Another pension question http://elt.yuku.com/topic/980/t/Another-pension-question.html en-us Copyright 2006, Yuku feeds@yuku.com (FeedMaster) webmaster@yuku.com (WebMaster) Thu, 01 May 2008 15:38:11 GMT Thu, 08 May 2008 21:34:52 GMT Yuku Feeds 1.0 http://blogs.law.harvard.edu/tech/rss 60 Yuku http://static.yuku.com//feed/bypass/images/button-yuku.png http://elt.yuku.com/topic/980/t/Another-pension-question.html Yuku - free hosted forums and profiles 88 31 {pics-1.1 "http://www.icra.org/ratingsv02.html" l gen true for "http://yuku.com" r (nz 1 vz 1 lz 1 oz 1 cz 1 ) "http://www.rsac.org/ratingsv01.html" l gen true for "http://yuku.com" r (n 0 s 0 v 0 l 0 )) Search Search Domain q http://yuku.com/search/direct/ <![CDATA[ Re: Another pension question ]]> http://elt.yuku.com/reply/1842/t/Another-pension-question.html#reply-1842 Hi Les

You are supposed to have health insurance cover - and the local authorities may refuse to issue you with the necessary permits if you don't have any.

To be honest though, I would take out health insurance cover because if you do need treatment here... ouch!

Not having any health insurance can be very expensive - especially if it involves an operation or a stay in hospital.

German schemes are... ]]> feeds@yuku.com (john) http://elt.yuku.com/sreply/1842 Thu, 08 May 2008 13:02:23 GMT <![CDATA[ Re: Another pension question ]]> http://elt.yuku.com/reply/1841/t/Another-pension-question.html#reply-1841 Hi John,

I reckon that this year, the combined totals of Rentenversicherung and Krankenkasse (if I paid them) would be more than 50% of my income, which makes working here a nonsense.

That raises another complex question - do you know if it's now obligatory for self-employed language trainers to take out Krankenkasse? I've declined this because of the high cost of it here and the... ]]> feeds@yuku.com (Les) http://elt.yuku.com/sreply/1841 Wed, 07 May 2008 17:46:47 GMT <![CDATA[ Re: Another pension question ]]> http://elt.yuku.com/reply/1840/t/Another-pension-question.html#reply-1840
The translating option is also worth looking into. Might be difficult to separate that work from teaching if you billed for teaching, but if you can show that 50% of your classroom time was actually spent translating emails, rather than teaching, the DRV will have to take that into account re. their backpayment demand.

If your students are prepared to back that up, you should be able to reduce the backpayment demand considerably.

Pension contributions and... ]]> feeds@yuku.com (john) http://elt.yuku.com/sreply/1840 Sun, 04 May 2008 19:29:12 GMT <![CDATA[ Re: Another pension question ]]> http://elt.yuku.com/reply/1839/t/Another-pension-question.html#reply-1839 Hi John,

Thanks for the info, it's given me something to work on and I feel a bit more relaxed about things.

Yes, Härtefall looks promising and could create a bit of breathing space to plan an alternative future.

Another option may be to argue that much of my time spent with companies was actually used for translating their emails etc. rather... ]]> feeds@yuku.com (Les) http://elt.yuku.com/sreply/1839 Fri, 02 May 2008 17:49:18 GMT <![CDATA[ Re: Another pension question ]]> http://elt.yuku.com/reply/1838/t/Another-pension-question.html#reply-1838 Hi Les

If you pack your bags and flee the country, the DRV will still demand back payments from you if they know where you are.

You can, of course, appeal against the decision and this usually holds everything up for several months while it goes to court.

If you don't have the money to pay the contributions they want, you can argue that you are a Härtefall - in other words, you wouldn't have enough money to live on. If that is the case, the DRV... ]]> feeds@yuku.com (john) http://elt.yuku.com/sreply/1838 Fri, 02 May 2008 16:14:47 GMT <![CDATA[ Another pension question ]]> http://elt.yuku.com/topic/980/t/Another-pension-question.html Also, is there any point in appealing a decision, and is it possible to delay the process while arranging a dignified retreat? And what... ]]> feeds@yuku.com (Les) http://elt.yuku.com/topic/980 Thu, 01 May 2008 15:38:11 GMT