Dharkness

One eye: 50 percent. One arm: 70 percent. Index finger: ten, other fingers: five percent. These are the guideline values of the dismemberment scale used in private accident insurance to determine the degree of disability. It significantly determines the level of disability benefits. However, the insurance cover is not always sufficient in the event of a serious incident, and accident insurance policies are often even superfluous.
"You can recognize a good contract by the fact that the customer does not only receive a high sum in the case of 100 percent disability", says susanne meunier from the foundation warentest. "Even with lower degrees of disability, the benefits must be right". In its most recent test on this topic in december 2011, finanztest tested several hundred tariff offers and only awarded the quality rating "very good" three times.
All tariffs in the test had to provide at least 500,000 euros in the event of full disability. "Of the 28 million or so policies in circulation, most are probably not even close to being as good as our test winners", says meunier. Unfortunately, this could not be easily seen in the conditions and the small print.

Benefits from one percent

If you have an offer or would like to review your existing policies (current policies can be cancelled with three months' notice at the end of the insurance year), you should ask for the detailed terms and conditions of the policy. "An info sheet or brochure is not enough", says meunier.
What an accident insurance policy is worth depends on several aspects, according to finanztest. A police should be valid worldwide and around the clock. Pure recreational accident insurance is not so good, however, and policies that only cover certain situations – e.G., sports – are no good at all. B. When driving a car – apply.
The tariff should already provide benefits from one percent disability, not just from 20 or 50 percent. Finanztest also recommends tariffs with a progression, because the insured person receives a multiple of the insured sum in the event of severe disability. You should also make sure that the death benefit – which often depends on the sum insured – is around 10,000 euros. Finally, the conditions should not be worse than the model conditions (AUB 2010) of the german insurance association (GDV). A good contract offers the following plus points over the standard terms: improved dismemberment index, later recognition of pre-existing conditions, extended deadlines for occurrence, recognition of disability, and fewer exclusions of benefits.
The guideline values of the member tax are not obligatory, says katrin ruter de escobar of the GDV. "This table is a non-binding suggestion for the contract design." Some insurers offer tariffs with different member rates. They then recognize up to 100 percent for their loss instead of the usual 55 percent – and the insured gets more money.
The final amount of the lump-sum benefit depends on the doctor's opinion. "As a rule, there is a down payment from the insurer", says ruter de escobar "so that capital is already there, for example, if you have to rebuild the apartment." The final sum will be paid out if, at the end of the recovery process, it has been determined which impairment and which degree of disability will remain.

The crime scene outfit is only available in a uniform size. Hair cap and shoe covers fit perfectly, the female protective suit, on the other hand, still has a lot of air around the hooves. "When getting dressed, make sure that the arms do not touch the floor!", warns dr. Werner hornung. Nothing escapes his eyes. Whether it’s dust on the lockers, splashes on the walls, or insect flukes in the flytrap, hornung has developed a merciless eye for detail in his twelve years as head of consumer protection in habfurt. But his department is facing new challenges in light of the corona crisis. Controls must nevertheless be carried out.

Normally hornung would show up completely uninformed. With a short phone call, however, he announces that he will be accompanied this time. Beforehand, the official veterinarian had asked district administrator wilhelm schneider whether food inspections could continue to take place in view of the risk of infection. The answer was a resounding yes. That was a week ago. Shortly afterwards, the bavarian state ministry for the environment and consumer protection tightened up the regulations once again.

Food inspection: not all establishments are the same

"In the case of large-scale operations, inspections are always carried out under the four-eyes principle", hornung explains as he stows his suitcase and protective gear in the car. "At the small chip shop around the corner, on the other hand, two eyes are enough." The conditions of admission have also become more stringent for the target of today’s food inspection: visitors to the habfurt "maintal" confectionery factory a coarse disinfectant dispenser awaits him in the entrance area. Then comes the corona check: guests must affirm that they have had no contact with infected persons or have recently been in risk areas. "Actually, we don’t let anyone in externally anymore", explains food technologist christan hastedt on admission control. Hornung is of course an exception.

The rate of voluntarily engaged people in bavaria is 36 percent – so every third person is engaged as a citizen, as state secretary melanie huml was pleased to note when she introduced three people from the bamberger district who "have done and are still doing exemplary work for our society and the people in our home region" awards presented. In addition to the award of the bavarian honorary medal for services to the community, huml also presented two federal crosses of merit.

The first of the three awards was presented to sonja papemeier. For more than 20 years, she has been caring for her son marco, who is severely mentally and physically handicapped, can neither see nor speak, and can hardly move. His mother’s dedication and care are the only things that enable marco to remain in hallstadt, in his familiar surroundings, huml praised. This is only possible for sonja papemeier by sacrificing her own interests. For her selfless and exemplary efforts, she has now been awarded the order of merit of the federal republic of germany by president gauck.

Franz bauer was also awarded the federal cross of merit on ribbon for his enormous parental care. Supported by his wife gisela, he devotes all his energy and dedication to the well-being of his physically and mentally handicapped son. During the day, frank attends the lebenshilfe workshop; during the rest of the time and on days when the workshop is not open, his parents provide care and support at home, enabling their son to remain in the home community, as melanie huml emphasized in her laudation. Furthermore, franz bauer is committed to ensuring that his son is integrated as best he can into local life in hallstadt.

When the franconian praises, it is usually followed by a well-meant “bassd scho” out of this. But if you want to get something done, sometimes you have to be a little more energetic: “let”s get it done!” for twenty years, this has been the motto and name of the second-hand store in forchheim. This anniversary was celebrated on thursday morning.

Cabaret artist mac harder led through the celebration with cheerful explanations of the french language and the nature of the french people. What makes the second-hand store in franconia so unique was explained by the numerous congratulators, including district administrator hermann ulm (CSU) and forchheim mayor uwe kirschstein (SPD).

At the beginning, managing director gerhard pfister reviewed the last 20 years again. The project had already started in 1993 with an idea of the district working group. A furniture store run by caritas was set up, but soon reached its limits.

Outgoing hospital managing director thilo penzhorn described the late artist, who was born in furth, worked as an engineer in the medical industry, and only started working in "atelier 1" at the end of the 1990s had begun intensive painting with clemens wuttke, as an artist who had traveled far and wide.
Manfred hilpert, who has been an avid collector of watercolors for decades and has been able to devote himself actively to this genre in his retirement, does not allow himself to be tied down to specific motifs. No matter whether he is painting familiar french villages with a lot of melancholy, still lifes with expressively luminous flowers and exotic fruit compositions, or the southern french provence style on vacation, the camera for a motif is always there. A hilpert work of art is created at home. "But I also see a photo in the ADAC magazine that I spontaneously choose as the basis for one of my next pictures, and I enjoy it every time I sit together with a german-speaking teacher for a painting circle during my stays in the south of france. For me, painting has now evolved from a hobby to a passion."
Since 2004 the member of the erlanger kunstverein has been painting in "atelier 20" with ekkehardt hofmann in leutershausen and also attended seminars with bernhard vogel in salzburg and werner maier in munich.

With the first away win since mid september, nurnberg got out of the danger zone for the time being. In front of 30,660 spectators in the sold-out arena, tobias werner met raphael schafer (36) with the friendly support of "club" goalkeeper.) for the augsburger, who as table-16. We are still six points away from the shore of salvation. The swabians celebrated their last soccer victory against the FCN more than 36 years ago.

"Nurnberg made it damn hard for us. We weren’t forceful enough, so we’re left empty-handed. But there are still plenty of games to go," said augsburg’s werner, referring to the situation at the bottom of the table. The franconians, now 10 points ahead of the FCA, were highly satisfied with the result. "After the 1:1 we were about to give the game away, but in the second half we fought our way back," said coach michael wiesinger and spoke of a deserved victory.

In what was billed as the final match of the relegation battle, the recently highly praised augsburg team lacked determination in attack. Markus weinzierl’s team was unable to compensate for the absence of suspended midfielder daniel baier with andreas ottl nearly as well as the club was able to compensate for the absence of timo gebhart. The franks initially showed the better play, made a lot of steam via the eagles kiyotake and esswein and were able to rely on a stable cover. FCA was caught off guard in the early stages of the game by the aggressive franconians, who immediately had a number of good chances. After a quickly executed free kick by kiyotake, the free-standing markus feulner shot just past the FCA home (3.), a little later tomas pekhart (6.) with the head a sharp input of the lively esswein.