Living at the MDC and Berlin-Buch

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7 Social Security and Accident Insurance Seite 28 von 36 7.1.4 CARE INSURANCE The long-term care insurance takes effect when you need regular care at home (because of age or handicap). It is a compulsory insurance, which is concluded in combination with the health insurance. The contribution is about 1.95 % of the gross salary. Even if you have a private German health insurance you are obliged to carry long-term care insurance coverage. Get more information at: www.pflege-deutschland.de/pflegeversicherung.html or other guides. 7.2 Pension Scheme As an employee you have to pay contributions to the pension scheme ("Rentenversicherung") in Germany. The contributions amount to 19.9 % of the gross salary. Your payments to the pension scheme are recognised in each EU and EEA country as well as in the countries with social security agreements and your claims will be preserved. This means that at the age of retirement you may apply for part of your pension in each of the countries where you have paid into the pension scheme. Therefore, if you have paid contributions to, for example, the pension schemes in Germany, France and Greece, you will get a part of your pension from each of these countries. Thus, the pension payments will not be transferred to another national pension scheme but you will get your money from each pension scheme separately depending on the laws of each country. When you apply for pension payments at home, you have to indicate that you have paid pension contributions in other countries. This is necessary to ensure that your home insurance organisation can inform the other pension organisations in order for you to receive your payments from the other country. Since payments for a certain number of years are required by the pension organisation in your home country, any time spent abroad is taken into consideration. When, after your stay in Germany, you return to a country without a social security agreement you may claim reimbursement of your contributions. After a waiting time of 24 monthes you can apply for the reimbursement at the Deutsche Rentenversicherung Bund (Address s. Table 2). In this case you should inform your host institute because it can claim its part of the contributions as well, for the question whether you are entitled to pension payments or whether you get refunds does not depend on your nationality but on the country you are staying in (principle of territory). For example, if you are a Polish citizen and you return to Poland you are entitled to pension payments from Germany. But if you are a Polish citizen but a resident of Hungary, you are entitled to a reimbursement of your contributions. You will have to complete Form “V900”, available at: www.deutsche-rentenversicherung.de/ 7.3 Unemployment Insurance The unemployment insurance is a compulsory insurance as well. The contributions amount to about 3.0 % of the gross salary. You may claim unemployment benefit (Arbeitslosengeld) if you have been employed and paid contributions in Germany for at least 12 months within the last three years. Employments before within other EC-contries may possibly consider. You will have to prove this by completing a form (Nr. E301.) If you are unemployed and want to claim 28
7 Social Security and Accident Insurance Seite 29 von 36 unemployment benefit in Germany you have to register with the local job center (Arbeitsamt) three months before your contract ends and be at its disposal for arranging employment, which means that you should be willing to take up any reasonable job and that you have to report to the office regularly. In case these requirements are fulfilled, you will receive 60% of your last net salary if you do not have children and 67% if you have children (Arbeitslosengeld I). You will receive earnings-related unemployment benefit for at least 180 days depending on the contributions you’ve paid. After that you can apply for unemployment assistance (Arbeitslosengeld II) the amount of which is related to your needs, which means that your savings and the income of your spouse will be taken into account. Of course, you can only apply for unemployment benefit in Germany if you have a valid residence and work permit. But after the end of the fellowship this usually only applies to EU- and EEA-citizens. Under certain circumstances you can transfer your claims for unemployment benefit to another EU or EEA member state (or a country with social security agreement): For that you must have been registered with the German job center for at least 4 weeks prior to your departure. After your arrival in the country of your destination, you have to register with the local job center within 7 days. After fulfilling these requirements you will get German unemployment benefit for another three months (ask for form number E 303 at the German job center). Depending on the respective country, the contributions you made in Germany may be taken into account by the country's unemployment insurance. If you return to a country that does not have a social security agreement with Germany, it is not possible to receive German unemployment payments there. The contributions cannot be refunded either. 7.4 VBL VBL (Versorungsanstalt des Bundes und der Länder) provides a supplementary occupational pension for public sector employees in Germany. The contributions amount to 4% of your gross salary. Your employer pays half. Basicly, VBLklassik is compulsory for all employees of the Federal Government and Länder and a large number of municipal and church employers, and also for MDC staff. Alternatively, employees working in scientific positions in academia or research can be exempted fro the compulsory VBLklassik insurance if they are expected to work less then 60 months in German public service sector. If this applies to you and you have declared the exemption form VBLklassik (forms will be handed out by the personnel department) you will be automatically enrolled in the voluntary VBLextra instead. Conditions are the same but you do not have to have accrued 60 months of contributions to get benefit of it once you will retire. Contact: www.vbl.de 7.5 Accident Insurance Accident insurance is paid by the employer and covers accidents that occur at work or on your way from and to work. Even if you have no contract with the MDC and are just registered as a guest you are covered by the accident insurance of the MDC. Any such accident has to be reported to the responsible for foreign guests, Sylvia Sibilak or to our security engineer, Dr. Regina Dietl, MDH, room 5025, 3797 immediately. 29
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Page 3 and 4: Table of Contents Seite 3 von 36 8.
Page 5 and 6: 2 Living in Germany Seite 5 von 36
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Page 19 and 20: 5. Enjoying Life in Berlin Seite 19
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Page 23 and 24: 6 Taxes Seite 23 von 36 6.1 Income
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Page 33 and 34: 9. Telephone Numbers, Contacts and
Page 35 and 36: 10 Bibliography Seite 35 von 36 10

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