Erben and Hartz 4

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If you receive Hartz 4 benefits and inherit, the state also inherits. You should know the facts. You can use tax exemptions or take alternative routes.

Inheritance is offset against Hartz 4.
Inheritance is offset against Hartz 4.

You will only receive Hartz 4 benefits if you are in need of help. This is you if you cannot, or cannot sufficiently, secure your livelihood on your own. The term "own resources" implies that income and assets must be taken into account.

Hartz 4 also records one-time income

  • One-off income must also be taken into account. If you inherit, this is a one-time dose. One-off income is spread over a reasonable period of time and a corresponding partial amount is set on a monthly basis. The Hartz-4 carrier is obliged to set the appropriate period according to its due discretion. However, the credit should not exceed a period of 12 months, even for substantial amounts. Any unused portion should be taken into account in the asset test.
  • You can inherit the heritagesocial benefits completely exclude. You have no allowance. There's no point in using the money to settle any liabilities. The fact is that you receive the inheritance and are therefore subject to credit.
  • If you receive the inheritance before you have applied for Hartz 4 benefits, you are dealing with assets that are also subject to credit. In that case, € 250 per year of age remains free of credit up to a certain maximum amount, provided that you can prove that you are using the amount for your retirement pension. Special provisions apply to Riester contracts, which can have very beneficial effects on you.

Inheriting increases your wealth

  • You are entitled to a basic tax-free allowance of € 150, but at least € 3,100, of the assets for each completed year of life. For birth cohorts up to 1957, the maximum amounts are € 9,750. If you were born between 1958 and 1963, the tax exemption is up to € 9,900, for those born after 1964 a maximum of € 10,050. If you were born before 1948, the maximum limit is even € 33,800.
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  • If the inheritance is substantial, you should consider adding Hartz 4 benefits waive. If necessary, it may be an option to refuse the inheritance yourself so that the subsequent legal inheritance comes into play. However, you are not allowed to live with him in a community of needs, as his assets can then be taken into account. So you should definitely find out more from a competent source.

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