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The social system in Germany

The social system in Germany. Structure. General Insurances in Germany Earnings-related unemployment benefit *1) Child benefits BaFög: Federal Education and Trainings Assistant Act Examples. Vocabulary: * 1) Earnings-related unemployment benefit :

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The social system in Germany

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  1. The social system in Germany

  2. Structure • General • Insurances in Germany • Earnings-related unemployment benefit *1) • Child benefits • BaFög: Federal Education and Trainings Assistant Act • Examples Vocabulary: * 1) Earnings-related unemployment benefit: money you get if you haven‘t got a job or you’ve lost your job

  3. General Otto von Bismarck (1815-1898): • Chancellor • Developed German insurance system Beginning of the social system in Germany

  4. Insurances • Two different types of insurances: • State insurances • Private insurances • A lot of extra insurances (e.g. automobile insurance, insurances for glasses, instruments…) who are not obligatory

  5. Health-care Insurance • Pays medical costs • Financial support in case of longer inability to work • State health-care insurances (87% of all Germans): • All insured people have to pay the same amount of money depending on income • everybody has to pay 15, 5 % of the gross salary: • the employer pays 7,3 % • the employee pays 8,2 %

  6. Health-careinsurance • Private insurance (13% of all Germans): • people who earn more than 49.500€/year can be member • Premium depends on age, gender, actual state of health, necessary performance

  7. Accident Insurance • Financial support in case of inability to work because of an accident • Pays only for accidents on the way to workplace • the employer pays the whole amount of money (depends on the wage bill of the employee)

  8. Pension insurance • Pension from the age of 67 • Working population finances the retired generation • Everybody has to pay 19,9% of gross salary • Employer and employee share premium

  9. Nursing-careinsurance • Pays money you need to pay nursing staff if you’re not able to care for yourself • the premium, which is to pay, amounts 1,95% • Employer and employee share premium

  10. Unemploymentinsurance • Earnings-related unemployment benefit 1 in case of unemployment • everybody has to pay 3,0% of the gross salary • Employer and employee share premium Vocabulary: * 1) unemployed: if you don‘t have a job/you‘ve lost your job you‘re unemployed

  11. Earnings-related unemployment benefit I • Benefit period: 6-24 months • You only get money if you have paid into the unemployment insurance • 60% or 67% (minimum one child) of gross income *1) • After benefit period Earnings-related unemployment benefit II Vocabulary: * 1) gross income: money you receive for working without important things you have to pay from it (taxes, insurances…)

  12. Earnings-related unemployment benefit II • Pays basic security (rent, important consumer goods, basic insurances) • You can get extra benefits (e.g. rent, things for children) • Financed by taxes • 1-€-Jobs

  13. Earnings-related unemployment benefit II • Standard rate (par month): • Full aged Person: 364€ • Full aged Partner: 328€ • Person younger than 25: 291€ • Person younger than 17: 291€ • Person younger than 14: 251€ • Person younger than 6: 215€

  14. Child benefits • Money for costs of children • First child: 184€/month • Second child: 184€/month • Third child: 190€/month • Every further child: 215€/month

  15. Maternity benefit • Money in time when (pregnant) women are not allowed to work (6 weeks before birth up to 8 weeks after birth) • State health-care insurance pays up to 13€/day • Employer pays missing rest of normal income

  16. Parentsmoney • Money to support young families the month after birth of child • Especially poor families get big benefits • Min. 300€ • The money get all those parents who care for child at home or work not more than 30h/week

  17. Parental leave • Parents can stay at home or work less until child is 3 years old • Can’t be dismissed in those 3 years • After those 3 years they are entitled to get their old workplace/a comparable workplace

  18. Kindergarten • Children from the age of 3 up to the age of 6 have a right to get a place in the kindergarten • In some German states the last year before school is for free

  19. BaFög: Federal Education and Trainings Assistant Act • Supports students and trainees with money • Aim: all children should have same chances regardless of family income • Is also for foreign people (should have lived in Germany for four years) • People should be younger than 30 years

  20. BaFög: Federal Education and Trainings Assistant Act • Visit school/work/university continuously • money dependent on your earnings and family income • Get BaFög from start until the end of your education (or maximum 10 semesters) • Pupils and trainees mustn’t pay something back ( benefit) • Students have to pay a part back to the state ( credit)

  21. 1stExample • 1) Hartz-IV recipient: Heinz Bauer married, two children “Income”: 14760 €/year (earnings related unemployment benefit II) + benefits e.g. for rent or children

  22. 1stExample

  23. 2ndExample • 2) Average wage earner * 1) Thomas Müller, 44 married, two children Income: 30250€/year + child benefits (4416€/year) Vocabulary: * 1) Average wage earner: Person who gets as much money as the average of German workers

  24. 2ndExample Net income: - 36% of gross income

  25. 3rdExample • 3) top earner * 1) Martin Schneider, 47 married, two children Income: 72.000€/year + child benefits (4416€/year) Vocabulary: * 1) Top earner: Person who gets much more money than the average gets

  26. 3rdExample Net income: - 55% of gross income

  27. 4thExample • 4) Freelancer * 1) Max Maier, 45 married, two children Income: 75.000€/year + child benefits (4416€/year) Vocabulary: * 1) Freelancer: Worker who works independent

  28. 4thExample Net income: -37% of gross income

  29. Sources • http://en.wikipedia.org/wiki/Otto_von_Bismarck, 18.10.2011 • http://de.wikipedia.org/wiki/Gesetzliche_Unfallversicherung_in_Deutschland#Aufgaben, 18.11.2011 • http://www.brutto-netto-rechner.info/arbeitslosengeld-I-rechner.php, 18.11.2011 • http://www.aok-business.de/tools-service/gehaltsrechner-2011/, 01.11.2011 • http://www.dewion.de/ratgeber/versicherungscheck_selbst.shtml, 01.11.2011 • http://www.arbeitsagentur.de/nn_26532/zentraler-Content/A09-Kindergeld/A091-steuerrechtliche-Leistungen/Allgemein/Kinderzuschlag.html, 05.11.2011 • http://www.bmfsfj.de/BMFSFJ/Familie/leistungen-und-foerderung.html, 05.11.2011

  30. The end: Thank you for your attention!Have you got any questions?

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