All-round worry-free package: This is how citizens’ money is often presented. The state pays everything. You just have to hold out your hand. You will realize that this is not the case at the latest when you are dependent on help yourself. In this case, for example, you have to think very carefully about which insurance policies you want and can keep. Because the job center does not cover the contributions. These must be covered from the standard rate.
Insurance is not a standard requirement
If you look at the individual standard requirements such as “food”, “transport” or “clothing” that make up the citizen’s allowance, you will quickly notice that the term insurance does not appear there. The closest thing to this is the department labeled “other goods and services”, for which a single is set aside 44.86 euros per month from 2024.
Contributions must be paid yourself
There is the Question “Do I have to pay insurance premiums myself?” quite understandable. It also appears in the FAQ of the Federal Ministry of Labor and Social Affairs (BMAS) on citizens’ benefit. The answer to the question in short form: “And.” That simply means who his If you want to keep private liability, which is considered the most important insurance, you have to cover the premium yourself. It’s only a few euros a month – but it adds up.
Deduct policies from income
Insurance is not included in the standard rate.
“But if you have income, you can deduct contributions for legally required insurance (e.g. motor vehicle liability, building fire insurance) from your income in a proven amount,”
explains the BMAS.
Citizen’s allowance allowances from income
There is also the option of deducting a flat rate of 30 euros per month from other income (not employment income) for appropriate private insurance – household contents policies and private liability insurance are mentioned as examples. If you are an adult in need of citizen’s benefit, no proof is required. If the amount is claimed for minors, insurance must actually be available.
Important: For mini-jobs, the deductible amount is already included in the basic allowance of 100 euros.
Legal basis
This is regulated via Section 6 Paragraph 1 of the Citizens’ Benefits V combined with § 11b Abs. 1 SGB II (deductible amounts).
Image: Kunertus/ shutterstock.com
2023-09-19 15:30:10
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