Why the self-employed are often barred the way to low-cost health insurance in old age Self-employed people are lured away from statutory health insurance at a young age with reference to the lower contributions of private health insurance (PKV). Only with a lot of luck they do not find out only in old age […]
Re: VW 13/2013, Company & Markets, Health Miscounseling: In about 90 pension schemes, also called Versorgungskammer, chambered professionals regularly become compulsory members. Their entitlements to funded pensions have already fallen sharply compared with earlier commitments and will have to fall further if interest rates remain low. It would be a mistake to rely solely on […]
The state allows up to 20,000 euros per person and assessment year to be partially deducted as special expenses for tax purposes in the case of private old-age provision through basic pension contracts. The prerequisite for this is, for example, that an exclusion of realisation is contractually agreed. This is intended to guarantee the insolvency […]
Tax consultants, doctors, dentists, architects, journalists and other freelancers have no other choice. You have to pay into professional pension funds or pension chambers for your pension. But how safe is the money you have saved up when creditors or insolvency administrators want to enforce their claims? The financial news service GoMoPa.net asked […]
If the lecturer for civil law and insurance law at the Dual University of Baden-Württemberg, lawyer Dr. Johannes Fiala (53, photo – Dr. Fiala) from Munich, invites people to seminars where they learn how to secure their retirement provisions and assets from seizures, he usually expects specialist lawyer colleagues who advise entrepreneurs. “But almost no […]
A Rürup pension cannot be inherited, given away, sold or lent. If you have debts, you risk creditors seizing the Rürup assets you have saved up before your pension starts. And if the state would have to pay Hartz IV or court cost assistance, it allows him to deny the Rürup assets and to refer […]
New ruling by the Federal Court of Justice (BGH): Attachment of Rürup pension possible at any time Insolvency security of the basic or Rürup pension? The state allows up to 20,000 euros per person and assessment year to be partially deducted as special expenses for tax purposes in the case of private old-age provision through […]
A Rürup pension cannot be inherited, given away, sold or lent. Those who have debts, on the other hand, risk beingss creditor seize and exploit the accumulated Rürup assets before retirement. And if the state would have to pay, for example, Hartz IV or court cost assistance, it can refuse this because of the […]
Deferred compensation with insurance solutions: Employers have double wage costs through company pension schemes. An employee had asked her employer to invest part of her salary in a company pension scheme on her behalf (deferred compensation). After 6,230 euros had been transferred to a “company pension scheme” by the employer within three years, the […]
By Dr. Johannes Fiala and Thomas Keppel Reader A. S. asks: In the July 2007 issue of BC, I read with great interest the article on occupational pension provision and the employer’s obligation to offset losses in the case of deferred compensation. Subsequently, I invited our insurance agent for a discussion. He informed me, among […]
