What should every parent know
Parental allowance: you should know that
Frequently asked questions about parental allowance
Parental allowance could be that simple, but it is often not. Like so many bureaucratic processes in Germany, you have to be well informed and act in good time so that you can get as much government support as possible and the state will not surprise you later with a repayment request. Below we have collected a few more questions that are often asked in relation to the subject of parental allowance.
What is the difference between (basic) parental allowance and ElterngeldPlus?
In short, the ElterngeldPlus is intended for parents who return to the part time jobs want to get in. Then the parental allowance can namely the double the number of reference months can be obtained (a maximum of 28 months, with a partnership bonus even up to 36 months). If one parent works up to 30 hours a week but receives the basic parental allowance, they have to count the net earnings against the parental allowance - there is simply less parental allowance from the state. With ElterngeldPlus, however, the state “increases” your income based on the difference to your previous earnings (65% of net earnings) if, for example, you were still working full-time before the child was born. The consequence: More money a month!
For both models there is Lower and upper limits: The monthly basic parental allowance is between EUR 300 and EUR 1,800 (1 reference month). The monthly ElterngeldPlus is 150 to 900 euros (1 month of payment).
The decision between basic parental allowance and parental allowance plus is usually based on the Ask how early you want to go back to work. Anyone who takes into account the differences between the models and includes both types of parental allowance in their planning is well on the way to making optimal use of the subsidies from the state.
What is the partnership bonus?
The partnership bonus means 4 months longer period of parental allowance (with ElterngeldPlus up to 8 months). However, parents can only apply for this bonus if all parents work 25-30 hours a week for at least 4 months of the child's life.
Can you combine the parental allowance models?
Basically yes. For many parents, it makes sense to switch from basic parental allowance to ElterngeldPlus, e.g. if one parent goes back to work part-time. More and more often, mothers and fathers take turns who stays at home and who goes to work. It is best if parents create a "Timetable”For the first few years after the birth of the child and thus effectively plan how they“ use ”the reference months of parental allowance. Your parental allowance office and other relevant authorities are available to advise you.
Do the self-employed receive parental allowance?
Yes, Of course, the state also encourages the self-employed. When calculating the reference, however, there are a few special features. The basis for the calculation is the profit from the last completed assessment period before the birth. You also need the corresponding tax assessment. The parental allowance office then calculates the monthly amount available. If you earn money as a self-employed person while receiving parental allowance, you have to send this money via Income and surplus accounting credit. Here too, ElterngeldPlus is often more worthwhile. Because the Conditions for every self-employed person vary greatly We recommend going to the parental allowance office early in order to receive individual advice.
What can go wrong when applying for parental allowance?
The greatest danger comes from wrong information upon application and from Do not know out. Worse still: Deliberately false or concealed information could result in severe fines. In very few cases (expectant) parents try to outsmart the system, but all the more often fall into one or the other trap due to imprudence or misinformation.
As with many administrative procedures in Germany, the following applies: Prevention is better than aftercare. It is better to check two or three times that you a) have all the applications and documents together, b) do not miss the three-month deadline after the birth of your child and c) all the information in the application form is complete and correct. If you are unsure, it is better to ask your parental allowance office again before submitting your application and they will explain everything to you in detail.
What is the difference between child benefit and parental benefit?
Parental allowance is the funding from the state that parents are entitled to 14-36 months after the birth of the child. This assistance is intended to to ensure the livelihood of the family and the care and upbringing of the newborn. The net income, the model and other factors are essential for the length and amount of the benefit.
Child benefit is a social benefit provided by the family benefits. This service serves the purpose of To secure basic services for the child. Child benefit must can be applied for separately from parental allowance. The amount of this benefit depends on how many children you have and is between one monthly amount from 192 euros to 223 euros. You will receive child benefit from the birth of your child at the earliest; However, you can wait up to and including your 18th birthday to apply for child benefit (the money is only paid retrospectively, limited to 4 years). Child benefit is paid out until your child turns 25.
In summary: Parental allowance is available from the state for 14-36 months of life, depending on net income, choice of model and other factors. Child benefit is a lump sum that is paid out by the family benefits office per child for up to 25 years.
How am I insured during the period when I receive parental allowance?
As before. Regardless of whether you had private or statutory health insurance before the birth of the child: Nothing changes in the type of health insurance. However, the monthly contributions may change. It is best to find out more from your health insurance company and consider changing your health insurance provider if your monthly premium increases significantly.
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