HUMANITIES THESIS

Social Insurance in Germany

Student: Wedekind, Katharina

4th Semester

07.05.2022

University Logo

Index

about me

Definition

Branches

Who has to pay?

history

benefits and Co.

Thanks

about me

Katharina Wedekind

4th semester

20 years

financial insurance management

social security assists in emergency situations

Definition

emergency situations

old age

need for nursing care

work accident

illness

unemployment

rules are set by the state

first idea

William the first in a ground breacking letter

History

"..those who are disabled from work bei age and invalidity have a well-grounded claim to care from the state."

1881

employee insurance scheme

Otto von Bismarck : driving force behind this way

health insurance

History

accident insurance

1883

1884

1889

insure themselves by law against the consequences of invalidity und old age

...

government continued to expand the social security

social insurance

for salaried employees

History

unemployment

insurance

1912

1927

1994

long-term care insurance

Branches

offers protection and assistance in the event of workplace accidents or job-related illnesses

work accident insurance

also covers school-age childeren and students

- payments for medical treatment

- benefits and services to aid your reintegration into the workforce

- compensation for you and your dependents

almost everyone ist required to contribute

14.6% of your gross salary

split equally between you and your employer

health insurance

automatically qualifies you for sickness benefits and maternity benefity

- most medical costs

- hospital treatments

- dental care

- medicines

almost everyone ist required to contribute

anyone who has health insurance is automatically covered

nursing care insurance

3.05% of your gross income

split equally between you and your employer

-covers you in the event of your needing care due tomold age, accicent or illness

almost everyone ist required to contribute

2.4% of your gross salary

shared by you and your employer

unemployment insurance

voluntary unemployment contribution, if you are:

self-employed for at least 15 hours a week
employed outside Germany in a non-EU country
pm a course of occupational further training
on parental leave beyond the child´s 3rd birthday

-are used to provide unemployment benefits to anyone who is out of work

almost everyone ist required to contribute

18.7% of your gross income

split equally between you and your employer

pension insurance

if you are self-employed, you can choose whether to opt into the pension insurance scheme or start a private pension plan

-your contributions build up to provide you with a basic provision for your retirement

you as an employee

Who has to pay?

your employer will register you

than you will pay a percentage of your gross income
in most cases your employer has to contribute too

you split the percentage

in the work accident insurance only your employer has to pay a percentage for you

you as a self-employeded worker

most self-employed workers are not compulsorily insured with the insurance

they can change about private insurance or state insurance

artists, journalists, publishing professionals are members of state insurance and must go through the Artists´Social Welfare Fund

some self-employed workers have to join the state pension system

part-time and low-income workers

if you work less than 50 days or 2 months a year

earn less than EUR 450 per month

not pay German social security but do have to register for health insurance

benefits and allowances

are available for anyone on a lower income to help them cover basic subsistence costs

housing benefit

child benefits

maternity benefits

...

the German government provides housing benefits to those who have lower incomes

housing benefit

can either be rent support, for tenants who are renting, or mortgage and home upkeep support, for those who own a house

to support parents with the costs of raising a child

child benefits

providing the kids with food, clothing, education

for six weeks before and at least 8 weeks after childbirth

maternity benefits

if you aren´t covered by a statutory insurance scheme, you can also claim benefit from the Federak Insurance Office

to support them during the first months of their child´s life

parental allowance

the benefit offset loss of earnings

if you are unable to work due to illness, you will be covered by for up to 78 weeks

sickness benefit

anyone who contributes to a statutory health insurance scheme

if your child falls ill, you are legally entitled to take time off work to take care of them

child sickness benefit

some employers will continu paying, if not, your public health insurance provider will step in

there are many tax-fress allowances

tax credits

like including costs for childcare or education and statutory insurance contributions

Any questions?

Thanks for

your attention

Social Security History: https://www.ssa.gov/history/ottob.html

Social Insurance: https://handbookgermany.de/en/work/social-insurance.html

Social security in Germany: https://www.iamexpat.de/expat-info/social-security

Social Insurance: https://www.arbeitsagentur.de/en/social-insurance

Geschichte des Sozialversicherungssystems: https://www.was-war-wann.de/geschichte/sozialversicherung.html#:~:text=Die%20Regierung%20baute%20das%20Sozialsystem%20in%20Deutschland%20in,Angestellte.%20Seit%20dem%20Jahr%201927%20existiert%20die%20Arbeitslosenversicherung.

Kindergeld: Anspruch, Höhe, Dauer: https://www.arbeitsagentur.de/familie-und-kinder/kindergeld-anspruch-hoehe-dauer

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