As is well known, money should not be talked about – However, if you become unemployed and depend on social benefits, you should of course know exactly what you are entitled to.
Who was regularly gainfully employed and who becomes unemployed due to illness, personal setbacks, further training, or as a transition can apply for unemployment benefit 1. Affected persons then naturally ask themselves: How much Unemployment benefit 1 do I get at all? What is the Maximum rate at the unemployment benefit 1? Is there ALG 1 minimum rate?
How the amount of unemployment benefit 1 is calculated and who is entitled to it, you will learn in this guidebook.
Answers around the question, how much ALG 1 is paid, gives you this councellor. In addition, at the end of the text you will find a Calculator, with which approximate amount of your expected ALG 1 can determine.
The most important facts about the amount of unemployment benefit 1 in brief
Unemployment benefit 1 is an insurance benefit, whereas unemployment benefit 2 is a social benefit.
The amount of unemployment benefit 1 depends mainly on the last net income received. If the person concerned has no children, then this is 60 percent – if he has children, it is 67 percent.
Predicting the final amount of unemployment benefit 1 is complicated, as it depends on a variety of factors and there are a number of special regulations. Our free calculator can help you.
Unemployment benefits in Germany
You are unemployed after a long period of employment and ask yourself: How much is my ALG 1 entitlement??
If you become unemployed in Germany, you are usually entitled to unemployment benefits. There are two different types: Unemployment benefit 1 and 2. The amount depends on the individual and his or her circumstances. Even though both are cash benefits for people who are not gainfully employed, they differ formally considerably from each other.
- Unemployment benefit 2, colloquially also Hartz 4 called, represents the basic safety device for unemployed persons. The amount of ALG 2 should allow the recipient to live in dignity. According to possible assets, additional income, whether the person lives in a community of need and the like, a monthly standard rate fixed. Although certain conditions are attached to the benefit for the recipient, unemployment benefit 2 can de facto permanently drawn are. In addition to monthly payments, ALG 2 recipients can also receive a whole range of allowances and benefits claim.
- unemployment benefit 1 on the other hand, is paid if the person concerned is paid into the social security system through previous employment and the corresponding qualifying periods have been fulfilled. Accordingly, it is not wrong to consider unemployment benefit 1 not as a social benefit, but more as a Insurance benefit to be understood. The amount of ALG 1 is no lump sum, but is calculated as a percentage of the last monthly income of the recipient.
How long can unemployment benefit 1 be received?
The unemployment benefit 1 is only limited in time guaranteed. The length of time for which benefits will be provided depends on the Number of months from, in which by a job paid into the social security system was.
The Maximum limit for unemployment benefit amounts thereby 24 months. If, during this period, the person concerned has received no work found, then the unemployment benefit 1 payment is converted into an unemployment benefit 2 payment.
Here you will find a Overview of the reference period. This is independent of the respective amount of unemployment benefit 1 and applies to all monthly rates equally.
|30 (after 50)||15/450|
|36 (after 55)||18/540|
|48 (after 58)||24/720|
The amount of unemployment benefit 1 depends on net income
In principle, there is no flat-rate upper limit of ALG 1.
ALG 1 is thus reserved for those who are eligible for a worked continuously for a long time have. The payments that are made are therefore based on the last job held: unemployment benefit 1 is a Percentage of the last salary after deductions. How much unemployment benefit 1 a person ultimately receives depends on his or her last regular net salary.
This is the reason why the amount of unemployment benefit 1 vary considerably from person to person because it is mainly based on the individual’s salary.
Unemployment benefit 1: What percentage of your last wage is paid out
Quite a few people wonder whether there is a maximum rate for unemployment benefit 1 – or, conversely, whether there is a minimum rate for unemployment benefit 1.
The answer is: No. Or better said no fixed reference amount. What percentage is ultimately provided as unemployment benefit 1 and how much that is in concrete terms in euros, varies greatly from time to time. Legally there are no minimum standard rate or upper limit for the ALG 1, which may be paid at most.
The amount of unemployment benefit 1 is calculated as follows
ALG 1: You can calculate the approximate amount for yourself.
The above mentioned 60 resp. 67 percent is only the Start of a calculation chain, which determines the unemployment benefit 1 for the respective person: Also solidarity surcharges, wage and church tax and additional payments such as the Christmas bonus find a settlement.
If you receive initial assessment of the probable amount of your unemployment benefit 1 standard rate, then the following formula can be used for it.
1. Calculate the assessment remuneration.
If you have received salaries of different amounts, then the benchmark is the average gross salary for the last 12 months – or a shorter period of time, depending on the situation. Divide this by 365 days; the value you receive is the "daily assessment wage".
2. Calculate the benefit.
From your calculated daily assessment wage, you must now pay a Flat rate of 21% deducted The first phase of the birth lasts between six and seven months. With this you receive the performance pay.
3. Calculate the daily benefit rate.
Depending on the percentage that applies to your ALG 1 situation, the performance pay is now either multiplied by 60 percent or by 67 percent.
4. Calculate the amount of monthly unemployment benefit 1.
The daily benefit rate in turn is now multiplied by 30 days, to determine the individual amount of the final unemployment benefit.
How much is unemployment benefit 1 after parental leave??
How is the amount of ALG I calculated after parental leave??
It is not uncommon for ALG 1 to be claimed after parental leave. How much is the unemployment benefit 1 in such a case? After all, it is difficult to calculate here with an average gross salary.
In cases of parental leave, a quasi fictitious "remuneration for work calculated, which represents an exemplary gross salary according to your education and place of training. This will then be Basis for the calculation used. What percentage of this is provided as unemployment benefit 1 then also depends here on the usual parameters.
Supplementary benefits, additional income and assets: What is and is not taken into account
If now only times the appropriate circumstances after decided, how highly the ALG 1 for the respective concerning precipitates, immediately new questions stand in the area: Keyword fortune and secondary incomes. Since unemployment pay 1 is paid above all for before gainful employment, entitled persons have also accordingly often saved – this becomes like with the unemployment pay 2 starting from a certain height offset? And how does it actually look with a marginal employment from?
Assets have no influence on the entitlement to unemployment benefit 1 and its amount
The unemployment benefit 1 is not a gift, but a Risk insurance. Therefore, all those who feared for their savings can breathe a sigh of relief at this point: If a person is entitled to the benefit of ALG 1, the Amount therefore not reduced by any assets. This means that a person could live well on savings even in the event of unemployment, but still legally unemployment benefit 1 may be drawn.
Accordingly Gifts during an ALG 1 claim permissibleThe amount and percentage are not reduced by cash gifts received.
Possible additional income
ALG 1: A maximum of 15 hours a week may be worked before one is no longer considered unemployed.
The situation is different in the case of additional earnings. Income from a secondary job or also a self-employed activity is calculated with the percentages applicable to unemployment benefit 1 or. offset pro rata against the monthly rate determined. This also includes work as a family member – i.e. if you work in a company run by a family member and are paid a salary of Wage received.
In principle worked less than 15 hours a week will be calculated if unemployment benefit 1 is received. This means that if 15 or more hours per week are worked on a regular basis, it is, you are no longer considered as unemployed.
Income that does not result from employment may also affect the amount of unemployment benefit 1. This includes for example rental income or income from leases.
ALG 1 and additional income: How high is the allowance?
In the case of a secondary income there is a allowance of 165 euros per month, which does not affect the amount of unemployment benefit 1 and is always deducted when offsetting the additional income. If the additional income remains the same or less than 165 euros per month, then unemployment benefit 1 can be without restrictions be drawn.
In addition to this lump additional allowance possible. This is guaranteed if you have had a secondary job for at least one year in addition to the insurance relationship in the last 18 months before you start receiving unemployment benefit 1 – this also applies to self-employment and work in a family business.
Additional earnings will only be taken into account if they can during the period of unemployment benefit receipt was earned. If it originates from an activity before the receipt and is paid out only later, then it is not settled.
In addition to the regular amount of ALG I, additional benefits such as further training are also possible.
Recipients of unemployment benefit 1 have the possibility, in addition to their standard rate, of receiving a so-called Education voucher to be issued if they want to complete further education or training. Education voucher means here that the employment office takes over the costs for these.
For the claim of the education voucher may in the but not in the last four years Have taken advantage of publicly funded continuing education programs. In addition the acquisition of the last professional qualification you must also have been unemployed for at least four years.
If you are temporary worker, then you are also entitled to this education voucher under certain conditions. In addition you must however with a time worker enterprise Have paid social security benefits and your unemployment must be reemployment in the same company be terminated.
Just as with unemployment benefit 2, recipients of unemployment benefit 1 may also be subject to the travel expenses for job interviews and job interviews are reimbursed become.
Social benefits and harmless benefits
Receipt of certain social benefits suspends entitlement to unemployment benefit 1; these include, for example sickness benefit, maternity benefit or the old-age pension.
Again, there is also the so-called "harmless benefit", which no effect on the receipt and the amount of the unemployment benefit 1. These are child benefit, housing benefit and under circumstances even the unemployment benefit 2.
If the individually calculated ALG-I amount is ultimately too low to live on, then the additional receipt of unemployment benefit II or social benefit is generally possible.
Unemployment benefit 1 – How much am I entitled to??
The exact amount of your unemployment benefit 1 entitlement can be determined at the job center.
As the above descriptions show, the calculation of the individual amount of unemployment benefits is a sometimes quite complicated matter. The explained formula is supposed to explain the origin of the monthly standard rate make understandable, however, it cannot guarantee anything.
If you do not agree with your unemployment benefit decision because the payments seem too low or similar, you have the Right to appeal. Thereby you have no negative consequences to fear, as a rule then simply your decision is worked through again.