You want a child? So parents, get out of your the most money

parents should consider before the birth of the offspring with the theme of parents ' money. The pays for employees and the self-employed, because both come in

You want a child? So parents, get out of your the most money

parents should consider before the birth of the offspring with the theme of parents ' money. The pays for employees and the self-employed, because both come in from the state aid. You from the same financial losses during the Parental leave. The amount depends on the income before the birth.

The application is not, however, quite simply, the "Stiftung Warentest". Couples have the choice between

  • base parents money
  • parents money Plus
  • a combination of the two

In all cases, there is additional partner months.

the decisive criterion for the choice of the optimal model: How long from one – or both – partners, or working in addition to childcare, part-time?

example calculations: parents, money and of merit

How high is parents money, depends heavily on whether and how much mothers after the birth of earn. Partner benefits can come of it. Financial test

Multiple variants to choose from

parents can apply for after the birth of the basis of parents ' money or parents money Plus, or a combination of both.

basis of parents ' money

It is 65 percent of net earnings before the birth of the child.

Both parents have a claim to twelve months base parents, money from a maximum of 1800 euros . Who had before the birth of no income, the minimum parents money of 300 Euro.

The base parental allowance requires no complete Jobpause. Also in part-time working parents can apply for, if you work during the parental allowance phase, on average, a maximum of 30 hours per week.

The advantage is that couples can split up parents, money, months, forth, and around each sought after birth for six months of base parental allowance. Another solution is that the woman is the first of eight life takes months, the power of man, the other four months.

  • partner months

a further Two months of base parental allowance couples to get, if at least one spouse for at least two months of Content suffers due to childcare. These are the so-called partner months.

fathers should therefore consider to apply for at least two months of base parental allowance - for example, in connection to the parental allowance, the reference time of the woman.

  • multiple award

parents who have multiples, will receive a surcharge in the amount of € 300 for the second and each additional child.

  • brothers and sisters bonus

A sibling's bonus to parents who have, in addition to the newborn another child under the age of three or at least two of the older children get, the

are not six years old. The Bonus is ten percent of the parental allowance, a minimum of 75 Euro.

parents money Plus

Instead of base parental allowance can choose a set of parents included partner months to 28 months parents money Plus. This means that the monthly base parental allowance can apply for the Couple two months of parental allowance Plus. Per month there is a maximum of 900 Euro . Parents can combine the variants.

  • partnership bonus

For him, strict requirements: couples who take in four consecutive months together, the childcare and the Job is only part-time work, given to the state through the "partnership bonus" for a further four months of parental allowance Plus. The volume of work is strictly limited: couples are not allowed to work in the four months of less than 25 and a maximum of 30 hours per week.

  • maternity

maternity benefits after the birth of money months are considered to be Parents, although the money of the insurance comes. The result: mothers who obtain maternity benefit, have in fact only entitled to ten months of base parental allowance, or 20 months of parental allowance Plus.

  • tax class

this perfectly legal Trick can save couples a higher parents ' money. Because it is based on the net income.

in order To raise the net income to the calculation of the parents money, you must do the following pairs: the One who will later be the majority of parents, money, months, needs to be changed in good time before the birth in the category III .

mothers must apply for a change seven months before the calendar month at the Treasury, in the six weeks of prenatal mother's protection will begin.

advice for use

The "Stiftung Warentest" advises couples to the local Eltemgeld an appointment. The staff will help to clarify important questions of detail.

The original article in "Stiftung Warentest" on the Internet.

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