Since taking office in March, the Grand Coalition (GroKo) has initiated numerous changes in health, care and work. All in all, the adjustments from 2019 initially lead to lower social security contributions for employees. In the long term, however, it could be more expensive, especially in terms of care.
- With lower contributions to the unemployment and health insurance GroKo wants to relieve the citizens more.
- However, the potential savings are lower than hoped.
- Especially when it comes to caring, workers will soon have to dig deeper into their pockets.
Relieving citizens is one of the main goals of the Grand Coalition. This is exactly what the relevant ministries are trying to implement quickly. For example, the Federal Cabinet has already passed the Insurance Relief Act of Health Minister Jens Spahn (CDU). This should bring financial relief, especially for cash-desk patients.
Labor Minister Hubertus Heil (SPD) also wants to lose no time and has already announced two extensive pension packages and further relief for employees. With the projects of the two ministers , starting in 2019, social security contribution rates will change . While workers have to spend less on their income for health and unemployment insurance, higher levels of care are at risk.
Parity funding: Lower contribution to cash-desk patients
Statutory health insurance companies will have fewer deductions from their gross salary from January 2019. Because with the insured relief law Minister of Health Spahn has ensured that employers participate in future in the full health insurance contribution . So far, they take only 50 percent of the base contribution, while employees carry the individual cash contribution contribution alone. This amounts to up to 1.7 percent of the income.
For example, a 30-year-old married man with a gross monthly salary of 3,000 euros, whose health insurance fund makes an additional contribution of 1.0 percent, will only have to pay 7.8 percent instead of 8.3 percent of his income for health protection. From his salary will be deducted from January 2019 monthly 234 euros for the health insurance. Currently, the cash contribution for him is 249 euros a month.
Lower social security contributions: Unemployment insurance could become cheaper
In addition to the Minister of Health and Labor Minister Heil also strives for some innovations. He wants to reduce the contribution to unemployment insurance as quickly as possible. Employees will pay 2.7 percent instead of the current 3.0 percent of their income for the future. The employer bears half of the costs. Originally, the change should take effect from July 2018, now it could probably enter into force from January 2019.
For the 30-year example insured this would mean that he will pay only 40.50 euros instead of 45 euros per month for the unemployment insurance. Together with the lower health insurance contribution, his social security contributions from 2019 would therefore reduce by just under 20 euros a month .
Care contribution should increase from 2019
Unlike health, pension and unemployment insurance, statutory long-term care insurance is likely to be more expensive in the future. The Minister of Health has announced that he will increase contributions by 0.3 percentage points from January 2019 . Thus, workers with children would soon have to give 2.85 percent of their gross income to the care fund. Since half of the costs are borne by the employer, employees would soon pay 1.425 percent instead of the previous 1.275 percent.
The care contribution for a 30-year-old with a gross income of 3,000 euros thus rises by 4.50 euros to 42.75 euros. So, the bottom line is that the new contribution rates in social security leave him with a saving of around 15 euros.
Too little money for the care
Despite many improvements over the last few years, many people can hardly afford the cost of care. Because the money from the nursing care only covers a part of it. It is therefore all the more important to secure yourself with a private long-term care insurance according to your individual wishes.
Improvements in care are becoming expensive for citizens
Spahn’s predecessor Hermann Gröhe (CDU) had originally announced that he would not want to adjust the contribution to long-term care insurance until 2020. The planned premature increase is justified by the new Minister of Health with the fact that in the care insurance more money is needed to counteract the existing care crisis. Among other things, he wants to contribute by creating 13,000 nursing jobs by the New Year. In addition, the minister plans a reform of nursing education and a better pay for nurses.
After the adjustment , the care contribution should remain stable until 2022 . The SPD nursing expert Karl Lauterbach sees this, however, critical. He expects in the meantime with new increases in view of the further planned improvements.