sozialversicherter

In Germany, the term *sozialversichert* refers to individuals who are covered by the country’s social insurance system (*Sozialversicherung*). This system provides financial security and benefits in case of old age, disability, unemployment, sickness, accidents, or death. Being *sozialversichert* means that contributions are paid into various social insurance funds, which in turn offer entitlements to the insured person and their dependents.

The social insurance system in Germany is mandatory for most employees and self-employed individuals under certain conditions. The main branches of social insurance include:

Pension insurance (*Rentenversicherung*) ensures income for retirees and their survivors. Contributions are split between employer and employee, typically around 18.6% of gross wages (as of recent rates).

Health insurance (*Krankenversicherung*) covers medical treatment, prescriptions, and preventive care. Employees usually pay around 7.3% of their income, while employers contribute an equal amount. Additional fees may apply depending on the type of health insurance plan.

Unemployment insurance (*Arbeitslosenversicherung*) provides financial support during periods of joblessness and helps with job placement. Contributions are around 1.3% of gross wages, split between employer and employee.

Accident insurance (*Berufgenossenschaft* or *Unfallversicherung*) covers work-related injuries and illnesses, with employers bearing the full cost.

Long-term care insurance (*Pflegeversicherung*) assists with costs related to nursing care, with contributions around 1.7% to 3.4% of income, depending on family status.

Self-employed individuals and freelancers may also be required to contribute to social insurance, though their obligations can vary based on income and professional status. Some exceptions exist for low-income earners or specific professions.

Being *sozialversichert* ensures access to these benefits, which are funded collectively through mandatory contributions. The system aims to provide a safety net for individuals and families, promoting social stability and reducing financial risks associated with life events.