A case at the youth welfare office in Dortmund is causing a stir: allegations of bullying against superiors are raising questions about the security of our professional lives. What can be done when collegiality suddenly turns into pressure? Many people in North Rhine-Westphalia are wondering how they can protect themselves against psychological stress and occupational risks. Because bullying is no longer an isolated incident – ​​and the consequences can be devastating.

Problem: Employees in large government agencies or social service organizations like those in Dortmund are under considerable pressure. Studies show that the number of mental health-related illnesses in North Rhine-Westphalia has been rising for years. Few people realize that even mental health-related disability is insurable. Nevertheless, many are inadequately insured or not insured at all. Dortmund is among the regions with elevated disability risks, particularly in the social sector.

Solution: This is where Risk-BOT comes in. Our digital insurance AI helps you review your disability insurance policy for free. No brokers, no sales pressure. You get honest advice on what really matters. Stiftung Warentest recommends: Look for a guaranteed insurability option, comprehensive mental health benefits, and short waiting periods. Risk-BOT will review your policy anonymously upon request and show you how good your coverage really is.

Regional tips: In Dortmund and North Rhine-Westphalia, risk surcharges often apply for social work, nursing, or government jobs. Many insurers require health-related questions about pre-existing mental health conditions. Our tip: Have your policy offer reviewed by Risk-BOT against independent recommendations. Especially important: Secure disability insurance early, before health problems arise. Those who wait often pay more or lose coverage altogether.

Membership benefits: As a Risk-BOT member, you benefit from free checklists, an anonymous disability insurance check, a digital insurance folder, and updates on Stiftung Warentest results. You stay informed without being subjected to sales pitches. And: In the event of a claim, we provide digital support – including assistance with appeals and application forms.

your disability insurance in Dortmund for free now – using the criteria of Stiftung Warentest and the smart assistance of Risk-BOT. Become a member and get independent advice before it's too late.