42 karma · joined July 21, 2019
I agree it doesn't make sense from a financial perspective generally but it does depending on your health records/situation. I, for example, have a chronic disease which implicates monthly medication which is crazy expensive. I could enter a private insurance (because I have a Anwartschaft, thank god I kept this from since forever) but the monthly rate will drive to insane amounts when I'm getting older and/or adding the fact of kids (Familienversicherung).
Going back to public insurance after being in private insurance is highly problematic and probably even impossible without playing grey-zone games if you don't want to lower your salary dramatically below the income border for multiple years.
Disclaimer: my knowledge is based on internet research, I am not an expert on this and might be wrong.
In my current specific situation there are no coworkers from Germany.
I didn't even know that a US-based company can give me a German contract. Do you know the specifics how the stuff got deducted automatically (except the taxes)?
Anyway, I really like the idea and it sounds totally hassle-free. I will contact them and ask. Should I give you as a referral? Maybe you get a check if it works out for me.
Is there a way that I can pay the social security fees from day one on my own to completely avoid all hassle and possible back-payments after a Prüfung (audit)?
I even want to stay in the public health insurance (freiwillig gesetzlich versichert). I actually do not want to benefit from being self employed. I just want to make it legal.
I would plan to be there for a significant time, more than three years.