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German social security
Germany's social security network is one of the best performing social systems in the world. German social security guarantees social security in society. The system offers comprehensive protection, especially for workers and their families.
Social security is based on the principles of communal solidarity
The insured persons' entitlement to benefit is based on their need, not on their individual risks. This means that every insured person contributes to the financing of the social security system according to his (financial) means. In principle, the benefits are the same for all insured parties.
The social security system consists of five pillars:
- Health insurance (KV)
- Nursing care insurance (PV)
- Pension insurance (RV)
- Unemployment insurance (AV)
- Accident insurance (UV)
The five pillars of social security and their functions
Statutory health insurance
Institution: Statutory health insurance funds
Benefits: Payment of the costs for visits to the doctor and hospital treatment, as well as for many medicines and therapies. Health care, ensuring and restoring health through necessary medical assistance, alleviating the consequences of illness, sickness benefit.
Contribution: Employers and employees each contribute equally (a percentage of gross salary) plus an additional contribution from the employee alone.
Statutory nursing care insurance
Institution: Nursing care funds of the statutory health insurance funds
Benefits: Permanent protection and financial Support for people in need of nursing care. Nursing allowance, services in kind, general care and domestic help.
Contribution: Employers and employees each contribute equally (a percentage of gross salary) plus a surcharge for childless employees aged 23 and over.
Statutory pension insurance
Institution: German pension insurance
Benefits: Rehabilitation, pension payment for security in old age and in cases of occupational disability or invalidity. Continued pension payment to surviving dependents in the event of death.
Contribution: Employers and employees each contribute equally (a percentage of gross salary).
Statutory unemployment insurance
Institution: German Federal Employment Agency
Benefits: Support for integration into the labour market, ensuring financial security in the event of unemployment, unemployment benefit.
Contribution: Employers and employees each contribute equally (a percentage of gross salary).
Statutory accident insurance
Institution: Employer‘s liability insurance associations, accident insurance funds.
Benefits: Prevention of accidents at work, Rehabilitation in the event of an accident at work, compensation for accidents at work or occupational illnesses.
Contribution: Paid solely by the employer
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Veröffentlicht am: 19.05.2021 - Zuletzt geändert am: 12.06.2023