Breach of the duty of disclosure
The insurer claims that you concealed pre-existing conditions. Often the questions were unclear or have been interpreted incorrectly.
Law firm for occupational disability insurance law
BU application rejected? Benefits reduced? Don’t give up.
Many insurers’ decisions can be successfully challenged. We review your documents free of charge and tell you honestly what your chances are.
- Free initial review
- Specialised in occupational disability insurance
- Confidential, data stays in the EU
Soforthilfe check
An initial assessment in 2 minutes
Four short questions, then we review your case free of charge and without obligation.
Request your free initial review
The more documents you upload, the more precise our assessment can be. You can also send us further documents later.
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We will usually get back to you within one working day.
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Deadline calculator
How much time do you have left?
Claims against your occupational disability insurer can become time-barred. Enter the date of the letter to get an initial guide.
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Guide value without guarantee. Your letter and the circumstances of the individual case are decisive; this does not replace legal advice.
Why insurers reject claims
Common reasons, and why they are not the final word
“Not disabled enough”
Disputes about the degree of occupational disability, medical reports or the description of the work you actually do.
Referral to another occupation
The insurer refers you to a different occupation (Verweisung). Whether this is permitted under your policy terms can be reviewed.
Reassessment and time limits
Benefits are stopped or limited in time. The insurer must provide clear, comprehensible evidence of the change.
How it works
Clarity in three steps
Send your enquiry
Fill in the check and, if possible, upload your documents. It only takes a few minutes.
Free initial review
We review your documents and tell you honestly whether, and to what extent, we see prospects of success.
Decide together
You decide whether we represent you. We clarify the costs and your legal expenses cover in advance.
Your lawyer
Specialised in occupational disability insurance law
Lawyer (Rechtsanwalt) Jonas Kainzinger
Owner, Rechtsanwaltskanzlei von SpitzbergenJonas Kainzinger, Rechtsanwalt (German lawyer), represents policyholders against their occupational disability insurers. From many years of practice he knows the insurers’ arguments and approach, and he knows what matters in the application, the insurer’s assessment of the claim and an objection. He reviews your case personally and tells you openly what your prospects are.
4.9 out of 5 from 218 Google reviews of the law firm (as of October 2026)Costs and transparency
The initial review is free of charge
We review your documents and your prospects of success at no cost and without obligation. You know in advance what you may have to expect.
- With legal expenses insurance: We obtain confirmation of cover for you.
- Without legal expenses insurance: We discuss openly with you which costs representation may involve before you make a decision.
- No hidden costs: A lawyer–client relationship is only established if you want it and we confirm it.
Frequently asked questions
Answers to the most important questions
How much does the initial review cost?
The initial review of your documents and your prospects of success is free of charge and without obligation. We tell you in advance whether representation would involve any costs and, if so, which. If you have legal expenses insurance, we clarify the cover for you.
My BU insurer has rejected my application. Do I have to accept that?
No. A rejection is not the final word. Many decisions are based on medical reports, interpretations of health questions or policy terms that can be reviewed. Whether your case has a prospect of success depends on the details. That is what we review.
How quickly do I need to act?
There is no longer a fixed deadline for bringing a claim to court after a rejection. However, your claim becomes time-barred after three years, usually counted from receipt of the rejection. Our deadline calculator gives you a guide. Please get in touch as early as possible all the same, especially before you give the insurer any further information. Every month without your pension costs you money.
The insurer accuses me of breaching my pre-contractual duty of disclosure. What now?
Withdrawal from the contract (Rücktritt) and rescission (Anfechtung) on the grounds of allegedly incorrect health information are a frequent point of dispute. What matters is how the questions were worded, what you stated and what the insurer should have asked. Do not sign anything or answer any further questions without taking advice first.
Which documents do I need for the initial review?
Helpful documents are the letter rejecting or reducing your benefits, the insurance policy with its terms and conditions, the application and medical reports. If something is missing, please get in touch anyway. We will tell you what else we need. You can upload everything easily and in encrypted form via the form.
Are my data and documents safe?
Your documents are transmitted in encrypted form and stored in non-public storage in the EU. Only we have access. We treat your information confidentially and are bound by lawyer–client confidentiality.
Does the check replace legal advice?
No. The check gives you an initial orientation based on the information you provide. A binding assessment is only possible once a lawyer has reviewed your documents. A lawyer–client relationship (Mandat) is only established once we have expressly confirmed it.
Prefer to talk in person?
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Leave your number. We will get in touch at a time that suits you, free of charge and without obligation.
Or choose an appointment yourself for an initial consultation at the law firm in Erding.
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