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Thinking about tomorrow today — financial security in case of occupational disability, long-term care and for retirement.
Provision for the future means insuring yourself in good time against risks that lie far ahead — and that the state social system does not cover sufficiently. The three most important areas are occupational disability, long-term care and retirement. In all three cases statutory benefits do exist in Austria, but they are usually not enough to maintain your current standard of living.
The earlier you start, the lower the premiums and the higher the benefits when you need them. For some products there are also state subsidies or tax advantages. As an independent brokerage, we help you find the right strategy for your situation — without being tied to any one product.
State benefits for occupational disability, long-term care and retirement are considerably lower than most people think. The statutory pension is usually well below your last salary, and the care allowance (Pflegegeld) is limited by levels (in 2026 a maximum of €2,214.80 per month):
A monthly pension if you can no longer work in your profession for health reasons — the most important protection of your earning capacity.
An additional benefit if you need care, supplementing state benefits — important because the state care allowance is limited by levels.
Private or state-subsidised (prämienbegünstigte) pension provision to supplement the state pension — with a lump-sum payment or a lifelong annuity.
Your family and your loan are protected if something happens to you.
Arrange your own funeral and relieve your relatives financially.
Private provision makes sense for practically everyone, and is especially important at certain stages of life:
The earlier, the lower the premium and the greater the compound interest effect — many people start with their first income.
The statutory pension is usually lower than your last net income — private provision helps to close this gap.
Occupational disability insurance protects against loss of income during your working life, while long-term care insurance covers the cost of care — regardless of age.
Yes, many clients combine occupational disability insurance, long-term care and pension provision into an individual package.
For some products, yes — we will gladly show you which tax advantages apply in your situation.
Content reviewed by: Agnieszka Valenta, insurance broker · As of October 2026
Let’s develop your provision strategy together — tailored to your situation, independent and transparent.
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