The result in the sum is equally disappointing and worrisome: while the increase of the assets at any time is the focus of most self-employed workers, applied only up to five percent of their assets directly in a retirement. So it is little wonder, then, that the Federal Government would commit self-employed for eradicating this emergency pension. According to a key issues paper of the fact, freelancers from 2013 must demonstrably operate a private old-age provision, for example, in the form of life insurance, a private pension insurance or a Rurup pension. With a high degree of freedom, as well as generous should the self-employed within the scheme Transitional periods will be granted. Should those affected by this ability do not use, they automatically compulsorily in the statutory pension insurance. The mandatory private old-age provision should ensure that the private supplementary pension above the level of the basic scheme is. This would currently spend each month about 250 to 300 euro plus disability pension according to the information of the Ministry at around 45 years of contribution. Validity will be the new regime for all self-employed persons, who are under 30 years of age at entry into force of the Act.

The regulations are weakened for self-employed persons aged between 30 and 50 years, 50 years and low earning self-employed persons with an income of less than 400 euros a month remain excluded from the new law. Architects, doctors and lawyers in professional supply works, as well as members of the Kunstlersozialkasse are also not affected. In its current form, the new regime would have a serious drawback. Boy Founders, who often don’t have the financial resources in the first years of independence, to regularly bring up the above amounts, could be faced with existential problems. Here, that economic and innovation site Germany in the long run could suffer from a decline in self-employment in particular creative young people risk without repair of the legislation entirely. A gradual pre-accession of the young entrepreneurs of private pension plans would be advisable in the first years.

The direction of the law advance but positive is basically. The obligation to build up a pension can poverty protect”, says the Managing Director of JuMFinanz UG (haftungsbeschrankt), Marco Otter leg. About insurance insurance, a company of JuMFinanz UG (limited liability) has based in Marburg. On its Internet portal, it offers basic information on the following topics: Riester pension, Rurup pension (basic pension), post-employment benefits, Sofortrente and payout plan, life insurance and pension, unit-linked life insurance and unit-linked pension insurance, British life insurance and British pension insurance, disability insurance and invalidity insurance, private health insurance.

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