The conditions at a glance
If your work is suspended due to lack of order and you want to apply for unemployment benefits, there are four different qualification groups, where the employment agency is based on a lumped net salary. The unemployment allowance is then calculated according to this net salary. And this is how it looks:
- for a university or polytechnic degree 3.066,00 Euro (West) or 2.688,00 Euro (East)
- (2.240,00 Euro (West) or 2.240,00 Euro (East) in the case of a technical qualification, a master craftsman or a comparable degree.
- with an 1.055,00 Euro (West) or 1.792,00 Euro (East)
- if no training is required 1.533,00 Euro (West) or 1.344,00 Euro (East)
Payroll tax class
From these income you first deduct a lump sum of 21 percent for the social insurance contributions as well as the wage tax of the respective tax class and the solidarity surcharge. Even if the tax class does not matter to you as a self-employed person - it is used for the calculation of the unemployment allowance I.
Therefore check your payroll tax card, which is usually sent to you, and make a correction. Whoever does not have a payroll tax card / class is sorted into a notional wage tax class according to his personal circumstances at the beginning of the year.
If you are under 55
From this lump-sum net salary you get 60 percent if you have children 67 percent. For two months you have paid contributions, you receive two months of unemployment benefit I.
If you are under 55, you will receive unemployment benefit I but for a maximum of one year, if you are older, for a maximum of 18 months (deadline is the age on the day of application).
For example, if you have a university degree but no children, you will receive unemployment benefit a month in West Germany in tax code I 1.124,00 Euro.
Conversely, you will be taxed in East Germany in tax class III 720,00 Euro if you have a child.
The Crux with the qualification groups
If the employment agency feels it is reasonable to put you in a step below your previous qualification (which gives you less unemployment benefit I), you can appeal.
However, the price-performance ratio makes the unemployment insurance for self-employed persons quite worthwhile, but one has to consider the changed conditions from 2011.
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