Disability insurance for down syndrome sufferer

Not everyone is fortunate to be born with good health and large numbers of people suffer from a disability all their lives.  Babies are often born with downs syndrome and so will be very slow learning to walk, talk and need help to feed themselves for much longer than other children. Children at four years old who suffer from downs syndrome might only be able to do things that a normal two year old can do.  As they grow older they need much more care and attention and for this reason many parents will take out a disability insurance (Berufsunfähigkeitsversicherung) on their child’s behalf to help with the extra costs that will be involved later on in their lives.  Downs syndrome can often be detected while the baby is in the womb when the pregnant mother goes for an ultra sound test.

Down-syndrom

If downs syndrome is detected, then the parents will be given the chance to have the baby aborted.  However, for a lot of parents, they prefer for the pregnancy to continue in the hope that things won’t be too bad.  For anyone who suffers from a disability, a disability pension (Berufsunfähigkeitsrente) is allowed as well as extra care from social workers and home helps to enable the sufferer to lead as normal live as possible.

Although someone suffering from downs syndrome is very slow in learning, they are often very loveable people and once they have mastered a new skill, will feel very confident and proud of themselves.  Downs syndrome children can attend a normal school with other children but often need special care assistance to help.  By going to a normal school instead of a special school, these children will not feel any different from any other child.  Many adults who have a disability are still able to do some form of work, and companies have made it easy for people in wheelchairs by providing ramps and disabled facilities.  Shops and Banks also have provided access for disabled people and immobility scooters have made it possible for people to get out more without the need for a wheelchair. Disability insurance makes a big difference and enables people to have work done on their houses to make things easier.  Maybe someone will have a stair lift fitted which is a big help for a disabled person who has difficulty climbing the stairs.  Another improvement might be having a bigger bathroom with access for a wheelchair and kitchen units installed that are especially adapted for disabled people.  Anyone who has had an accident resulting in a disability will be able to claim a disability pension which is a big help towards the costs of their everyday needs. Disabled people years ago, were very often isolated which led to depression in some cases.  Nowadays with all the help that is available they are more able to lead a normal live. Companies can no longer discriminate against someone with a disability and many jobs are done by disabled people.

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