Status: 10.07.2019, 10:23 a.m.
By: Anne Tessin
If you are sick for a long time, there are a few things you need to keep in mind in order to continue receiving wages. © picture alliance / Arno Burgi/dpa
There are cases of illness in which a week of bed herding is not enough. What happens after the continued payment of wages? Until when do you receive sick pay and how much do you receive?
It happened: You have an accident or a serious or protracted illness and are absent from work for a long time. How long does your employer have to continue paying your salary and what happens after that?
When will sick pay be available?
As a rule, your employer will continue to pay you your regular salary even in the event of illness. After six weeks or 42 calendar days (starting from the first day off completely), the health insurance company will take over. However, if you have started a new job and get sick in the first four weeks, your employer does not have to continue paying your salary. In this case, the health insurance company usually takes over immediately.
In this case, the continued payment of wages is extended
Another case is when your first illness has healed and you subsequently fall ill again – with or without working hours in between. In this case, your company must continue to pay your salary for another six weeks. For example, if you have broken your leg and have been on sick leave for six weeks and then go to the doctor on your first day of work because of bronchitis and are on sick leave again, you will continue to receive your regular salary. However, if you fall ill during your original illness, the continued payment of wages will not be extended. This is where the legal principle of the "unity of the case of prevention" comes into play.
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How much is the sick pay?
If you are sick for more than six weeks and receive sick pay, this unfortunately means financial losses. As sickness benefit, the statutory health insurance pays you 70 percent of your gross earnings, but not more than 90 percent of your net salary. Sickness benefit does not exceed 103.25 euros per day. You can determine the amount of sick pay using special online calculators. After all, the sickness benefit is tax-free.
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How long do I get sick pay?
As a person with statutory health insurance, you will receive sickness benefit for the same condition for one and a half years or 78 weeks. Another disease that occurs during the period of benefits does not extend this period.
In addition, there is a block period of three years. This means that you can only call up the maximum benefit period once within three years from the beginning of the incapacity for work. After these three years, the 78-week period begins anew. However, after the block period has expired, you will only be entitled to sickness benefit for the same illness again under certain conditions.
Thus, if you become incapacitated again, you must:
How to call in sick properly
Once you have received a certificate of incapacity for work, you must immediately send one carbon copy to your health insurance company and the other to your employer. Make sure that the attestation is complete. If it is foreseeable that your illness will be protracted, you should use an online calculator to determine how much sick pay you will receive.
Three months before the end of the 78-week period, you should contact the pension insurance company and the Employment Agency to clarify what financial resources you are entitled to afterwards. If you have taken out disability insurance, you should of course also call them.
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Is sickness benefit also available for the self-employed?
You will receive statutory sickness benefit from your health insurance company from the 43rd day of your incapacity for work or inpatient treatment. However, there are also special optional tariffs at each insurance company, which allow an earlier payment. In any case, however, you must have submitted a so-called election declaration to your health insurance company. This means that you no longer pay the reduced contribution rate, but the current regular contribution rate. Find out more about this from your health insurance company.
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