The Health insurance In contrast to a normal job, mini-jobs, the so-called 400-euro jobs, are not partly taken on by the employee. What options does a mini-jobber have to insure himself?

Best of HR – Berufebilder.de®
Contents Hide

Is this calculated annually or monthly?

Recently the question was raised in the forum, whether the merit for Minijobs is calculated for the whole year or monthly. Since the topic is somewhat more complicated, minijobs have written their own blog post on the topic of income limit.

No insurance just about the minijob

The books on the subject (advertising)

9783965965485

 9783965965300

 9783965962804

 9783965963504

 9783965962422

 9783965962224
Tip: You can also use this text as a PDF or an eCourse on the subject download. You can also find it in the shop exciting inspiration to experience your success, plus offers & news in Newsletter ! (Advertising)

Only over his Minijobb you can not insure yourself. You still need an insurable main job as an employee or self-employed person. Or you are insured in the family insurance!

Only one insurance job is possible

In addition to an insurance job requiring 400-Euro, a single 400 Eurojob is also possible, which in this case can still be billed by the employer on a flat-rate basis.

However, if several mini-jobs are carried out in addition to a main job, all of them are added to the main job. Employers and employees then pay all taxes that are also incurred in a “normal” employment relationship. If the total amount of the remuneration paid is not higher than 800 euros, the midijob rule applies - see below.

Minijob with grossverdienst up to 400 Euro per month

Discounts for your success (advertising)!

amazon rising star

 Processed by eBay with ImageMagick, z1.1.0. B2 ||

 amazon coupons

 amwh

The employees do not pay any taxes. The employers pay 25 percent flat-rate contributions, and in the case of minijobs in private households even 12 percent. Employers and employers have the same labor obligations as their other employees compared to their marginal employees.

This applies, for example, continued pay, paid leave and continued pay on holiday. The lump-sum fees for mini-jobs are only paid to a central office - the mini-job center in Essen.

Several minijobs

It is possible to practice several minijobs simultaneously, but not with the same employer. The merits of all the occupations are aggregated. They may not be over 400 Euro.

As soon as the limit is exceeded, social insurance contributions are due for the entire merit and are, for example, expelled from student health insurance. If someone has two minijobs, it may be possible to make a slight increase in the wage to 401 Euro or more to the midijob (see below).

Independence and minijob

If an independent activity is carried out as a minjob, ie with a merit up to 400 Euro, this is insurant. If you earn more than 400 Euro yourself, you must voluntarily insure your health.

Anyone who works one or more mini-jobs in addition to their self-employed activity must observe the same regulations as for mini-jobs alongside their main occupation (see above under 3.). If a self-employed and non-self-employed activity with 400 euros each is carried out next to each other, the same rules apply as for several mini-jobs, i.e. one activity should become the main activity.

If self-employed and non-self-employed activity are carried out side by side and you earn more than 400 Euro with both, the main activity is earned more.

Midi Jobs

Jobs with a merit from 400,01 to 800,00 Euro (for one or more jobs together) are midijobs for which lower social insurance contributions are calculated. The social contributions to be paid by the employee begin with 4% (as of 401 EUR / month) and rise linearly up to the full share of 21% at 800 EUR Arbeitsvergelt.

This rule does not apply if the secondary job is exercised with a work allowance from 400 to 800 EUR in addition to a main pension obligation of more than 800 EUR. The full social insurance contributions of employers and employees are then payable for both employments.

The assessment basis for the employee contribution is not that salary, but an amount calculated according to a specific formula. The employee can voluntarily top up his or her pension contributions in order to receive a higher one afterwards pension to obtain.

Private health insurance

As an employer, you pay a flat-rate amount for Social Security for Minijober if the employee is compulsorily, voluntarily or family-insured in statutory health insurance.

For mini -jobbers, who are privately insured by the sick, the lump-sum contribution to the health insurance is not!

What changes in health reform?

The answer to this question is: Nothing! If you employ an insurance-free 400 Euro Minijobber, you will continue to pay a lump-sum contribution to the statutory health insurance amounting to 13 percent of your salary.

Of course only if the employee is compulsorily, voluntarily or family-insured in the statutory health insurance. The lump-sum contribution therefore also applies to persons who already pay health insurance contributions up to the limit of the contributions due to their main employment.

Minijobber: What to do if you were not previously insured?

This is also the case: minijobbers, who were not previously insured by the sick. Because at the beginning of the year 2009 all sick people must now insure themselves. This group of people also includes Minijobber!

In official German this means: The health reform, which came into force in April 2007, provides that people who have no other entitlement to coverage in the event of illness and who were most recently covered by statutory health insurance or have not previously been covered by statutory or private health insurance and are not self-employed full-time or who do not have health insurance, or would be exempt from insurance when exercising their professional activity in Germany, are subject to health (and thus also care) insurance.

What health insurance does the minijobber have to insure?

Responsible for the health insurance protection is the statutory health insurance company with the last one Insurance existed, even if this insurance dates back decades. If the original health insurance no longer exists, the legal successor is responsible. Insurance in the statutory health insurance scheme is out of the question for those who were previously privately insured. They are covered by private health insurance.

Can you choose your health insurance as a minijobber?

If you have never been legally or privately insured by your health, the health insurance company can choose freely. Exception: Officials or self-employed persons. These must apply to private health insurance. Non-insured persons who are not or no longer covered by health insurance may also belong to the population of non-insured persons. The competent health insurance company is responsible for determining whether there is a liability to insure as yet uninsured.

Mini-jobbers who are subject to compulsory insurance as a result of the new legal regulation must therefore take care of their health insurance and inform their employer of this. If you don't do that and get caught later, you have to pay all contributions retrospectively since January 1st, 2009 - that can be quite steep, depending on how long the period is.

In return, employers whose minijobbers who are subject to insurance under the new statutory health insurance scheme in the statutory health and long-term care insurance should point out that they must turn to their competent health insurance fund.

Mini jobs for students

Deutsche Rentenversicherung points out that pupils must in principle pay the same taxes as normal employees. However, those who only use the summer holidays to work are engaged in short-term employment. Then no contributions have to be paid out of this employment, no matter how high the merit is.

“Short-term” employment is always present if it does not exceed a total of two months or fifty working days in the current year. It must be determined from the outset that it will no longer be.

If the employment lasts longer, so it is also regularly worked outside of the holidays, it remains insurable if it is a minijob. Here, the whole year can be earned monthly up to 400 Euro without paying pension contributions. This is done by the employer who pays a lump sum for pension and health insurance.

Employers can look forward to it

Employers in private households can rejoice. From January 1, 2009, they can deduct 400 percent of the total expenditure from their income tax to be paid for a marginally paid employee or 10-euro mini-jobber in a private household, instead of the previous 20 percent. This provides the “Act for the Promotion of Family and household-related services”, which the Federal Council approved on Friday, December 19, 2008.

From the 1. January 2009 pay employers for a slightly salaried employee in the private household 14,27 per cent of the contributions of the minijob wage. Due to the new legal regulation, they can then deduct 20 per cent of the total expenses, but a maximum of 565 euros per year, directly from their tax credit. This gave an even greater incentive for employers to register their budgetary aid at the Minijob headquarters and thus to employ them legally.

For example, if a household is earning 320 euros a month, the employer pays 45,66 euros per month for taxes. If the tax advantages are opposed to this, the employer will be charged a monthly extra charge of only 3,16 Euro.


Top books on the subject

9783965965485

 9783965965300

 9783965962804

 9783965963504

 9783965962422

 9783965962224

Read text as PDF

Acquire this text as a PDF (only for own use without passing it on according to Terms and conditions): Please send us one after purchase eMail with the desired title supportberufebilder.de, we will then send the PDF to you immediately. You can also purchase text series.

4,99€Buy

Advice on success, goal achievement or marketing

You have Ask about career, Recruiting, personal development or increasing reach? Our AIAdviser helps you for 5 euros a month – free for book buyers. We offer special ones for other topics IT services

5,00€ / per month   Book

Book eCourse on Demand

Up to 30 lessons with 4 learning tasks each + final lesson as a PDF download. Please send us one after purchase eMail with the desired title supportberufebilder.de. Alternatively, we would be happy to put your course together for you or offer you a personal, regular one eMail-Course - all further information!

29,99€Buy

Skate eBook as desired

If our store does not offer you your desired topic: We will be happy to put together a book according to your wishes and deliver it in a format of yours Choice. Please sign us after purchase supportberufebilder.de

79,99€Buy