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**Disclaimer:** *I am not a financial advisor, and this is not financial advice. This information is for educational purposes only. Please consult with a qualified financial advisor before making any investment decisions.*
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Und schließlich spielen auch **äußere Faktoren** eine Rolle. Zum Beispiel die Jahreszeit. Im Winter sind die Krankenstände oft höher als im Sommer, weil mehr Erkältungen und Grippe auftreten. Auch wirtschaftliche Krisen können sich auf den Krankenstand auswirken, da die Mitarbeiter dann oft mehr Angst um ihren Arbeitsplatz haben und sich mehr Stress machen.
