Voluntarily insured pensioners pay too high health insurance contributions

– How self-employed persons and pensioners are also transferred from pension schemes to compulsory insurance – Typically, (compulsory) members of the 89 professional pension schemes are either privately insured in old age (PKV) or voluntarily insured by the statutory health insurance system (GKV) at too high a price. However, this also frequently affects former self-employed […]

External division of occupational pension rights

With regard to pension equalisation, there is currently (still) the possibility of “external splitting” of company pension schemes (bAV), for example in the event of divorce, Section 17 of the German Pension Equalisation Act (VersAusglG). Affected are direct commitments (also known as pension commitments) as well as rights against a relief fund. The beneficiary spouse […]

Optimize pension equalization – even during a current marriage

Company pension scheme: Dr. Johannes Fiala and Peter Schramm explain how a higher level of provision can be achieved with less effort in a guest article for procontra-online.de. With regard to pension equalisation, there is currently (still) the possibility of “external splitting” of company pension schemes (bAV), for example in the event of divorce, Section […]

Already sick – which LV goes?

Life insurance protection for insured persons and policyholders who are already ill: what alternative arrangements are available here, with and without health issues?   The (future) policyholder (UN) only has to answer truthfully and completely to the insurer (VR) his application questions, which have to be made at least in text form, according to the […]

Guarantees and safeguards: Worthless in the end?

Why do guarantees and security systems have to prove worthless in the end?   All guarantees, in whose security one lulls oneself, have no absolute value. After all, the decisive factors are the conditions and the legal framework for this, political legal certainty and the economic default risk of the guarantor.   Guarantee certificates Looking […]