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Presentation on theme: "SOCIAL SECURITY SOCIAL SECURITY In Belgium and Germany."— Presentation transcript:


2 Social security Belgium: a proportion of the gross salary used to: - unemployment benefits - pensions - health Insurance - handicap insurance

3 Social System Germany For the employees its an obligation to be member of the National Insurance. It consists of the  accident insurance,  the annuity insurance,  the health insurance,  the nursing care insurance and  the unemployment insurance

4 Unemployment benefit ~ What? Getting money when you lose your job ~ How? Prove that you are looking for a job ~ Amount of money? Depends on : - previous salary (60%) - family status The longer you are unemployed, the less your benefit is.

5 Unemployment Benefit * To apply for benefits you have to go to the Fund for payment of Unemployment Benefits * Depending on your age you have to be employed a specific length of time to get the benefit.

6 Unemployment Insurance (Germany) It‘s paid by the employees, the employer, the state and other resources -There are two levels of money you get when you are unemployed  Level 1: 60 - 67% of your income in the first year of unemployment  Level 2: about 360 Euros per month after one year of unemployment

7 Pension = The money you receive when you are retired Germany Belgium Retirement 67 year65 year Age Early retirement65 year60 year Age

8 Annuity Insurance (Pension) It has to be paid by the employee and the employer to the same extent  It makes sure that a retired person has no financial problems  if your partner dies you get a certain amount of the pension  If necessary the state pays a part of the pension

9 Health Insurance = how to cover you medical expenses * All employees and self-employed people in Belgium must contribute to a health insurance fund. * Amount of money? 7,35% of your gross salary

10 Health Insurance (Germany)  Every member has to pay premiums  The extent of the premiums depends on the financial capacity of the member  The amount of premiums that has to be paid is shared equally between employee and employer  This ensures the necessary medical help in case of illness

11 Handicap in Belgium Does a disabled person get benefits? Income replacement allowance  when they are not able to work Integration allowance  improving the day-to-day life

12 Nursing Care Insurance (Germany)  Half of the premiums has to be paid by the employees and the employer and the other half is being paid by the government  People without children have to pay more for this insurance due to the fact, that the care can’t take place within the family  The insurance doesn’t cover the full amount of costs for the nursing care, it’s meant as an aiding rescue to minimize the financial risk of care

13 Accident Insurance (Germany) -It is paid by the employers. The insured employees don‘t have to pay anything for this insurance. -The insurance covers the costs for medical treatment which is caused  by the accident at work  due to working conditions  by accidents you have on the way to your job

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