As in VM 12\/09, the 14th part of the series deals with errors of so-called citizen relief calculators.<\/p>\n
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!<\/p>\n
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.<\/p>\n
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.<\/p>\n
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.<\/p>\n
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.<\/p>\n\n
by Dr. Johannes Fiala and Dr. Wolfgang Drols<\/p>\n
courtesy of<\/p>\n