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Mutterschaftsgeld explained

Mutterschaftsgeld is the benefit you receive whilst on maternity leave. It is an income replacement benefit paid for by your health insurance, the employer and / or the state (Bundesversicherungsamt) depending on your insurance and your working status (employed or self-employed).

 

Mutterschaftsgeld is paid during the entire length of Mutterschutz. You can read more on what Mutterschutz is, how long it is etc, on my previous blog post here.

 

Like I said above, the amount of Mutterschaftsgeld you will get depends on your employment status and your health insurance. Lets go through the various scenarios here.

 

Scenario 1: employed and publicly insured (gesetzlich versichert)

You will receive 100% of your average net income from the last 3 months before the start of maternity leave (Mutterschutz). Say your Mutterschutz starts on June 1st, your Mutterschaftsgeld will be calculated based on your net income from March 1st until May 31st.

 

The Mutterschaftsgeld will come from two different sources:

- 13€ per day will be paid to you from your health insurance

- the rest will be paid to you from your employer so you reach 100% of your previous income

 

Scenario 2: employed and privately insured (privat versichert)

You will receive 100% of your average net income from the last 3 months before the start of maternity leave (Mutterschutz). Say your Mutterschutz starts on June 1st, your Mutterschaftsgeld will be calculated based on your net income from March 1st until May 31st.

 

The Mutterschaftsgeld will come from two different sources:

- a lump sum of 210€ to claim from the Bundesversicherungsamt

- the rest will be paid to you from your employer so you reach 100% of your previous income

 

Scenario 3: self-employed and publicly insured with opt-in for Krankentagegeld (sick pay entitlement)

You will receive 70% of your average net income, in other words you become as Mutterschaftsgeld what you would become as Krankengeld. Be careful to make sure you have opted-in for Krankentagegeld before your maternity leave starts, otherwise you will not be entitled to Mutterschaftsgeld.

  

Scenario 4: self-employed and publicly insured without opt-in for Krankentagegeld (sick pay entitlement)

No entitlement to Mutterschaftsgeld

 

Scenario 5: self-employed and privately insured

No entitlement to Mutterschaftsgeld, however you can apply for the lump sum of 210€  from the Bundesversicherungsamt

 

Scenario 6: working a mini-job (or a job earning less than 450€) and insured with a family member (familienversichert)

You will receive 100% of your average net income from the last 3 months before the start of maternity leave (Mutterschutz). Say your Mutterschutz starts on June 1st, your Mutterschaftsgeld will be calculated based on your net income from March 1st until May 31st.

 

The Mutterschaftsgeld will come from two different sources:

- a lump sum of 210€ to claim from the Bundesversicherungsamt

- the rest will be paid to you from your employer so you reach 100% of your previous income

 

Scenario 7: registered unemployed at the beginning of Mutterschutz

You will receive Krankentagegeld (sick pay entitlement) for the duration of the Mutterschutz, i.e. ca. 70% of your previous net income before becoming unemployed. Please check the amount with your health insurance.

 

Scenario 8: becoming unemployed during the Mutterschutz

Whatever status you had at the beginning of Mutterschutz will apply until your contract ends. From the date your contract ends, you will start receiving Krankentagegeld (sick pay entitlement) for the leftover duration of the Mutterschutz, i.e. ca. 70% of your previous net income before becoming unemployed. Please check the amount with your health insurance.

 

Scenario 9: self-employed and insured publicly through the KSK

You are entitled to Mutterschaftsgeld that is 70% of the income used by the KSK over the last 12 months as the calculation basis for your premiums (apply for this with your health insurance, not the KSK!). Make sure you let the KSK know exactly when you will rejoin after Mutterschutz, so as not to have to re-apply all over again.

 

I hope this was helpful. If you can't find your situation listed here, please help yourself, me and other readers by signaling to elodie@babyinberlin.com.

 

If you need more help to understand the German paperwork around the baby's birth, I offer individual consultations and group workshops. Feel free to get in touch or to schedule a call to find out more about my services.

 

 

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