As in VM 12/09, the 14th part of the series deals with errors of so-called citizen relief calculators.
Unfortunately, there are many errors in the calculators for the Citizens’ Relief Act (BEG). So even civil servants who claim not to pay health insurance contributions get tax savings!
In the first example (right-hand mask), the unmarried civil servant without his own health and long-term care insurance contributions surprisingly receives over 300 euros a year in tax relief.
On closer inspection, he is granted 2,662.50 euros in deductible contributions for health and long-term care insurance in the sample calculation – civil servant-friendly, but not in accordance with the law.
In the three other examples (see graphs on the left and below), the data of an employee are entered into three BEG calculators – with the result that the results (the tax relief) differ between 480 and 770 Euros.
In addition to a correct forecast of the savings for 2010, those for the following years would also be interesting in order to enable investment decisions to be made for better old-age provision over the entire premium period. But this is missing in almost all BEG calculators found.
by Dr. Johannes Fiala and Dr. Wolfgang Drols
courtesy of
of www.versicherungsmagazin.de (published in Versicherungsmagazin issue 01/2010, page 58).
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Dr. Johannes FialaPhD, MBA, MM
Dr. Johannes Fiala has been working for more than 25 years as a lawyer and attorney with his own law firm in Munich. He is intensively involved in real estate, financial law, tax and insurance law. The numerous stages of his professional career enable him to provide his clients with comprehensive advice and to act as a lawyer in the event of disputes.
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