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and marginal employment (mini-jobs)

There are two types of marginal employment and mini-jobs:

1. a on enduring paid slightly &
2. a rewarding independent short-term, temporary employment from the start (in a calendar year maximum of two months or 50 working days).

Such activities are in the statutory pension insurance basically free, that is for employees without any contribution to the statutory social insurance. In review of freedom is derived no own social security and down as a rule, no services, even if the employer must pay social security contributions. In the mini-job training schemes are of course no application.

Minor activities are also available in households . For such employment in part subject to special rules. For more information please click HERE!

The competent pension insurance institution, the German miners' underground lake with its function as a mini Job Center .

The "classic" among the mini-jobs is the permanent 400-Euro-jobs. With this issue or variation of a minor employment (see point 1) we are concerned here mainly.

At 400-euro jobs must, as mentioned above, by any social security contributions Worker is paid. The employer, however, must be paid on the lump-sum merit nor social security contributions and taxes.

For health insurance, the employer pays flat rate of 13% of salary if the employee is covered by statutory health insurance, whether voluntary, compulsory or family insurance. For these contributions to the plan no own health insurance money.

charged to the employer pension flat rate of 15% of salary. This package is also free for other insurance groups of people like to pay old-age pensioners, retirees or members of a professional care facility. If due to several aggregated were 400-euro jobs compulsory insurance, compulsory contributions are due to all social security branches. These contributions are proportionate among workers and employers to apply.

The maximum amount of 400 € can be achieved with one or several marginally-paid occupations. Also next of insurable employment is the main way a 400-euro job to exercise free insurance. Each additional mini-job is added together with the main occupation, and will charge with the exception of unemployment to pension, health and nursing care.

Whether the income limit is met or exceeded € 400 depends of annual earnings from (max. 4.800, - €). When earnings equal to the maximum income limit of 400 € can be one-off payments such as holiday or Christmas money, therefore the insurance liberty harmful. Note was also that mini-jobs may exist under the above mentioned points 1 & 2 next to each other without insurance.

tax-free allowances (eg, the facilitator of a monthly fee 175, - € or voluntary fee of € 41.67 per month) do not count on regular income.

400-euro jobs are generally taxable. The wage tax can be levied a flat rate or tax card. The lump-sum Income tax with a lump-sum tax rate of 2% this particularly favorable. The precondition is that the employer pays for such employment pension insurance contributions.

INCREASE pension insurance

By "topping up" the full power requirements can be derived in the statutory scheme and secure. Therefore, the application can be worth quite a small equity share.

The reduced pension contributions by the employer to the insured are taken into account in the pension account waiting months. For insurance, the freedom of months of employment of a minor Employment, however, recognize only one-third. Marginal employment or three years equivalent to a year with full pension contributions.

The insurance freedom can be omitted if desired. The employer in this regard must be submitted in writing. With several mini-jobs side by side, the statement applies to all minor employment. A waiver is valid for the entire period and can not be revoked. paid

when avoiding the insurance liberty must be a part of the article itself. This is meant by "topping up". By stocking up you gain with relatively low contributions full compulsory contribution periods. This can be obtained include:

• additional insurance to meet the waiting times, eg for early retirement pensions.
• claims for rehabilitation benefits.
• insurance protection for pensions due to incapacity.
• claim protection for state-sponsored private pensions (Riester pension).

In a minor job with maximum annual income of EUR 400, - € increases and sole contribution payment by the employer, the monthly pension of about € 3.10 . In Mitbezahlung by increasing the monthly pension shall be increased by about 4.10 € . The yield of a higher pension should be part of secondary importance. The priority is to secure above-described claims.

The own contribution is the difference between the current contribution rate to statutory pension insurance (= 19.9%) and the 15% lump contribution of the employer. Ie the missing 4.9% will be increased by the employees. At maximum monthly salary of 400, - € is the € 19.60 fee.

The minimum contribution by the employer and employee is, however, with lower earnings are € 30.85. The employer pays while the 15% of the actual earnings and the employee is the difference in the resulting lack of contributions to carry.