{Replica} Ursula von der Leyen and the compulsory pension for the self-employed: 7 facts and errors of the minister


Work well, plant 500 trees! We make the working world more humane and ecological, e.g. through our well documented Engagement for Climate Protection. As Book Publisher Best of HR – Berufebilder.de® with a unique Book Concept and eCourses we offer over 20 years of experience in Corporate Publishing - with Clients like Samsung, Otto, Governmental Institutions. From the Top 20-Blogger Simone Janson, referenced in ARD, ZEIT, WELT, Wikipedia .
Rights , .

Federal Minister of Labor Ursula von der Leyen wants to force self-employed people to take old-age provision: from 2013, they should choose to pay into either private or statutory pension insurance - at least 300 euros a month. An overview of facts and errors.

paper

Important note: This entry contains content and information that may be out of date, eg due to legal or statistical changes. Because it can still be helpful to get an overview of the topic, you can still find it here.


Here writes for you:

 

Simone Janson Simone JansonSimone Janson is publisherGerman Top20 blogger and Consultant for HR communication.

  Profile

Compulsory parental insurance for the self-employed is a matter for all of us: Leyens Errors

Although not all details of the proposed law are clear yet, there has been fierce opposition: the online petition against the law has been signed more than 75000 times to date. No wonder: Von Leyen's argumentation is full of contradictions and errors.

Cabaret artist Volker Pispers puts it in a nutshell: The German pension system would work wonderfully, if only all would participate equally. Labor Minister Ursula von der Leyen apparently thought so too and now wants to get the self-employed on board. Meanwhile, the online petition against the compulsory pension was drawn far more than 50.000 times, which now allows a public consultation in the petition committee of the German Bundestag. 7 facts on the topic.


Video Note: If you don't see a video here, you have to activate the option "Watch videos" under "Privacy and Cookies" at the end of the page!

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.

Tip: Text as PDF (please read the instructions!) or to this text complete eCourse Download. Actions or news via Newsletter!

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, on the other hand, writes of at least 350 euros, while older people should pay more. It is possible that the exact design is not yet completely clear, and that is precisely why the minister brought McKinsey's advisors on board for 1 million euros.

7 facts on pension insurance: study for 1 million euros and diet increase

They should, she writes Süddeutscheto create a so-called feasibility study. The consultants should check how the new pension obligation can be implemented technically and with as little bureaucratic and financial expenditure as possible. Until the end of June.

In view of the fact that Leyen's main argument for the introduction of compulsory pension insurance for self-employed people is that they should not be on the pocket of the general public, this makes as little impression as the cabinet's planned increase in diet. And otherwise, their reasoning is a little contradictory, let's say. An overview of 7 claims and the facts.

Tip: Text as PDF (please read the instructions!) or to this text complete eCourse Download. Actions or news via Newsletter!

Note: This text originally appeared on Best of HR – Berufebilder.de® as a contribution to compulsory pension insurance for the self-employed, which received almost 400 likes on Facebook got. In cooperation with Karsten Wenzlaff from the Institute of Communication in Social Media, I have now supplemented the article a little and focused on the errors of Frau von der Leyen. The corresponding article has now been published on ikosom and CARTA and is now also the title post and the most-read article due to 19 comments in just one day.

Claim 1: Self-employed can not provide for themselves

One of Leyen's main arguments in favor of compulsory pension insurance is that the self-employed can generally not take care of themselves - and therefore obviously have to be patronized like underage children. In the Wirtschaftswoche, the Minister of Labor revealed how little she actually believes in tomorrow's innovators and job creators - and says a lot about Germany as a business and start-up location!

"They'll ask: Why are you forcing me? At some point I will make big money, then it will be enough. However, life experience shows that this poker game goes too often. Free riders at the expense of the general public must not exist. ”

The fact is: the Minister of Labor contradicts herself!

At a UDL talk in February 2012, she was asked what she thought was to involve the employers in the cost of precaution. And admitted:

“The idea that you involve employers is basically right at first. It is only typical for the self-employed that he has no employer. ”

Tip: Text as PDF (please read the instructions!) or to this text complete eCourse Download. Actions or news via Newsletter!

The self-employed are charged with the sole responsibility for their own provision. It's as if you do not trust children to be able to eat alone but then expect them to set the table. This is different for example in the artist social insurance, in which the clients are jointly responsible for contributions. The Minister has to decide: Are the self-employed now responsible and can they make their own pension decisions accordingly? Or are they not and therefore need the support of the clients and the state in the provision?

Claim 2: It is typical for the self-employed that he has no employer

The minister asserts (see the above quotation) that self-employed persons do not have employers.

The fact is: The Minister ignores the situation of the self-employed workers!

In Germany, many people work, who, like self-employed, are socially insured, but in fact, just like employees, they work for just one principal. An example are lump-sum lists in many newspaper editors. Many of these employee-like self-employed people do not feel and behave like autonomous entrepreneurs who, for example, can freely negotiate their fees, but like second-class employees with lower qualifications. Newspaper librarians, for example, are even denied access to artists' social insurance - and precisely with the argument that they are not really self-employed!

This is because there are no social insurance costs for the employer - the self-employed are self-supporting.

With the client's participation in the social security contributions, the minister would now have the opportunity to make this model unattractive for employers. Even more people could be hired if the incentive to outsource disappear. Incidentally, the Verdi trade union, in which 30.000 solo self-employed are organized, has been advocating such uniform compulsory insurance for all employees for years.

Tip: Text as PDF (please read the instructions!) or to this text complete eCourse Download. Actions or news via Newsletter!

Claim 3: Forced-to-run traffic is a burden on the general public

Ursula von der Leyen wants to prevent (see quotation above) that the self-employed do not release themselves from the social systems for years, but in the end, if their business idea fails, they fall back into the “social hammock” as free-riders.

The fact is that the pension insurance obligation exacerbates the situation of the self-employed only - and there are already examples!

The idea of ​​doing something for the general public may be right in the approach, a forcible insurance is the wrong way. Ms von der Leyen could thus personally persuade herself, as it were, of the living object: freelance educators and other professional groups have been obliged to transfer 19,6 percent of their profits to Deutsche Rentenversicherung for several years. This does not make them any better. On the contrary, the additional burden often leads to the fact that those affected either do not report to the German pension insurance company in the hope of not being discovered - and thus violate applicable law. Or that they can improve their bargain fees between unemployment benefit II. Both undoubtedly at the expense of the public.

Instead of dealing with such real existing cases, the Minister of Labor would rather commission the McKinsey management consultancy for one million euros to create a feasibility study on how the new pension obligation can be implemented technically and with as little bureaucratic and financial expenditure as possible. And the federal cabinet is planning a diet increase.

Claim 4: The Federal Government wants to promote innovation and make Germany attractive for foreign companies

The Federal Government repeatedly emphasizes the importance of innovations for Germany as a business location. As a representative, we would like to refer to the initiative “Germany - Land of Ideas”, with the Federal Government and German industry, with which the strengths of Germany as a business and science location should be made visible at home and abroad. The following self-image is designed on the website:

"Germans and people all over the world say: “Land of ideas”, that fits Germany. Poets and thinkers, technicians and inventors, Made in Germany: that's us. Germany's strengths, its people and its innovative strength are aptly described with the term 'idea'. ”

Tip: Text as PDF (please read the instructions!) or to this text complete eCourse Download. Actions or news via Newsletter!

The fact is that compulsory pension insurance prevents innovation and ultimately makes Germany unattractive for foreign start ups!

Tim Wessels, IT entrepreneur and initiator of the online petition, complains in the interview with now the innovative hostility of the compulsory pension insurance:

"I think that fewer companies are founded and that a lot of ideas are simply not tried out. Politicians like to complain that too little is tried out in Germany and that, for example, the vast majority of successful start-ups in the web area come from the USA. If such laws are made in this country, you shouldn't be surprised. ”

In fact, the German founding culture is rather badly ordered: The Financial Times reports that the number of new companies 2012 is likely to fall to a record low of 400.000. The M Global Entrepreneurship Monitor (GEM), which compares the founding conditions in 50 countries every year, regularly assigns Germany one of the rear seats in terms of the overall social founding conditions. One reason: a good 50 percent of those polled in Germany would rather not just start out of fear.

In such a climate, we can look forward to the startup like the Swedish Soundcloud Berlin as a location and create jobs here. But even for such companies, Germany is becoming increasingly unattractive. For foreign employees, even if they work as a seasonal worker in Germany for a short time, are subject to pension insurance, but the contributions may be reimbursed later. If this obligation is also extended to foreign entrepreneurs, the StartUps like Soundcloud would rather deter.

Claim 5: Compulsory insurance is intended to close gaps in equity

Federal Minister of Labor Ursula von der Leyen wants a more equitable social insurance for all. According to Süddeutsche Zeitung she said:

Tip: Text as PDF (please read the instructions!) or to this text complete eCourse Download. Actions or news via Newsletter!

"We have a mandate to address gaps in justice that lead to poverty in the long term in the long run. ”

The fact is that compulsory provision opens up new gaps in justice because it prefers or disadvantages individual groups!

According to a key point paper from the Ministry of Labor with the title: “For a pension obligation for self-employed persons”, the self-employed will apparently at least have the wah in the futurel: interstate and private provision. The insurance claims may only be non-inheritable, transferable, borrowable, sellable or capitalizable. Other professional groups, such as 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. Or does this model flourish for all other self-employed persons?

Equally unjust is the way the social insurance contributions are calculated by the self-employed. The compulsory annuity insurance covers the calculation of, for example, flat-rate amounts; in the case of statutory health insurance, a relevant minimum income of more than 1000 Euro per month, according to which the amount of the contributions is calculated. This leads to the absurd situation that the self-employed will come to several hundred euros social insurance contributions per month, even with low earnings. 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 for self-employed affects all and is urgently in need of reform

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.

Tip: Text as PDF (please read the instructions!) or to this text complete eCourse Download. Actions or news via Newsletter!

What we urgently need is a survey of the social insurance situation of the self-employed in Germany, which shows where the policy must begin to really improve their situation. Rapid firing, with which individuals are strongly favored or disadvantaged, worsen the already unfair situation additionally and also endanger the economic location of Germany.

What we need is a fundamental reform of the social security system, no "doctoring around" in individual professional groups!

UPDATE

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.


Video Note: If you don't see a video here, you have to activate the option "Watch videos" under "Privacy and Cookies" at the end of the page!

This post was shared almost 400 times on Facebook in just two days - despite the complex topic. Good thing and many thanks to my readers. Because: The discussion is far from over!

facebook-likes

Tip: Text as PDF (please read the instructions!) or to this text complete eCourse Download. Actions or news via Newsletter!

Success of the online petition

When Deskmag last week announced good cheer that the online petition against the pensions insurance plans of the Federal Employment Minister had found the necessary 50.000 signatories, some may have thought that you can now sit back and relax.

And I admit, I was also in response to mine Article Skeptical: Because an overview of the subject of social insurance in Germany is extremely complicated and the matter is difficult or hardly understandable.

Thanks for almost 400 Likes in 2 days

I am delighted that 400 readers have not only passed the article by Facebook, but have mostly clicked on it and dealt with the complex matter. And there are more hours every hour!

And even more: Zig more readers, the live event, in which Ursula von der Leyen announced her pension plans in February, once again as an O-Ton listened and this article also 184 times via Twitter and Facebook passed.

Motivation for my work: readers want accurate information!

This is a great example of how important it is to keep track of the same topic on a blog (and something like that is only in the blog and not in Facebook!).

Tip: Text as PDF (please read the instructions!) or to this text complete eCourse Download. Actions or news via Newsletter!

And for me it is proof that readers also value well-founded texts, detailed research and this accuracy in the representation of the facts - including O-tones. And not, as many colleagues think, only superficial Wischi-Waschi prefer. The readers want to get an idea of ​​themselves!

And for me personally this is a great motivation to continue with my work: Thanks to my readers!

Please discuss: What does a good and equitable social insurance look like?

Finally, the petition now has 70.000 supporters. This shows that the discussion about better and fairer social insurance must and will continue, and we should also deal with the issue of how good and fair social insurance for the self-employed could really look.

Therefore, I will post on this topic also other articles in which I make the topic even tighter, and ensure a corresponding media distribution. In this sense: carry on - the topic concerns us all!

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.

Tip: Text as PDF (please read the instructions!) or to this text complete eCourse Download. Actions or news via Newsletter!

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 did a critical fact check in a really worth reading article on Deskmag von der Leyen's views. His conclusion is the hope for a fair pension insurance with equal rights and obligations for everyone. And that a reform that discriminates against the self-employed even more than any other professional group in Germany is undesirable. For example, Förtsch's text deals with the real intentions of our Minister of Labor:

Pensions insurance: justice for all?

First and foremost, Mrs. von der Leyen does not want to secure the self-employed in old age with the reform, but simply earn 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 euros, these amounts are usually much higher. For this, these people will not be included in a compulsory pension in the future […]

Conflict of interests in favor of the German insurance industry?

Unfortunately, the results of the Stiftung Warentest conclude that all types of insurance are only worthwhile to a limited extent. Life insurance policies do not provide retirement benefits because the rate of return is below the annual inflation rate. Self-employed people who opt for a Rürup pension only pay off for high earners without fluctuating income, i.e. those who are hardly affected by the compulsory pension [...] Incidentally, Rürup is the one who runs a company with Maschmeyer today. Maschmeyer, on the other hand, is an old colleague of Ms. von der Leyen's, even if we don't want to use it to indicate any conflicts of interest in her plans in favor of the German insurance industry.

 

Tip: Text as PDF (please read the instructions!) or to this text complete eCourse Download. Actions or news via Newsletter!


More knowledge - PDF download, eCourse on demand 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).

3,99 Book now


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!

19,99 Book now


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).

179,99 Book now



You want to comment here? Please the Debate Rules comply, contributions must be unlocked. Your eMailAddress remains secret. More information on the use of your data and how you can counter this can be found in our Privacy Policy.

  1. To follow debate on this post
  2. All debates follow
  1. Sascha Lobos Change of Heart: The End of the Digital Boheme? ›Education, career, future | PROFESSIONAL PICTURES | PROFESSIONAL PICTURES

    [...] It is not without a certain irony that Sascha Lobo, of all people, as the inventor of the digital bohemian, is now calling for its protection - and that after we recently vigorously petitioned von der Leyens compulsory pension plans for the self-employed. [...]

  2. Minister of Labor meets the initiator of the e-petition against compulsory pension insurance: Von der Leyen talks with Tim Wessels about the situation of self-employed people | Berufebilder by Simone Janson

    [...] Tim Wessels invited to a talk about the situation of the self-employed. Wessels had initiated an e-petition in which far more than the required 50.000 signatures were collected in a short time [...]

  3. Minister of Labor meets the initiator of the e-petition against compulsory pension insurance: Von der Leyen talks with Tim Wessels about the situation of self-employed people | Berufebilder by Simone Janson

    [...] invited to a discussion about the situation of the self-employed. Wessels had initiated an e-petition in which far more than the required 50.000 signatures were collected in a short time [...]

  4. My text on compulsory pension insurance for the self-employed on CARTA's most read post: Von der Leyens Errtäne | Berufebilder by Simone Janson

    […] On Friday I wrote a blog post about compulsory pension insurance for the self-employed, which received almost 400 likes on Facebook got. In co-operation with […]

  5. Nina Kalmeyer

    Read! -> von der Leyen & the compulsory pension for the self-employed: Between paternalism & increased diet | by Simone Janson -

  6. Birgit Veddeler

    Thanks for this article!

    • Simone Janson

      Thank you for your comments and the dissemination of the text!

  7. ingel marketing

    von der Leyen & the compulsory pension for the self-employed:… tutelage & increased diet | by Simone Janson via @sharethis

  8. No pension obligation

    Current post from BERUFEBILDER (Blog for education and new work by Simone Janson):…

  9. Simone Janson

    Dear Mrs. Radtke,
    thank you for the praise, that is after the whole writing and research effort of course very beneficial. I will also present the contribution in a slightly modified form in other media.
    What just excites me is that this woman just sit down at the event in February and pretends to do something good for the self-employed. How libel can you be?
    O-tone for the rest is here:

  10. Astrid Radtke

    Thank you for the great article, which really records all aspects of the system. It is, however, not just the politics that do not know the disadvantages of the social insurance system for self-employed people, but also a whole series of independent workers.

    They usually have real estate or other reserves. They are not even aware that they too would be affected by the system, because
    im Spiegel - and I've already read it elsewhere - it says:
    “The provision should be“ non-heritable, non-transferable, non-lendable, non-transferable and non-capitalizable ”, in other words: it cannot be used up before retirement. ”

    For self-employed persons, the lump-sum contributions (even in the KV) mean the less they earn, the higher the percentage burden on the total income. This too is an untenable state, which is not addressed.

  11. Helge-Frank Zimpel

    Ursula von der Leyen & the compulsory pension for the self-employed: Between paternalism & increased diet

  12. Jennifer Richter - Filmography by type

    Ursula von der Leyen & the compulsory pension for the self-employed: Between tutelage & increased diet #Business

  13. Holger Froese

    Ursula von der Leyen & the compulsory pension for the self-employed: Between tutelage & increased diet #Business

  14. Liane Wolffgang

    Ursula von der Leyen & the compulsory pension for the self-employed: Between paternalism & increased diets: Cabaret artist Vol ...

  15. Simone Janson

    Ursula von der Leyen & the compulsory pension for the self-employed: Between paternalism & increased diet

Post a Comment

Your email address will not be published. Required fields are marked with * .

Ja, I would like to be informed about the latest promotions and offers via Newsletter be informed.

I hereby accept the Debate Rules and the Privacy policy with the possibility to contradict the use of my data at any time.