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What are the plans for pension insurance?
Already in February I had reported (and recorded) a live event, on the minister of the Leyen announced her plans, a compulsory pension insurance for all: Self-employed. This is, depending on the age 250 Euro and more a month.
Overall, there are contradictory details about the exact design of the plans: For example, ZEIT ONLINE citing the Berlin newspaper as saying that the regulation should apply to all self-employed persons under 30, whereas for the self-employed 30 and 50 years weakened rules are planned. It is not affected by 50.
Exceptions to the insurance obligation
Also excluded are the self-employed, who earn less than 400 Euro per month - as well as doctors, lawyers, architects who are insured in occupational benefit schemes and members of the artists' social fund.
deskmag writes, however, of at least 350 Euro, while the elderly are to pay more. It is possible that the exact design is not yet clear and that the minister brought McKinsey consultants on board for 1 million euros.
7 facts on pension insurance: study for 1 million euros and diet increase
They should, so she writes Süddeutsche, a so-called feasibility study. The consultants are to examine how the new precautionary requirement can be implemented technically and with as little bureaucratic and financial as possible. And by the end of June.
Considering the fact that Leyens is the main argument for the introduction of pension insurance for the self-employed is that they should not be left to the general public, this does not make a good impression either planned diet increase of the Cabinet. And otherwise, her argument is a bit, we say, contradictory. 7 facts.
1. Entrepreneurs: Patronized as Minors
Of Leyen's main argument for the pension insurance compulsion is that self-employed usually can not take care of themselves - and therefore apparently as minor children have to be patronized.
In the economic week The Minister of Labor revealed how little she trusts the innovation providers and job procurers of tomorrow - that says a lot about Germany as a business location!
"They will ask: Why are you forcing me? At some point I will make the big money, then it will be enough. Life experience shows, however, that this poker goes wrong too often. Free riders at the expense of the public must not exist. "
2. The costs of patronage are borne by the "children" themselves
But the minors should then bear the costs themselves - because the clients to participate in these costs, as is the case with the artists' social insurance, the Minister strictly rejects, as was revealed at a live event in February:
"The self-employed should be treated exactly like everyone else. The idea of involving employers is, in principle, right. Just typical of the self-employed is precisely that he has no employer. "
3. Avoid social insurance fraud instead of promoting it
But that's exactly what the minister is promoting the trend of many Companyto outsource their employees as self-employed workers - because freelancers do not pay social security contributions and are thus much cheaper. Social security law is not completely correct, but completely usual.
In many newspapers, for example, flat-packers tend to work on the same terms as regular editors, but often for less. This has not only economic but also social dimensions: Instead of acting like self-conscious, innovation-friendly entrepreneurs, the flat-rate workers are then treated as second-class employees.
4. Insured without client, twice lubricated!
The highlight, however, is: although self-employed, they are usually denied admission to the Social Social Fund. Reason: They are self-employed workers and as such are not only obligated to cover their own health insurance contributions themselves, but since 1999 also for full pension insurance (if they have no employees).
The Trade union Verdi For example, in which 30.000 solo self-employed are organized, has argued for years for a uniform compulsory insurance of all workers, but stresses that this could apply to the self-employed only if the contracting would be involved.
5. Impoverished and condemned to illegality?
The fact that self-employed persons who are subject to pension insurance are not really well off can be looked at by Frau von der Leyen, so to speak, on the living object: freelance educators (and this term is wide ranged) and other professional groups have been obliged to transfer 19,6 percent of their profits to Deutsche Rentenversicherung for several years.
Under which circumstances the whom, I have here a small overview given. The fact is that the additional burden often leads to the parties either not to report to the DRV - and thus violate the law - or improve their meager fee in between with unemployment benefits II. Both are not exactly in the public interest.
6. State pension insurance - or alternatives?
Apparently, Ms von der Leyen plans not to force the self-employed to take part in state pension insurance, but to leave them the choice for private retirement.
The insurance claims may only be non-inheritable, transferable, borrowable, available for sale or capitalizable various media citing core paper from the Ministry of Labor with the title: "For a pension obligation for self-employed workers".
The freelance educators were not so lucky at the time: although you also had the option of interstate or private retirement, but only if you were in front of the 30. September 2001 were self-employed and were already able to provide a retirement pension. All others were compulsorily insured by the state. Here, two measurements are measured.
7. Social security contributions by revenue
Volker Pispers calls in the video the example of Switzerland, in which taxes are paid by all income.In Germany, however, the social security contributions are paid up to certain limits by self-employed not on the actual income, but in too high for many flat rates.
This is also in health insurance and leads to the absurd situation that the self-employed also come to several hundred euros social insurance even with little merit. The members of the social insurance scheme are exempt: they can easily estimate the income according to which the social contributions are calculated!
Conclusion: The social insurance system is hopelessly obsolete
We are in the middle of a fundamental change in our society: classical occupational biographies like we know them are becoming increasingly rare, phases in which there is a change in focus, unemployment and independence, are already the rule for many people. This is precisely why the problem affects not only a small marginal group, but all of us.
For the German social security system is far from being set up for this fragile employment biography - even though this problem was recognized more than 10 years ago, among other things by the trade union Education and Science (S.27). The normal case is still the permanent position, everything that is outside of this standard, prepares politics and bureaucracy headache - as you can see on Mrs. von der Leyen's half-baked thrust quite clearly.
What we need is a fundamental reform of the social security system, not "doctoring" on individual professions!
After all, that the self-employed pension insurance obligation does not quite taste, has arrived at the Ministry of Labor. Ursula von der Leyen responded in a video message. And she has today, at the 11. June 2012, Tim Wessels invited to a meeting on the situation of self-employed. Wessels had initiated an e-petition, in which in a short time far more than the required 50.000 signatures had come together.
Is Frau von der Leyen reasonable?
Unfortunately, that does not mean that Ursula von der Leyen has become sensible by now: she keeps much more attached to her plans - after all, she also believes that she is doing something good for the people and protecting us all from the threat of old-age poverty.
Personally, I also find their video message credible - too nice and neatly sounded out of ears the appearance seems to me. And too little personal conviction. It is therefore to be feared that the conversation will not be a dialogue but rather an attempt to re-vote Wessels - this is also shown by earlier discussions with petitioners.
Carsten Foertsch has in a really readable article on Deskmag from the Leyens views, a critical fact check. His conclusion is the hope of a just pension insurance with equal rights and duties for all. And that a reform which is even more disadvantageous to the self-employed than any other professional group in Germany is not desirable. Among other things, Förtsch mentions in his text the true intentions of our Minister of Labor:
Pensions insurance: justice for all?
First and foremost, Ms von der Leyen does not want to secure a self-employed person in her old age with the reform, but simply wants to make more money [...] Many self-employed people are already paying for old-age provision. However, for others, such as civil servants or politicians who pay 0% of their income for their pension and later one minimum pension received from 1300 Euro, these amounts are usually much higher. In return, these people will not be included in any compulsory pension [...]
Conflict of interests in favor of the German insurance industry?
Unfortunately, Stiftung Warentest's results conclude that all types of insurance are only worthwhile. Life insurance does not provide age insurance, since the return is below the annual inflation rate. Self-employed persons who opt for a Rürup pension are only reckoned for earners without fluctuating income, ie those who are hardly affected by the mandatory pension [...] By the way, Rürup is the one who leads a company today with Maschmeyer. Maschmeyer is in turn an old study colleague of Frau von der Leyen, even if we do not wish to imply any conflicts of interest in their plans for the benefit of the German insurance industry. About the uncertain state of statutory pension insurance we have already reported.
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