The problem of self-employed
Self employed, who realize that it is not so with the orders, usually have a problem: They are not automatically insured against unemployment.
As a result, you have not been entitled to unemployment benefits after long years of self-employment, even if you have been working as a long-term employee in statutory unemployment insurance. Some people may feel as if they were struck by the cliff and landed in Hartz IV!
That this is not so great is also noticed by the federal government. Since 2007, the self-employed therefore have the possibility to voluntarily insure themselves. Until now, entrepreneurs were allowed to enter the statutory unemployment insurance only in the first month of their independence.
This has changed now. However, you need to meet some conditions if you want to continue to insure yourself! For example, you must have been previously compulsorily insured. So no insurance for those who were never workers. And also not for those who have been independent for some time. Pity!
Conditions for long-term self-employment
- In the two years prior to your start-up, you must have paid at least 360 days of compulsory contributions as an employee to the statutory unemployment insurance scheme or have previously received unemployment benefits or a different remuneration rate (transition, maintenance or insolvency allowance). How long you've got this money is no matter!
- You must take a self-employed activity for which you work at least 15 hours a week. You have to prove this at the employment agency, for example through a commercial application or by your tax office at the tax office.
- At the latest three months after becoming self-employed at the Employment Agency, they must submit the "Application for voluntary continuance insurance". As a rule, the month is usually 30 days.
Unemployment insurance so far
The statutory unemployment insurance was for self-employed with about 20 Euro monthly contribution so far incredibly cheap - at full power! Because self-employed pay a fixed amount, which is calculated independently of the real income. However: From 2011 and even more so from 2012 it will be much more expensive!
Until now, self-employed persons pay only a fixed contribution of about 20 Euro for the unemployment insurance scheme and were fully entitled to all benefits of statutory unemployment insurance.
However, it has to save money because there is not enough income to meet high spending. Who knows, perhaps the much higher contributions for the self-employed are now pulling the cart out of the mud.
The contributions double!
From 2011 the contributions are simply doubled: In West Germany self-employed pay for 2011 38,33 Euro, in East Germany 32,60 Euro.
However, the "best" is still coming: As of 2012, the contributions are doubled again: 2012 increases the contributions to 76,65 Euro (West) and 65,20 (East) Euro per month.
There is an exception: If you are only self-employed, you only pay 2012 Euro or 38,33 Euro in the first year of foundation.
You must pay this contribution alone as all other insurance contributions (apart from the artist's social insurance). You can also make it as an annual one-time payment.
Voluntary insurance becomes mandatory!
The problem with the voluntary employment insurance: If your application is successful, a "compulsory insurance on application" arises. You can not cancel this until you retire or if the insurance has existed for five years - in which case you can give notice of termination three months before the end of the month.
Whoever wants to terminate the insurance obligation beforehand, a trick helps: The insurance ends automatically if you have not paid the contributions for three months. However, you are no longer entitled to unemployment benefit.
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