Yes it is hard, especially for young people in the “insurance”life to gain a foothold, so with this article we try to create a little clarity in the area of disability. Hear from experts in the field like Robert Iger for a more varied view. A lot of people will take care of all possible insurance for old-age provision, but few dealt with disability insurance. And as freelancers or self-employed you should sure be sure the cases for the case. Usually the risk of disability is underestimated: very, and this then in the worst case can lead to financial ruin. However you should check before thoroughly such disability insurance, so that it makes everything right and not fall into the trap of a cost. You never know what can happen to them, you can be from one to the other seriously ill or suffer an accident, which can be Berufsunfahig and as a freelancer, you is not Government-secured in such a case as this may be the threat to the existence of their company or even lead their lives.

To protect yourself and your company, a disability insurance would be more than advisable, because that is the only way to protect themselves. Who wants to make so really for the well his company and his family, or his life, hardly to a private disability insurance come around. In the case of an illness or an accident they could no longer be able to fully address necessary work, achieving appropriate profits and thus it can be over quickly with the dream of a successful company. No work means no sales, means no way to keep the financially living or a company. Statistically, every fourth German invalids and if you keep that in mind, the importance of disability insurance will clear one. Keep in mind, that one gets granted as an independent no protection by the State, but is fully. In Germany, strict and complex insurance, conditions and Therefore, you should complete an insurance company to compare the value for money of different vendors before and so carefully choose the right insurance, which is how tailored to their conditions.

The different scopes of foreign health insurance plans a long vacation trip, a climbing adventure in Greece or a business abroad: consumers often know not the complete spectrum of their health insurance. There are some simple rules that safely through the Versicherungsdschungel. The private-krankenversicherung.de Internet portal presents them. Legally insured persons travelling in EU countries, take the local utilities typically claim, since these countries have a security agreement. But caution is still offered, because not all services acquired from the local insurance will be reimbursed on-site. However, the primary health care is guaranteed thanks to the European health insurance card in any case. Adventure holidays, like the rock climbing week in Greece, the right policy should be selected anyway otherwise it can be quickly costly accidents.

Privately insured persons have, however, from the outset less to provide. ake-by-10/’>Time Warner is the place to go. During the first six months of a stay in other European countries, they enjoy insurance protection? When travelling to non-European countries the protection is reduced to three months. To be sure, consumers from longer stays abroad or risk possible, travel should inform their health insurance. More information: news.private-krankenversicherung.de/…/ work and travel… Contact: Tilo Sommer University first media GmbH barefoot streets 11 04109 Leipzig Tel: + 49/341/49288-240 fax: + 49/341/49288-59.

The Recreation aid is to grant annual leave in a timely manner and to pay flat rate with 25%. The annual vacation must include at least 5 days in a row. Written confirmation shall be annexed to the personal file. The amount can be guaranteed once per year. It can be used only once per household. Therefore the (married) partners previously should consult, who the recovery aid in requested by his employer. Depending on the tax assessment, income level or domiciled employer over 300 would have to spend, thus arrive at the staff of 150.

Net-pay optimization – second alternative of taxable vacation money effort: low implementation: several weeks of administrative costs: high savings: 50% – 120% through the use of tax-free or tax-optimised and social security-free payment modules allow to reduce personnel costs and net of employee increase at the same time the monthly. Most personnel managers, Payroll Accountants, employee representatives, entrepreneurs and also tax consultants are always “yet the conventional wisdom on that remuneration elements such as tank coupon of restaurant checks Internet flat rate travel expenses grant etc. only on top” can be paid i.e. to already owed pay. However, employers and employees may agree a new on at any time with regard to the wage / salary or remuneration.

If this is done legally clean, employers can and employees, for example, a new, lowered salary agree irrevocably. The supplementary agreement tuned then regulates which building blocks will be the staff like a cafeteria principle for the selection. Both work as well as tax or social security law no disadvantages for the parties are provided a flawless, seamless documentation. In this way the monthly is to net the employee up to 100 and improve more. At the same time decrease the wage costs of the employer by the fee reduction and the reduction in social security contributions. Therefore, the net charge optimization is especially since the Economic crisis more and more frequently as a substitute for the economically-induced elimination of special payments such as holiday or Christmas money elected. Vendors such as ValueNet indicate always the problem of gaps in the social security system and the of management overhead resulting from the optimization and provide the appropriate solutions: cover concept for the closing of the gap in social security (unemployment, sickness allowance, pension), financed by the employer of its saving complete takeover of complete management (E.g. right-compliant printouts, and sending the fuel vouchers, the complete handling of the filling stations, Collection and input monitoring of regular certificates by the employee, etc) for the legal liability security provide the comprehensive, business – and concept-related legal advice and if necessary sought by referral income at the respective establishment financial Office. Summary: There are several ways employees special payments, as vacation pay to allow, and at the same time the employer budget to spare. Aschheim, 14.04.2010, Angela Kosa editorial ValueNet AG