What does social security pay for

Service portal Baden-Wuerttemberg

Health insurance

You are free to choose your health insurance company. Membership in a health insurance company does not depend on the profession or the industry. The contributions to the health insurance are deducted directly from your wages.

If your monthly salary is above the compulsory insurance limit of 45,062.50 euros, you do not have to remain in the statutory health insurance, but can become a member of a private health insurance company.

The statutory health insurance companies offer services for preventive health care, medical treatment, sick pay, dentures and medical rehabilitation.

In the event of illness, the employer continues to pay the wages for the first six weeks. If the illness lasts longer than six weeks, the payments will be made by the health insurance company.

The prerequisites and the extent to which the statutory health insurance company provides services for you are stipulated by law and are therefore the same for all health insurance companies. For some services, the scope of services is partly different according to the statutes of the individual health insurance companies, for example for health promotion, domestic help.

care insurance

The social long-term care insurance grants benefits in the event of need for long-term care, the existence of which is checked by the medical service. Responsible are the long-term care insurance funds set up by the statutory health insurances, which provide their insured with comprehensive advice on all matters relating to long-term care insurance and ensure that their care is guaranteed.

Accident insurance

All employees are insured against accidents by law, regardless of the amount of their wages. Accident insurance reduces the financial consequences of accidents at work or occupational diseases and offers both prevention (prevention of accidents) and medical treatment, participation in working life, injury benefits and pensions.

You are generally insured during work and on the way to and from work. The employer pays the accident insurance contributions alone.

Pension insurance

In the statutory pension insurance, a distinction is made between those with compulsory insurance, those with voluntary insurance, those with subsequent insurance and those with entitlements from a pension equalization after a divorce or from a pension splitting between spouses.

Note: Former civil servants, judges, contract and professional soldiers who have withdrawn from an insurance-free employment without pension entitlements are reinsured.

In principle, all employees who are paid or for their vocational training are subject to compulsory insurance. In addition to this numerically largest group, some self-employed and other insured persons are also required to take out insurance. Other insured persons include, for example, mothers or fathers while they are raising children.

The benefits of the statutory pension insurance are essentially benefits for maintaining, improving and restoring the ability to work (e.g. medical rehabilitation measures, benefits for participation in working life) as well as pension payments (e.g. old-age, reduced earning capacity and survivors' pensions).

The amount of a pension depends primarily on the amount of wages and earnings insured through contributions during the insurance life.

unemployment insurance

The aim of unemployment insurance is to protect against unemployment and the financial effects of unemployment.

Employees who have paid, more than marginal employment as well as persons who are employed for their vocational training must take out unemployment insurance. This also applies to groups of people such as those doing military service, prisoners, parents or people on nursing leave. Civil servants, soldiers or people who have reached the age of four to be entitled to a regular old-age pension do not have to take out insurance. Self-employed persons, carers and employees who are employed outside the EU also do not have to take out unemployment insurance. Under certain conditions, however, they can take out voluntary insurance.

Unemployment insurance is financed equally through contributions from employers and employees. The contribution rate is:

  • from January 1, 2019 to 2022 2.5 percent and
  • from 2023 expected to be 2.6 percent.

For detailed information on social security, please contact your social security agency directly.