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By Simone Janson (More) • Last updated on October 15.03.2013, XNUMX • First published on 15.03.2013/XNUMX/XNUMX • So far 80037 readers, 56284 social media shares Likes & Reviews (5 / 5) • Read & write comments
The new regulation for mini-jobs has been in effect since the beginning of 2013: anyone who has accepted a job for up to 450 euros since January is eligible Health insurance, long-term care insurance and unemployment insurance are exempt. What is new, however, is that pension insurance contributions are now due. What to pay attention to? An overview.
This question comes from readers again and again: "I only have a mini job, nothing else, how do I insure myself?" You cannot get health insurance only with your mini job. You still need a main job that is subject to insurance as an employee or self-employed person. Or you are insured in the family insurance!
In addition to an insurance job requiring 450-Euro, a single 450 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 850 euros, the midijob rule applies - see below.
For employers, nothing changes: they pay in commercial 15 percent flat rates, in minijobs in private households even only 5 percent. 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.
What is new is that employees are now subject to compulsory pension insurance: the contribution rate valid as of 2013 is 18,9 percent. Mini-jobbers in commercial enterprises must therefore increase the employer's share by 3,9 percent - with a monthly income of 450 Euro are the 17,55 Euro.
Mini-jobbers in private households must increase their employers' share by 13,9 percent - 450's earnings are 62,55 per month. However, this regulation does not apply to existing employment contracts concluded up to 31.12.2012. Under certain conditions, an exemption from the pension insurance obligation is possible.
Anyone who has earned between 401 and 450 Euro is still subject to social insurance. Exemption from the pension obligation is not possible.
If existing 400 Euro Job Contracts increase the fee to 450 Euro, the new regulations of the year 2013 apply.
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 450 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 451 Euro or more to the midijob (see below).
If an independent activity is carried out as a minjob, ie with a merit up to 450 Euro, this is insurant. If you earn more than 450 Euro yourself, you must voluntarily insure your health.
If you have one or more minijobs in addition to your self-employment, you must observe the same rules as for minijobs in addition to a main occupation (see above).
If an independent and non-independent activity with each 450 Euro is exercised side by side, the same rules apply as for several minijobs, ie an 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 450 Euro with both, the main activity is earned more.
Jobs with a merit from 450,01 to 850,00 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 451 EUR / month) and rise linearly up to the full share of 21% at 850 EUR Arbeitsvergelt.
This regulation does not apply if the part-time job with a salary of 451 to 850 EUR is carried out in addition to a main job of more than 850 EUR that is subject to pension insurance. In that case, the employer and employee must pay the full social security contributions for both jobs. The assessment basis for the employee contribution is not that salary, but an amount calculated according to a specific formula.
Anyone who accepts a mini job for 450 euros is employed without social security. That sounds like “don't pay any taxes”. Far from it: If you cannot take out other forms of insurance, you have to take out insurance cover yourself:
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Simone Janson is publisher, Consultant and one of the 10 most important German bloggers Blogger Relevance Index. She is also head of the Institute's job pictures Yourweb, with which she donates money for sustainable projects. According to ZEIT owns her trademarked blog Best of HR – Berufebilder.de® to the most important blogs for careers, professions and the world of work. More about her im Career. All texts by Simone Janson.
People, do not listen to what employers say do your own thing instead of dumping you on 450 Euro somewhere.
Hello.
from June 6th I will be working in the hotel (mini job - 450 Euro job). I can't speak or write uno fale so I'm sorry but I hope someone will understand my questions.
I haven't had social security for 2 years, but the boss said it's not a problem, he'll send a letter to the post office. (he “order” a social insurance - he said “order”…. so I don't know what that means, I want to be under 451 the employer doesn't have to pay my social insurance possibility and then i choose what is the best offer for me and i pay it for myself?
and when I must pay about how much euros do I have to pay per month for a social insurance?
+ information: I had no job in Germany until this month.
I had no social insurance in Germany
and ish am single, and ish have no other "job" only one.
Many thanks for your help.
Lg
B.
Hi Beata,
First: Find someone who knows your mother tongue and can help you in such matters.
Basically it is as in the text with Minijobs: Your boss pays a lump sum, you pay nothing.
But the text also states:
Only through his Minijobb you can not get sick. You still need an insurable primary job as an employee or self-employed. Or you are insured in family insurance! [Quote-end]
This means that if you are not insured with social security in Germany, it is illegal if you live in Germany - you have to be insured somehow, preferably through your job.
Unfortunately, we can not advise you for legal reasons, here the Minijobzentrale or the Deutsche Rentenversicherung can help.
Good day
These contributions were very informative. On the Internet, however, you can find additional information about private health insurance. It is clear that the PKV's performance packages will be reduced. But the benefits of the GKV also. For this reason, private health insurance is still the best choice for good medical care. Thus, each employee can receive a grant from the employer for his private health insurance. This subsidy remains tax-exempt. The amount is based on the contributions for a statutory health insurance. The employer's allowance is not dependent on the selected benefits of the tariff.
Hello Gudrun, thanks for the hint. Which health insurance is best, still depends on the individual situation such as the marital status. So you should not generalize that.
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