The social security system in Germany
In Germany the majority of all people is protected against the great risks of the life by a unique social security system. The basic appearance for that was already already more than 130 years ago with an efficient social system put and is legal were anchored. The services of the social security are financed through contributions of the insurance carriers and not through taxes, to control the insureds still better that makes the state possible. Social securities are not borne by state authorities, but of public- legal corporations. In Germany the social securities are divided into several sections, the legal health insurance, the legal annuity contract, unemployment insurance, care insurance and the personal accident insurance belong to them.
The preoccupation of the legal health insurance withstands the health of the persons in that keep, to improve or to restore. With the insurance one would like to reach that one is protected in the illness without financial risk however also for provision and early recognition measure names it takes over a big part all pending costs. To become the contributions for the legal health insurance according to specific contribution design principles of the Gross Salary- or calculated wage and financed by the employee and employer in different parts.
The legal health insurance is for persons which ones do not climb over the insurance border on a long-term basis. To lie for persons that one about the design principle or selfcontinuously active are, there are private health insurances, these are considerably higher in the contribution.
The social security is divided furthermore into the legal annuity contract, this is paid by the employee and employer to same parts, the height of the insurance premium is directed itself in this case towards the height of the gross salary of the employee and it is in percent stipulated. The annuity contract is a precautionary insurance and is used for the pension fund after the employee withdrew from the working life, that happens either through reach the retirement age's or disablement necessitated by reduced or total illness. But the annuity contract also comes into force, to protect in the case of death of the spouse around the insured through this pension.
The unemployment insurance which there is already since 1927 in Germany is a further important compulsory insurance. This social security in the form of the unemployment insurance serves Unemployed Persons to facilitating an income or comes into force also in the case of short work kicked in. Paid that one will go from all employees the insurance premium according to a paid work. Employees of an insignificant employment form exceptions in this case. The height of the unemployment insurance is in percent defined and is in Germany 2 % which are paid by employee and employer to same parts. The care insurance integrates itself into the social security as a recent, independent branch. There is this insurance since 1995th it was stipulated around the costs at the kick in the care need of persons protect. So the care degree of the person to be nursed is defined and the members can decide, which form of the care, they favor.
Whether they take over the care itself and get nursing allowance or qualified however the care of itinerant or stationary to made nursing staff be taken over. For these cases as well as also costs for care aids and for measures improving Wohnumfeld there is this care insurance. The last one of the social securities is a personal accident insurance, this insurance is to be paid only from the employer and it is used for the complete safeguard of the insureds in the case of accidents at the job or on the way to the work as well as with occupational illnesses. The height these contributions the legal personal accident insurance deal more than one apportionment traced and influenced from the accident risk of the different professional sections. Also children in day facilities and schools enjoy this insurance cover.