Sick pay top-up Financial security in case of prolonged illnessncial security in case of prolonged illness years
What is it about?
It can hit anyone, at any moment: a sudden illness or accident. First of all, health is the most important thing—we do our utmost to avert something worse or to make the situation more bearable. Second most pressing—and unfortunately also underestimated—are the financial losses that can accompany it. If the continued payment of salary ends after 42 days, it can quickly threaten your financial security. This is because you may lose 21% or more of your net salary. We do not leave employees alone in a situation that is already stressful. On the contrary, we protect them by topping up the sick pay they receive from the health insurance fund after the end of salary continuation.
What do I get out of it?
- You have fewer financial worries, but more security. After all, even in a crisis situation, one's livelihood and standard of living are secured.
- Employees get more sick pay, because we top up the sick pay to 90% of the net salary—for up to 36 weeks. Should someone have a monthly gross income of </= 2,800 EUR, there is a subsidy to 100% of the net salary.
- Think this won't affect high earners? The sickness benefit of the statutory health insurance maxes out at about 2,980 EUR net per month.
- Privately insured persons also receive a supplement, provided they can prove a gap in coverage.
- All employees (with the exception of working students or temporary workers) receive the supplement, regardless of their salary.
- In the case of fixed-term employment contracts, the subsidy is paid until the end of the fixed term.