Daily sick pay: Protect your income in the event of illness!

Daily sick pay: Protect your income in the event of illness!

In the event of illness, employees in Germany have a clear right to protection of their financial stability. Employers are legally obliged to continue paying salaries in full for a period of six weeks. This regulation protects those affected in an initial phase before the statutory health insurance takes over.

After these six weeks, sick pay will be paid out. According to the regulations, the insured person receives 70 percent of his gross salary, but a maximum of 90 percent of his net income, whichever is lower. With a gross income of 3,000 euros, the sick pay would be around 1,900 euros, which after deduction of social security contributions amounts to around 1,650 euros. However, these payments are limited to a maximum of 72 weeks within three years and are subject to the regulations of the Social Security Code (SGB).

Daily sickness benefit insurance as a supplement

In order to minimize the financial losses that arise between salary and sick pay, daily sick pay insurance is an option. This insurance is particularly important for people who have no reserves to independently compensate for loss of income. Self-employed people and freelancers should definitely take out this insurance as they will not receive any wages from their employer in the first six weeks of their inability to work.

For those with private insurance, they also do not receive sick pay from the statutory health insurance company. It is therefore advisable for you to include daily sick pay in your insurance contract. The daily sickness benefit is paid out depending on the tariff and usually ends in the event of occupational or incapacity. In all cases, a doctor's note is required to receive benefits.

Regulations and exceptions to sick pay payments

The framework conditions for sick pay are clearly defined. Those entitled to benefits must ensure that the illness is reported to the health insurance company within a week; otherwise the claim is suspended. Under certain conditions, such as during parental leave, while receiving unemployment benefit or maternity benefit, the entitlement is also suspended.

Another important aspect is that the legal regulations can vary depending on the individual situation. Self-employed people have the opportunity to protect themselves against loss of income through optional tariffs offered by statutory health insurance companies. Sickness benefits can also be reduced under certain circumstances, for example when receiving old-age pensions or partial pensions, which makes the decision to take out additional daily sickness benefit insurance all the more important. The principle that all payments are tied to a valid sick note applies.

Overall, it shows that daily sickness benefit insurance can be a useful supplement to statutory sick pay. It is particularly important for self-employed people and those with private insurance to take out insurance early on in order to minimize financial losses in the event of illness. In this regard has daily news important information provided through the comprehensive explanations Health Insurance.net be supplemented. Proper preparation for possible illnesses is the key to a financially secure future.