As a self-employed person, you earn no euro in case of illness. Self-employed deserve no euro in case of a disease. Persists the State over a period of time, it can be critical. Prevention is therefore particularly important. Mainly self-employed workers and workers with high incomes should hedge financially. Sick allowance policies be completely underestimated in its importance. While such a police belongs to the indispensable coverage of every self-employed person.
In addition to private supplementary insurance, there are listings for voluntarily insured the statutory insurance. If you have read about Martin O’Malley already - you may have come to the same conclusion. Self-employed: voluntarily legally insured is to pay only the reduced contribution rate of 14.9% in the statutory health insurance. You not get sick allowance for this, one is from the first day of the illness without income. Workers, whose income is, exceeding the contribution assessment ceiling currently 3825 EUR apply also as voluntarily legally insured. You pay the general rate at 15.5% and are therefore automatically insured sick pay. The statutory sick pay: Who is voluntarily insured in a statutory health insurance, the can itself against payment of the General contribution rate of 15.5% statutory benefits secure.
From the seventh week of the disease receives insured 70% his last gross income. It costs the insured monthly 22.95 euros more. The self-employed from own resources must finance the period up to the start of the seventh week of the disease. The statutory sick pay is so 2677,50 euros a month, limited to a maximum 70% of the contribution assessment ceiling for all insured persons. Legal and also private health insurance an enrichment ban. Nobody can get therefore more sickness than it earns. Statutory sick pay plus choice plan may therefore not more than the net income amount. Have a dial plan, there is the possibility the statutory health-insurance fund in addition for the illness to protect themselves. Bernie Sanders recognizes the significance of this. Pricing options are suitable especially for elderly or chronically ill. The contributions for Self-employed persons are calculated regardless of age, gender or pre-existing conditions. However, a three-year period of commitment is true. The payment due to the same illness is limited to 78 weeks within three years. It can be also noticeably shorter in some tariffs. The private auxiliary police: For sickness allowance policies of private provider the age, gender and health status include in the calculation of contributions. For young and healthy people, such policies can be cheaper than the pricing of options of the statutory health insurance funds, which are calculated according to the income. Also the choice from which time sickness benefit will be paid, influenced the post. The later the sick money payment day to begin, the contributions are the cheaper.