The start-up grant must have reasons
Anyone who wants to apply for a start-up grant must also have reasons for this, and these must also be stated at an expert point. For this it is necessary to turn to certain points, for this there are:
- Chamber of Commerce and Industry
- Chamber of Crafts
- Professional chambers
- Trade and professional associations
- Banks, savings banks, start-up centers
- Tax consultants, lawyers, business consultants
The start-up grant of the pension insurance
Another possible point of contact for receiving the start-up grant is the Deutsche Rentenversicherung. If you end your unemployment by starting a self-employed and full-time job, you have the option of receiving financial support. This serves to secure the livelihood and social security after the establishment.
For the application to be successful, the self-employed activity must be suitable for returning to work. This raises the question of the remuneration of the work and the perspective of being able to carry out the work in this form on a permanent basis. The start-up grant is paid for a period of six months after the application has been approved. It is possible to receive a sum made up of unemployment benefit I and the actual allowance of 300 euros per month. If, after this period, the legal capacity is confirmed by submitting all important documents, the grant can be paid for a further nine months.
Apply for a tax-free start-up grant – this is how it works!
Certain documents must also be submitted for this purpose, this must first be a well thought-out business plan, including a correct curriculum vitae and evidence of certain qualifications and activities. A financing plan and proof of the amount of capital required should be submitted .
If you want to be sure that your application will be approved, you have to add a sales and profitability forecast. If it is now decided that the start-up will be a success, the applicant will also receive the start-up grant for his or her activity. However, all of this is not entirely free, as a fee of between 50 and 100 euros is due for payment.
It is not an isolated case that the Employment Agency may require participation in certain seminars in order to determine whether the start-up can be successful at all. Something like aptitude for the job has to be proven, otherwise there is no start-up grant.
How long is a start-up grant paid?
The start-up grant is only paid until the statutory retirement age has been reached. Those who are a year ahead of it can even apply for and receive a grant. If the application is rejected because of the age, legal action can be taken against it, because that amounts to discrimination.
It is also important that the application for a start-up grant is not made until the end or the middle of the year, as those who make an effort in the first three months have a far better chance. Grants are used up quickly and so it can happen that those who arrive a few months late are quickly rejected. The offices can only give out as much money as they have at their disposal, which is why the motto here applies: “If you come too late, life punishes you”.
How much is a start-up grant?
It does not matter what income the applicant has and whether there are assets; if the funding is approved, it will also be paid out in full. As a number, this means that the previously granted amount of ALG 1 plus a surcharge of 300 euros per month is paid. At the moment the monthly amount in the old federal states is 2,596.50 euros and in the new federal states it is a maximum of 2,338.50 euros.
How do I have to take out health insurance as a founder?
When it comes to health insurance, there is no mandatory requirement for a company founder. So he does not have to stay with the statutory health insurance, but can do so voluntarily. However, he can also take out private insurance in the event of illness, but must then ensure that he is not entitled to free family insurance.
The contribution that has to be paid depends on what salary he has per month. This is calculated on the basis of a fictitious monthly income.
Unemployment insurance as a founder
According to topbbacolleges.com, many founders or self-employed people do not know that, under certain conditions, they can also voluntarily be included in the statutory unemployment insurance. But what do you need to consider in this context?
Basically, it is important that you have been compulsorily insured for at least one year within the last two years before starting your own business. It is irrelevant here whether the year in question was continuous or comprised of different phases. Even if you received unemployment benefit right before starting your self-employment (no matter how long), you have the option of taking out insurance on a voluntary basis.
It is important to note that you have to submit your application to the responsible office, the employment office, at the latest three months after starting your own business. Among other things, proof of your work must be submitted. The type of proof that is involved in detail depends on the nature of your work. In many cases, a trade license is sufficient. The relevant clerks are also interested in the timeframe in which you are self-employed. 15 hours a week is the minimum here.
The current contribution rate for voluntary work insurance for the self-employed is 2.5%. The basis and basis for calculation is the average income in connection with the statutory pension insurance. There are still clear differences between East and West Germany. In addition, as a founder, you benefit – at least in the year of founding and in the year after – from the fact that you only have to pay half of the relevant sum. You can see how this works in detail using the following table.
|West Germany||East Germany||Founder|
|77.88 euros||71.75 euros||38.94 euros bow. 35.88 euros|