What kind of social benefits Germany offers?

Germany has a well-developed social welfare system that provides a wide range of benefits to its citizens.

Here are some of the most significant benefits:

1. Health Insurance: Germany has a universal healthcare system, and everyone who lives or works in Germany must have health insurance. There are two types of health insurance: statutory health insurance (public health insurance) and private health insurance. The public health insurance is mandatory for most people with income below a certain threshold, and it covers a wide range of medical treatments.
2. Unemployment Benefits: If you lose your job, you may be eligible for unemployment benefits. The amount and duration of the benefits depend on your previous earnings and the length of your employment. The unemployment benefits cover a portion of your previous income and can last for up to two years.
3. Pension: The German pension system is based on a pay-as-you-go system. The pension benefits are funded by contributions from employees and employers, and the government provides additional funding. The amount of the pension benefit depends on the number of years you have contributed to the system and your previous earnings.
4. Child Benefit: The child benefit (Kindergeld) is a monthly payment to parents for each child under 18 years of age. The amount of the benefit depends on the number of children in the family and their age.
5. Housing Benefits: Low-income families and individuals can receive housing benefits to help cover their housing costs. The amount of the benefit depends on the person’s income, family size, and housing costs.
6. Maternity Leave: New mothers are entitled to maternity leave of up to 14 weeks. During this time, they receive a portion of their previous income as a maternity allowance.
7. Disability Benefits: If you have a disability that prevents you from working, you may be eligible for disability benefits. The amount of the benefit depends on the severity of the disability and the person’s previous income.

These are just a few examples of the many social benefits that are available in Germany. The German social welfare system is designed to provide a safety net for its citizens and ensure that everyone has access to basic necessities such as healthcare, housing, and income support.

How much this insurances are paying per person?

1. Health Insurance: As I mentioned earlier, Germany has a universal healthcare system, and everyone who lives or works in Germany must have health insurance. The public health insurance is mandatory for most people with income below a certain threshold, and it covers a wide range of medical treatments. The cost of the public health insurance is shared between the employer and the employee, with the employee typically paying around 7.3% of their gross income and the employer contributing the rest.
2. Unemployment Benefits: If you lose your job, you may be eligible for unemployment benefits. The amount and duration of the benefits depend on your previous earnings and the length of your employment. The unemployment benefits cover a portion of your previous income and can last for up to two years. The amount of the unemployment benefit depends on the previous income, but typically it’s around 60% of the previous net income for the first 12 months, and then 50% of the previous net income for the remaining period.
3. Pension: The German pension system is based on a pay-as-you-go system. The pension benefits are funded by contributions from employees and employers, and the government provides additional funding. The amount of the pension benefit depends on the number of years you have contributed to the system and your previous earnings. The average pension payment in Germany is around €1,100 per month. However, the actual amount of the pension benefit can vary greatly depending on individual circumstances.
4. Child Benefit: The child benefit (Kindergeld) is a monthly payment to parents for each child under 18 years of age. The amount of the benefit depends on the number of children in the family and their age. Currently, the monthly child benefit in Germany is €219 for the first child, €225 for the second child, €250 for the third child, and €275 for each additional child.
5. Housing Benefits: Low-income families and individuals can receive housing benefits to help cover their housing costs. The amount of the benefit depends on the person’s income, family size, and housing costs. The maximum amount of the housing benefit varies depending on the individual circumstances but can be up to €859 per month.
6. Maternity Leave: New mothers are entitled to maternity leave of up to 14 weeks. During this time, they receive a portion of their previous income as a maternity allowance. The amount of the allowance is 100% of the mother’s net income, up to a maximum of €2,052 per month.
7. Disability Benefits: If you have a disability that prevents you from working, you may be eligible for disability benefits. The amount of the benefit depends on the severity of the disability and the person’s previous income. The amount of the disability benefit can vary greatly depending on individual circumstances, but it typically ranges from €800 to €1,600 per month.

It’s important to note that the amounts listed here are just general guidelines, and the actual amount of the benefit may vary depending on individual circumstances. Additionally, some benefits may have eligibility requirements and may not be available to everyone.

How much of the wage i have to spend every month for this insurances?

The amount of money you have to spend every month for social insurances in Germany varies depending on the specific type of insurance and your income.

Here are some general guidelines:

1. Health Insurance: If you are employed in Germany, you will have to pay half of the monthly health insurance premium, and your employer will pay the other half. The premium is calculated based on your gross income and the type of insurance you have. The average contribution rate for public health insurance is around 14.6% of your gross income. For example, if your gross income is €3,000 per month, you would have to pay around €438 per month for health insurance.
2. Unemployment Insurance: If you are employed, you will automatically be enrolled in the unemployment insurance program, and your employer will deduct the contribution from your salary. The contribution rate is currently 2.4% of your gross income, with a maximum contribution limit of €166.67 per month. For example, if your gross income is €3,000 per month, you would have to pay €72 per month for unemployment insurance.
3. Pension Insurance: If you are employed, you will automatically be enrolled in the pension insurance program, and your employer will deduct the contribution from your salary. The contribution rate is currently 18.6% of your gross income, with half paid by the employee and half paid by the employer. For example, if your gross income is €3,000 per month, you would have to pay €279 per month for pension insurance.
4. Long-term Care Insurance: Long-term care insurance is also mandatory for everyone who is employed in Germany. The contribution rate is currently 3.05% of your gross income, with half paid by the employee and half paid by the employer. For example, if your gross income is €3,000 per month, you would have to pay €45.75 per month for long-term care insurance.

It’s important to note that these are just general guidelines, and the actual amount you have to pay may vary depending on individual circumstances. Additionally, if you are self-employed, the contribution rates may be different, and you may have to pay the entire amount yourself.

Which other official benefits i can ask for especially when i earn a lower wage?

If you earn a low wage or have a low income, there are several federal benefits you may be eligible for in Germany.

Here are some of them:

1. Housing Benefits: Housing benefits (Wohngeld) can help low-income individuals and families with their housing costs, including rent or mortgage payments, utilities, and other related expenses. The amount of the benefit depends on your income, family size, and housing costs. To qualify for housing benefits, you must be a German resident or have a valid residence permit, and your housing costs must not exceed a certain limit. You can apply for housing benefits at your local housing authority or city administration office.
2. Basic Income Support: Basic income support (Grundsicherung) is a social benefit for people who have no or very low income, including pensioners, disabled people, and unemployed individuals. The benefit provides a minimum level of income to cover basic living expenses, including food, clothing, and shelter. To qualify for basic income support, you must be a German resident or have a valid residence permit, and your income and assets must not exceed certain limits. You can apply for basic income support at your local social welfare office (Sozialamt).
3. Child Benefit: Child benefit (Kindergeld) is a monthly payment to parents for each child under the age of 18. The amount of the benefit depends on the number of children in the family and their age. Currently, the monthly child benefit in Germany is €219 for the first child, €225 for the second child, €250 for the third child, and €275 for each additional child. To qualify for child benefit, you must be a German resident or have a valid residence permit, and the child must be living with you in Germany.
4. Social Rent: Social rent (Sozialmietwohnungen) is a government-subsidized housing program that provides affordable rental housing to low-income individuals and families. Social rent apartments are available through housing associations and local government agencies, and the rent is based on your income and family size. To qualify for social rent, you must be a German resident or have a valid residence permit, and your income must not exceed certain limits.
5. Free School Meals: Free school meals (Schulverpflegung) are available to low-income families with school-aged children. The program provides a free or subsidized breakfast, lunch, or snacks to children who attend school or daycare. To qualify for free school meals, your income must not exceed certain limits, and you must apply for the program through your child’s school or daycare.

These are just some of the federal benefits available in Germany for low-income individuals and families. The eligibility criteria and application processes for each benefit may vary, so it’s a good idea to research the specific requirements and contact the relevant government agencies for more information.

Which other benefits i can take advantage of in Germany when its about daily living?

There are several other benefits and programs in Germany that you may be able to take advantage of, depending on your individual circumstances.

Here are a few examples:

1. Energy Assistance: The German government offers several programs to help low-income households with their energy bills. The Energy Assistance Program (Energieberatung) provides free energy audits and advice on how to reduce your energy consumption and costs. The Energy Transition Allowance (Energie­wende­beitrag) is a financial support program for low-income households to help cover their energy costs. Additionally, there are various energy-saving measures and renewable energy incentives available, such as grants and tax credits for home insulation, solar panels, and other energy-efficient upgrades.
2. Electric Vehicle Incentives: If you own an electric vehicle or are planning to buy one, you may be eligible for certain incentives and benefits in Germany. The government offers a purchase incentive (Umweltbonus) of up to €9,000 for electric cars and up to €7,500 for plug-in hybrid cars. There are also tax benefits and exemptions, such as reduced or waived motor vehicle taxes and reduced VAT rates for electric cars.
3. Education and Training Programs: If you are looking to improve your skills or education, there are several programs and initiatives in Germany that can help. The Jobcenter and Employment Agency offer vocational training and education programs for unemployed and low-income individuals. There are also apprenticeship programs and vocational schools that provide on-the-job training and qualifications for various professions. Additionally, many universities and colleges offer tuition-free programs for both German and international students.
4. Culture and Leisure Benefits: Germany has a rich cultural and leisure scene, and there are several benefits and programs that can help you access it. For example, there are discount and reduced-price tickets for cultural events, such as museums, concerts, and theaters, available to low-income individuals and families. Additionally, many cities and municipalities offer free or low-cost leisure activities, such as sports clubs, community centers, and parks.

These are just a few examples of the benefits and programs available in Germany. The eligibility criteria and application processes may vary, so it’s a good idea to research the specific requirements and contact the relevant government agencies or organizations for more information.

And are is there some special help for newly arrived foreigners in Germany?

Yes, there are several programs and initiatives in Germany that offer special help for new starting foreigners.

Here are a few examples:

1. Integration Courses: Integration courses (Integrationskurse) are designed to help foreigners learn German and become familiar with German culture and society. The courses are available to non-EU citizens and refugees, and they cover topics such as language, history, politics, and everyday life in Germany. The courses are partially subsidized by the German government, and the cost for participants is based on their income level.
2. Recognition of Foreign Qualifications: If you have qualifications from your home country, such as a degree or professional certification, you may be able to have them recognized in Germany. The process of recognition can be complicated, but there are several initiatives and support programs available to help foreigners navigate the process. The Federal Recognition Act (BQFG) provides a legal framework for the recognition of foreign qualifications, and the Federal Office for Migration and Refugees (BAMF) offers guidance and assistance.
3. Job Placement and Training: The Jobcenter and Employment Agency offer job placement and training programs for both German citizens and foreigners. The programs are designed to help individuals find employment and acquire the skills and qualifications they need for their desired career. The Employment Agency also provides financial assistance, such as unemployment benefits and training allowances, to eligible participants.
4. Language and Cultural Exchange Programs: There are several language and cultural exchange programs available in Germany that allow foreigners to improve their German skills and meet local residents. Programs such as Tandem and Meet-a-German connect foreigners with German-speaking partners for language practice and cultural exchange.
5. Mentorship Programs: There are several mentorship programs available in Germany that provide guidance and support to foreigners who are new to the country. Programs such as the Welcome Mentorship Program connect newcomers with local mentors who can help them navigate the cultural and social aspects of life in Germany.

These are just a few examples of the programs and initiatives available to help new starting foreigners in Germany. The eligibility criteria and application processes may vary, so it’s a good idea to research the specific requirements and contact the relevant government agencies or organizations for more information.

Where can i ask for all of this benefits?

The specific places where you can apply for benefits in Germany may vary depending on the type of benefit and your individual circumstances. Here are some general guidelines for where to start:

1. Jobcenter and Employment Agency: If you are unemployed or have a low income, you can apply for benefits such as unemployment benefits, housing assistance, and training programs through the Jobcenter or Employment Agency. You can find the nearest Jobcenter or Employment Agency office by visiting their websites or by contacting the Federal Employment Agency (Bundesagentur für Arbeit).
2. Social Welfare Office: If you have a disability or are unable to work due to health issues, you may be eligible for benefits such as disability pensions and assistance with daily living. You can apply for these benefits through your local social welfare office (Sozialamt).
3. Immigration Office: If you are a non-EU citizen or refugee, you may be able to apply for benefits such as integration courses and language classes through your local immigration office (Ausländerbehörde) or the Federal Office for Migration and Refugees (Bundesamt für Migration und Flüchtlinge).
4. Energy Assistance Programs: If you need help with your energy bills, you can apply for assistance through your energy provider or through the Energy Transition Allowance program (Energie­wende­beitrag). You can also get advice on energy-saving measures through the Energy Assistance Program (Energieberatung).
5. Culture and Leisure Benefits: If you are interested in accessing discounts and reduced-price tickets for cultural events, you can check with the specific cultural institutions or events to see what discounts are available. Additionally, your local city or municipality may offer free or low-cost leisure activities, such as sports clubs and community centers.

These are just a few examples of where you can apply for benefits in Germany. It’s important to research the specific eligibility criteria and application processes for the benefits you are interested in and to contact the relevant government agencies or organizations for more information.