Apply only twice ALG
Unemployment insurance sounds great: Every time, if one is for a long time without orders, one goes to the Arbeitsagentur, is surely unemployed, gets money .. hurra! But stop, it's not that easy! As a self-employed person, you can apply for unemployment benefits only twice.
After that, you only have a new claim to unemployment benefit I if you paid at least 360 days in the two years before the unemployment report - whether as a self-employed person or an employee does not matter!
Business etc. completely
Finally, in order to apply the unemployment allowance I, you must give up your self-employment, for example, by signing out your trade.
That would be more than awkward, especially because of health insurance.
It is worth only for highly qualified people
While the statutory unemployment insurance has been extremely favorable in recent years with monthly contributions to 20 Euro, this has changed with the increase in 2011 and the increase planned for 2010.
Although statutory unemployment insurance is probably still more useful than private insurance offers. However, compulsory compulsory insurance is worthwhile, which will continue for five years, especially for those who are classified by the employment agency into a higher qualification level.
Residual claim on unemployment benefit
Even if you have only planned a temporary self-employment and have already claimed, but have not yet exhausted, an existing entitlement to unemployment benefits, voluntary unemployment insurance does not make sense. You keep your residual claim for unemployment benefit from the old job for four years - from the first application for unemployment benefit. In this case, you can save money.
There is no reason to postpone the application if you are entitled to a significantly higher unemployment benefit from a recently terminated employment contract than you would get as a self-employed person: in such a case, there is factual protection against the higher claim.
Problem qualification groups
The unemployment insurance can also be problematic, especially for the higher qualification groups. The decisive factor is not which qualification group belongs to the career path, but to which qualification group one appoints the employment agency to mediate. It may well be that the employment agency places a university graduate in the group without training, if it can not provide otherwise.
And worse: career coach Svenja Hofert reports in her career blog by Ms. Müller, Executive, who, unemployed after parental leave, was apparently classified indiscriminately in the lowest qualification group and therefore received only a correspondingly low unemployment benefit. Apparently, the employment agency had neither reviewed the credentials of Mrs. Müller nor queried the qualifications otherwise. For Hofert this suggests the assumption "that often just so and in the blue is classified", because she has researched more such cases, whose "victims" are mostly women.
Conclusion: first calculate
Self-employed people who want to conclude voluntary unemployment insurance, because the conditions appear to be quite good at first glance, should once again calculate whether this really makes sense.
And keep in mind: Unemployment benefits are only available if you have terminated your self-employment or have deregistered the business - and not with every small and large order backlog.
More knowledge - Podcast, PDF download, eCourse or personal advice
Offline download: Download this text as PDF - Read usage rights, Because we do not automatically submit the title of this text for privacy reasons: When buying in "interests" the title register if support is needed. After buying text exclusively Download at this URL (please save).
Listen to Podcast & Download MP3: You can listen to this text for free, as member even without annoying popup, or download the MP3 for a fee - Read usage rights, After the purchase page refresh, then you will find the download link here. Because we do not automatically submit the title of this podcast for privacy reasons: When buying in "interests" the title register if support is needed.
Your eCourse on Demand: Choose your personal eCourse on this or another desired topic, As a PDF download. Up to 30 lessons with each 4 learning task + final lesson. Please enter the title under "interests". Alternatively, we are happy to put together your course for you or offer you a personal regular eMailCourse including supervision and certificate - all further information!
Consultant packages: You want to increase your reach or address applicants as an employer? For these and other topics we offer special Consultant packages (overview) - For example, a personal phone call (price is per hour).