What is unemployment benefit 1 (alg 1)?? – info on the financial benefit

Most employees and employers pay unemployment insurance contributions month by month. If a person becomes unemployed, this insurance company steps in and pays out part of the previous salary over a certain period of time. This is to avoid financial bottlenecks in the difficult situation.

The most important information about unemployment benefit 1 summarized:

You can read here which requirements must be met in order to receive unemployment benefit 1.

The amount of the benefit depends on the earnings before the onset of unemployment. As a rule, this is 60 percent of the lump-sum net remuneration.

Here you can find out the maximum period over which unemployment benefit 1 can be granted.

You can find out everything about ALG 1 in this guide

You can find out everything about ALG 1 in this guide.

Important information about unemployment benefit 1:

Who is entitled to unemployment benefit 1?

Unemployment benefit 1: What is it exactly?

Unemployment benefit 1: What exactly is it??

Not every person who becomes unemployed is entitled to the benefits from the unemployment benefit 1. Rather must certain conditions are met:

  1. The person must be unemployed.
  2. He or she must have personally registered with the employment agency as a job seeker for three months before becoming unemployed, and then registered as unemployed when becoming unemployed.
  3. The qualifying period must have been completed.

But what exactly does the last point mean? The basic legal regulations for unemployment benefit 1 are contained in the SGB III – the German Social Code Third Social Code – to take out. § Section 142 provides more detailed information on the qualifying period. This was considered to be fulfilled if persons within the framework period of two years before becoming unemployed have been employed in an insurable employment relationship for at least twelve months.

Until the 31. July 2018 also applied shortened qualifying period for persons who are mainly employed on a short-term basis. This can include, among other things Actors or temporary workers fall. Under certain conditions, these are entitled to payment of unemployment benefit 1, if they are within the two-year framework period Employed for at least six months subject to compulsory insurance were.

When does the payment of ALG 1 end??

How long the unemployment benefit 1 payment runs depends on how long you were employed beforehand

How long the unemployment benefit 1 payment runs depends on how long you were employed beforehand.

After the question "Who receives unemployment benefit 1??" is clarified, we turn to the topic of the duration of payment. In contrast to the basic income support for jobseekers, which most people know as Hartz 4, ALG I is only paid for a limited period of time. So how long is the entitlement?

Here are two factors to be taken into account. On the one hand, the decisive factor is how long affected persons worked in the last five years before becoming unemployed were in an employment relationship subject to compulsory insurance. On the other hand, the age of the benefit claimant a role for the duration of the unemployment benefit 1 payment. The following table shows how long unemployed persons are entitled to unemployment benefit 1:

Duration of employment subject to compulsory insurance in the last five yearsRestrictionALG-1 entitlement in months
12 6
16 8
20 10
24 12
30 after reaching the age of 50. age 15
36 after reaching the age of 55. year of life 18
48 after reaching the age of 58. After the age of 58 24

So, if you have received in the last five years 16 months of work, receive eight months long Unemployment benefit I. You can also see from the table that for older affected persons the entitlement can be extended to a maximum of 24 months. For example, if a person is 56 years old and has been employed for 36 months in the last five years, he or she will receive the financial benefit for 18 months.

How to calculate unemployment benefit 1?

For ALG 1, the basis for calculation was the gross salary subject to compulsory insurance

For ALG 1, the basis for calculation was the insurable gross pay.

Hartz 4 recipients also receive a monthly lump sum of money – this is called the standard rate. Such a rule does not exist for ALG 1. The decisive factor here is, how much they earned before becoming unemployed.

The Assessment basis for the amount of unemployment benefit 1 is namely the gross insurable earnings dar. The Employment Agency first calculates how many days the claimant earned insurable income in the past twelve months. This figure and the gross pay are then used to calculate a daily average wage determined.

Wage tax and other levies are deducted from this amount. The result is the so-called benefit payment, which is the amount of the benefit paid to the claimant flat-rate net pay. The actual amount paid out to unemployed persons is usually 60 percent of the benefit payment. Unemployment benefit 1 recipients with a child benefit from higher payments. According to § 149 SGB III, the ALG 1 percentage for them is 67 percent.

Important information about applying for unemployment benefit 1:

How unemployment benefit 1 is paid?

Unemployment benefit 1 is usually transferred to your account

As a rule, unemployment benefit 1 is transferred to your account in the amount of.

For the unemployed, of course, it is not only important to know how much they are entitled to. Many also ask themselves, how the unemployment benefit 1 payment is made – Finally, rent and other financial obligations must continue to be paid on time.

In principle, unemployment benefit 1 is paid monthly paid for the previous month. The amount you are entitled to, for example, for September is on the first working day of October available. Here it should be noted that the payment cashless payment is made. It is transferred to your account free of charge.

However, what does it look like if an unemployment benefit 1 recipient is? In such a case, a "Payment order for clearing" issued. This can be submitted to any bank for credit. There will be a cost of 2.85 euros.

If the payment is to be made in cash, unemployed persons must apply to a Payout office of the Deutsche Post or the Deutsche Postbank contact. There they can submit the payment order and then receive the amount due to them. For this service a a flat-rate fee of 2.85 euros raised. In addition, there are further costs of maximum 7.50 euros for the payment. The amount depends on the sum to be paid out.

Picture credits: fotolia.com/© Picture-Factory, fotolia.com/© bramgino, fotolia.com/© bernardbodo, istockphoto.com/© lavralavaga, istockphoto.com/© villiers

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