In an original article for FONDS professionell ONLINE, attorney Johannes Fiala and actuary Peter Schramm explain why they consider the decision of the Bavarian State Social Court on the obligation of a broker to pay pension contributions to be correct. The ruling of the Bavarian State Social Court (LSG) on the pension insurance obligation of […]
Artikel zum Thema: Self-employed
What insurance brokers should know about the statutory pension insurance?
The Bavarian State Social Court (LSG Munich, judgement of 03.06.2016, Ref. L 1 R 679/14) confirmed the determination of the insurance obligation of a pool broker in the statutory pension insurance. The pool broker had already been defeated in the lower court: “In its ruling of 9 May 2014, the SG dismissed the action. The […]
The fairy tale of the unseizability of Rürup capital
The fact that not only the assets saved in a Rürup pension can be seized, but also the portion of the Riester credit balance which is not subsidized by the state, was already decided by the Regional Labour Court of Mainz (Az. 3 Sa 414/06) in a ruling of November 3, 2006 in the case […]
Immobilienpilot: “Leverage transactions
Chance of multiple profit – but also private bankruptcy risk ! (at the same time with reference to the new BGH ruling on consultant liability, V ZR 402/99) The original case: Dr. Peter Fleißig, a physician with a successful practice, 45 years old, one wife, two children, is informed by his financial […]
Return to statutory health insurance possible in old age
In Germany the “compulsory insurance for all” was introduced by law almost 10 years ago. Anyone wishing to change their health insurance (KV) has a difficult time, because without new insurance cover, the cancellation will not be effective with the previous KV. This applies especially to people who are 55 years old or older, who […]
…to be denied a return to the SHI system?
EC Regulation No 1408/71 of 14 June 1971 facilitates withdrawal from private health insurance (PKV) Anyone wishing to change their health insurance (KV) has a difficult time, because without new insurance cover, the cancellation will not be effective with the previous KV. This applies especially to people who are 55 years old or older, […]
Prohibition to charge commission is dead – discount battle begins
“Until the day they rationalize me away, Or simply sort me out as non-programmable, When the big computer comes and monitors everything, Makes my preferences and quirks fully understandable, Even if I am already completely machine-readable” (Reinhard Mey) The decision by politicians not to replace the current ban on commission payments with a new […]
The late switch back to statutory health insurance and other alternatives
– Why the complete departure from private health insurance is questionable – A 55-year-old man reports to an actuarial expert after his private health insurance (PKV) has more than doubled its premiums within nine years, even though he has been insured for almost thirty years. The actuary replies, yes, I just calculated that for […]
How and where to know
In Germany the “compulsory insurance for all” was introduced by law almost 10 years ago. Anyone wishing to change their health insurance (KV) has a difficult time, because without new insurance cover, the cancellation will not be effective with the previous KV. This applies especially to people who are 55 years old or older, who […]
Return to the GKV for insured persons of the private health insurance (PKV) still with age 85
In Germany the “compulsory insurance for all” was introduced by law almost 10 years ago. Anyone wishing to change their health insurance (KV) has a difficult time, because without new insurance cover, the cancellation will not be effective with the previous KV. This applies especially to people who are 55 years old or older, who […]