly, empathetic, and offered a highly professional and honest opinion. I would definitely consult him again for legal advice.
Mandant
4 months ago
Mr. Lerch provided me with highly professional, calm, and dedicated support throughout my legal proceedings. I particularly appreciated his honest assessment of my case and the clear communication he maintained throughout the entire process. Thanks to his strategy and preparation, we achieved a significantly better outcome than originally anticipated in the penalty order. I felt well-advised and taken seriously at all times. I can therefore wholeheartedly recommend Mr. Lerch and thank him again for his support. B. Paal
How your insurance dispute is handled
Step 1
Send the claim and decision
You describe what happened and provide the policy, terms, and the insurer's decision.
Step 2
Assess cover and evidence
The policy, objections, deadlines, and evidence are assessed together.
Step 3
Receive clear guidance
You receive clear guidance on the claim, the risks, and commercially sensible options.
Step 4
Pursue the claim
We agree on negotiations and, where needed, proceedings before the German courts.
About Dr. Lerch
Dr Philipp Lerch represents policyholders in denied and terminated occupational disability claims in Germany. The work focuses on the actual occupation, the medical evidence, and a commercially sound strategy for the long-term benefit.
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