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How to insure yourself?
The choice is in the area of health insurance, as well as in old-age provision and unemployment insurance. An overview:
Self-employed have to take out health insurance. But you have the choice: you can insure yourself either privately or voluntarily. What is more favorable for you depends, among other things, on age, gender and family planning.
1. Statutory health insurance
Anyone who has previously been in the statutory health and long-term care insurance can stay there. He pays a fixed percentage of his income, but has a number of benefits, such as family or sickness benefits for longer illness.
In addition, a reduced contribution payment is possible if you earn below certain income limits or are only self-employed as a self-employed person.
Fine are workers who only work independently as a side job: As long as they do not earn more than in their main job, their income has no impact on the insurance contributions.
2. Private health insurance
You should think twice about choosing a private health insurance (PKV). Basically, a later change to the statutory health insurance (SHI) is not possible.
As a young entrepreneur, you pay significantly lower contributions in the private sector with a better hedge, but a large family can later cause considerable additional costs. You should also consider the reimbursement of medical expenses in the form of health care.
Whoever has not been previously insured under statutory health insurance or has never been legally insured, has to insure himself privately.
3. care insurance
A supplementary component of the social security is the long-term care insurance. If need be, people in need of care are financially supported in home or in-patient care. The long-term care insurance is obligatory, whether you are a voluntary member in the statutory health insurance or have privately insured.
If you look at your situation today, the topic of self-care is still very far away for most people. Especially self-employed have so much to consider - that Company lead successfully, reduce economic dependency, clarify work-life balance, own investment and pension plans ....
What happens in nursing care?
However, if you have experienced in your family or circle of acquaintances, what happens when someone is permanently dependent on help, you certainly know the financial consequences of a need for care. Then you know the problem of being an adult child, just in the middle of the construction, in addition to the whole psychological burden also have to jump in financially when parents need care.
Since their own plans can be involuntarily thrown over the heap. To ensure that your children do not do this, a timely protection is necessary.
Statutory long-term care insurance
Statutory long-term care insurance is mandatory for both statutory and private health insurers. Money from the long-term care insurance is paid to an insured person if he has been classified into one of the three care classes.
The classification is made by the medical service and depends on how much help someone needs in performing daily life. It takes into account support for domestic matters and support for basic care. Under basic care is understood to help with dressing and undressing, eating and body care.
By the way, the benefits of long-term care insurance have only been increased once since its introduction in 1995. So you can not speak of inflation.
But be careful: the payments of the long-term care insurance are usually not enough if one becomes a nursing accident by illness or accident. Whoever has to protect a family should conclude a private supplementary care insurance.
A further possibility to provide for the care case is the building up of assets. Your company is, for example, a value. No matter how your private assets are invested, whether it is pension insurance, capital life insurance or equity:
If you become a carer, you must be able to liquidate and use your assets. Perhaps it is so big that you do not have to use it, but the income is enough to fill the gap between life support in the care case and the benefits of your statutory pension and statutory long-term care insurance.
A fortune can be consumed
If so: Congratulations, this topic is done for you. Keep in mind, however, that even a high liquid assets could be consumed by special circumstances, such as house renovations, high self-sustaining medical expenses, etc.
In most cases, a sufficient fortune, especially in a young age, does not yet exist. Securing the workforce for the company, perhaps a separate property and the founding of a family, have often tied up their assets temporarily. You can then insure the risk of your own care only by means of insurance, just as for the disability.
4. pension Insurance
As a self-employed person, you are usually not required to be insured, ie you must take care of your old age provision. However, there are some exceptions for some professional groups.
All others can voluntarily insure themselves and choose their contributions freely. In the first five years after the foundation, they have the opportunity to acquire a claim for Riester funding through compulsory insurance. It can, of course, make sense voluntarily to deposit into the legal security systems, but whether that is really worthwhile, must be examined in each individual case.
5. unemployment insurance
The risk of unemployment should be considered in your fee determination. Recently, however, as a business start-up you have the opportunity to voluntarily insure yourself against unemployment if you have previously paid into the state unemployment insurance - in the form of a fixed monthly contribution.
Condition: They must also have been in the state unemployment insurance before the foundation. Private unemployment insurance, on the other hand, is generally not worthwhile. This possibility is therefore not applicable for academics who were not covered by social insurance during their studies.
6. The start-up grant
Do you remember the I-AG? It soon fell into disrepute, that the federal government decided to abolish this foundation. Meanwhile, there are new funding instruments instead of I-AG and bridging money.
The start-up grant is an amount equal to your most recently received unemployment benefit I for a living. He is granted for nine months. In addition, during this time, you will receive a supplement of 300 Euro / month for social security. If the Employment Agency renews your application once more after nine months, only the supplement of 300 Euro / month for the social security will be paid for a further six months, but no longer the amount corresponding to the last unemployment benefit I.
Who gets unemployment benefit II (Hartz IV) can also be funded - with the entrance fee. The purpose of the entry fee is not, however, to promote self-employment. It is intended to help recipients of ALG II take the step out of long-term unemployment into self-employment. The entry fee is paid in addition to the unemployment benefit II. Crucial for a successful application is to personally convince the case manager that the entry fee will help us to permanently terminate unemployment.
8. Supplementary unemployment benefit II
Those who are self-employed but do not earn enough to live can receive supplementary unemployment benefit II equal to the normal ALG II rate. How much is "not enough", can only roughly say: The exact value depends, among other things, on the actual rental and heating costs and the personal allowances. As a guideline is: The income limit, below which self-employed can get supplementary Alg II, is for example for single people in the West at about 950 Euro, for a couple with a child in the East at about 1.600 Euro.
However, applicants may have very little assets in the bank. All income will also be counted towards the unemployment benefit. Even if the life partner earns too much, you usually get nothing. And only those who prove that this money possesses the chance to somehow reap reasonably reasonable self-employment money, are largely exempt from the obligations of normal ALG II recipients.
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