Contrary to rumours, KSK membership is not compulsory tho’ an ideal solution for professional artists and journalists who wish to join the German social security system.
As a member of KSK you are treated as an 'employee' rather than a freelancer/ self-employed and once accepted you will benefit from the German social security insurances, i.e. statutory pension scheme and statutory health insurance. Having chosen the health provider, medical and long-term-care insurance are then in place and the monthly contributions are equally shared between the member and KSK.
Contributions towards the following German social security insurances are based on gross earnings, therefore KSK members must provide annual forecasts of their anticipated income and in the event of an audit will be asked to provide Profit & Loss Reports and/ or Tax Returns, supported by other acceptable documentation, such as: contracts, business proposals, orders, etc.
The contribution rates for 2020 are:
- Pension Insurance: 18.6%
- Medical Insurance: 14.6%
- Long-Term Care Insurance
- for people older than 22 and without children: 3.55%
- for people younger than 23 and with children: 3.05%
In 2020 the social security insurance contrubtion rates for the majority of KSK members is 18.38% of their gross earnings.
The lengthy period having to wait for KSK's acceptance or possible non-approval of one's application, invariably produces concerns to those who in the meantime might become in need of a residence permit. Although in certain cases extensions are granted, this is indeed very much up to the Foreigners' Office (Ausländerbehörde) policy.
Another aspect people need to consider is that after months of waiting, when the day finally arrives in which they receive KSK's acceptance letter, they will be required to make back-payments on contributions towards the state pension scheme. The amount due in 2020 is 9.3% of the assessable income for both the "employee" (KSK member) and "employer "(KSK), totalling at 18.6%. Thus, having waited e.g. 8 months on 12,000€ assessable income, 744€ (8 months x 93€) needs to be paid in full and within 2 weeks of receiving KSK's Certificate of Membership.
For a relatively small service-fee, we at ERICON broker will assist you from the very beginning to the day you read KSK's final decision notice and, if necessary, even beyond.
Our KSK service includes:
- Preliminary check, to assess that all requirements are fulfilled
- KSK application processing
- Collection of all necessary paperwork
- Submission of the application package
- Assistance during the corresponding phase, between applicant and KSK
- Post-Acceptance service during the members whole membership
- Appeal Procedures, including referral to associating solicitor
Should you prefer a "hands-off" application procedure, simply grant us authority to act and communicate on your behalf (Power of Attorney).
With a 100% success rate, you can sit back and let others do the work.