Work on a EUR 450 basis

Compulsory insurance and rights as a mini jobber on a EUR 450 basis

450 euros is the current limit for mini jobs. Do you want to be with one Part-time jobsteer to save or get maximum earnings, knowledge of the law is advantageous.

• In addition to a main job, you can now also take on a 450-euro job tax-free. Your employer may only forbid this type of employment if you work for a competitor or if your main occupation suffers as a result.
• As a mini-jobber, you are not insured for health, care or unemployment - only statutory accident insurance.
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• You have the same rights as other employees on a EUR 450 basis. You enjoy dismissal and maternity protection. As a mini-jobber, nobody can deny you the right to paid vacation and public holidays as well as continued payment of wages in the event of illness.
• Your mini-job remains insurance-free even if you occasionally and unexpectedly exceed the monthly 450 euro limit. From 1. January 2015, the limit value can be exceeded up to three times under these conditions. The decisive factor is that the annual limit of EUR 5,400 may be exceeded. However, it must be an occasional and unpredictable overshoot.


Mini-job and mid-job - differences in pension insurance easily explained

Mini, midi or maxi job? - Part-time employment is widespread. While you ...

• This fact exists if it was not foreseeable during the monthly wage calculation that the work process would make this limit crossing necessary. An example would be the increased workload of a mini jobber due to the illness of another employee.

If anything is unclear, you should contact the Mini job- Inquire headquarters about the current legal situation.

When are voluntary contributions to pension insurance worthwhile?

Up to now, as a mini-jobber, you could voluntarily increase your pension insurance contributions. Mini-jobs based on 450 euros have automatically been subject to compulsory insurance in the statutory pension scheme since 2014.

• If you waive the exemption, you only have to pay a small amount of your own contribution by paying the employer's flat-rate contribution of 15 percent.
• Although the pension entitlement increases only slightly with longer co-payments, as an employee you can benefit from compulsory pension insurance. You are fulfilling your waiting times for an early retirement pension. It may be worthwhile to increase the entitlement to a disability pension or with regard to rehabilitation measures.
• Before starting work, you have the right to be exempted from compulsory pension insurance with a written notification. However, your employer still has to pay the flat-rate pension insurance contribution.
• As a mini-jobber without any further income, you can continue to benefit from free family insurance, as the income limit is also 450 euros per month.
• If you regularly earn wages between EUR 450.01 and EUR 850 through one or more marginal employment, you are in the so-called sliding zone. The insurance-free mini-job becomes a “mid-job” subject to compulsory insurance. You only pay a reduced social security contribution of approx. 15% to 20%. Your employer would have to make the full contribution.
• The sliding zone calculator of the Deutsche Rentenversicherung gives you information about the contributions to be paid. This means that you can decide for yourself which amount of earnings will still be of interest to you.
• If you are currently receiving unemployment benefits, the earnings limits of the current jurisdiction apply. You can get information about this from the responsible employment agencies.

The combination of a main job and a part-time job in the form of a 450-euro job can be quite rewarding for you. Her main job currently covers the benefits of unemployment, health and pension insurance. You will receive your mini-job as a tax-free additional income.