bobbyger

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About bobbyger

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  • Location UK
  • Nationality Scottish
  • Gender Male
  • Year of birth 1974
  1. Pflegeversicherung back payments

    Looks like we have it sorted. The woman from TK wasn't aware of the rules, when you leave and go to insurance provided by an international organisation, the company you were with before has to take you back regardless of age.
  2. Income Tax Proggresions Provisio

      PandaMunich,   Thanks for your reply however, NATO International Civilian (NIC) wages and remunerations are tax-free. This counts for all NICs whether they are residing in their own country or another. There are no NICs anywhere in NATO that pay tax on their wages.   The second part I have made bold about my pension is interesting as I am not a nationalised German. I am looking to get my German citizenship but that will be in a year or so.   Thanks for the link to the calculator. I did see that one but because there are that many online ones, I was wanting a good one. Cheers
  3. Switching from Private to Public health Insurance

      Unless your over 55, and have an offer for your first job in Germany for over 20 years, were insured when you arrived as a family member of GKV and moved with your husband to an international Insurance for just under 2 and a half years because of his job. Then you're completely up S*** Creek without a paddle.
  4. Income Tax Proggresions Provisio

    Hi, I am resigned to the fact now that I have to use the progressions provisio for my Tax Free wages (Even though Germany seems to be the only country that does this for NATO Wages)   Can anyone point me to a good Progressionsvorbehalt Rechner. I see a lot online but get different outcomes between all of them. What I am looking for is one that will take into account my Taxable income (UK Military Pension and German Rental Income) along with my Tax Free income.   Thanks
  5. Pflegeversicherung back payments

    Yes there probably is a lot of freeloading. however my job does not meet the Versicherungspflichtgrenze for PKV. I was forced by NATO to move to the Non-German Compliant insurance. There was no communication from TK when we cancelled that my wife would have trouble if we wanted to move back. There is a lot of information available and not all is correct. plus the laws are a minefield to navigate. I have already spoken to my HR and informed them of these issues and the fact they need to look into it and advise accordingly on any potential pitfalls but for 29 member states it is very difficult to keep track of them all. What would be better is clearer guidance/regulations at the individual country level for how to handle NATO/International organisations when it comes to returning to the national Health insurance system. (Possibly making the regulations quoted by Starshollow easier and cleared for the insurance companies to understand)   I understand the need to cut back on freeloading. However, not every situation is a round peg for a round hole and people should not be penalised for joining international organisations.
  6. Pflegeversicherung back payments

      This seems to be an issue that relates again to someone joining NATO and being outside the "Norm". My wife has contacted a lawyer and he is going to the Social Court in Dusseldorf next week and will enquire.   The way I see it is we were GKV insured then according to the information from Starshollow we were basically outside the German system. So I don't know how that affects going back into GKV after 55 Years of age and especially when you need to in order to start work in a job where you don't meet the Versicherungspflichtgrenze for compliant German PKV.
  7. Now faster way (back) into public health insurance

    @Starshollow could this possibly be used In my case where my wife now wants to return to employment. As you will know from our previous discussions, I was public insured through TK but paying all premiums as I was self employed. My wife wasn't working so was covered under my insurance. When I started working for NATO I had to move to their insurance. In the past 5 years it has been just over 2.5 years with TK then just under 2.5 years with the NATO insurance (only a matter of weeks difference).  Would those years with the NATO insurance count towards being regarded as publicly insured under the regulations you quoted me previously.    Thanks 
  8. Pflegeversicherung back payments

    Okay, please excuse my ignorance, my German is not that great, especially when it comes to legal text.   Do I take it that the only way we can go is for my wife to get private insurance as she needs her own insurance when working and cannot be covered by my Allianz WWC which she is covered by at the moment as a spouse? If so, then it will not be worth her working as the insurance premiums would be so high that it would take most of her wages. most of the ones I have seen would be around 600 to 700 euros.   I find it really bad that someone who was covered by family GKV and because their husband was forced to change from the GKV he had to an international Private insurance, cannot go to work and pay taxes etc. because they want to start work again later in life when the PKV premiums would be too high to make it worth while.      
  9. Pflegeversicherung back payments

    My wife will only earn 1300 per month so as far as we are aware, it does not meet the limit for private health insurance (62550) and if she could get it, it would be too expensive due to her age (56) compared to her wage. My wife is German but has not worked in Germany for years due to my time in the British forces where she followed me around Europe.  The timeline for all of this is: July 2014 - left the British armed forces / moved to Germany and registered with the Geminde / joined TK (whole Family cover) as I started working as a contractor July 2017 - Was hired directly by NATO (Still residing in Germany but working in Netherlands) / Had to leave TK as NATO forces you to use their insurance (Allianz WWC) Now - My wife has an offer of job but TK will not take her back due to being 56.  
  10. Pflegeversicherung back payments

    Starshollow,    We are now having issues with my wife trying to get health insurance.  She is over 55 and is currently covered by my NATO insurance. She wants to go back into employment part time with a net wage of around 1300 euros per month.  We were with the TK from July 2014 to July 2017 when I was a contractor working at NATO. From July 2017 to now I have been with NATO and will be for the foreseeable future.  The problem we have now is TK will not take my wife back as she is over 55. Plus, she does not meet the income limit for Private insurance. So at the moment she is unable to get German health insurance.  Currently we are trying to use our legal insurance for advice, but as you were very helpful before, I thought you may have some advice for us.    Apologies for the multiple quotes, my phone threw a wobbly.    Thanks 
  11. Pflegeversicherung back payments

    Many Thanks for the info . We have tried LVM who said they would not accept and asked for payment of insurance for the period she was under my cover at Allianz WWC. We have now gone to Allianz to see if they will give her the insurance.   In regards to the law you mentioned, is it the following as I see no mention of NATO/EU/UN etc:   bb) Heilfürsorge-, Beihilfeberechtigte u.Ä. (§ 193 Abs. 3 S. 2 Nr. 2 VVG)   Rz. 15 Die Versicherungspflicht gilt auch nicht für Personen, die Anspruch auf freie Heilfürsorge haben, beihilfeberechtigt sind oder vergleichbare Ansprüche haben, im Umfang der jeweiligen Berechtigung. Freie Heilfürsorge steht insb. Polizeibeamten (z.B.: § 1 BbgPolHV) und Berufsfeuerwehrleuten (z.B.: § 1 BremHfV) zu, über vergleichbare Ansprüche (Begriff: § 194 Abs. 1 BGB) verfügen Soldaten und Wehrpflichtige (§ 69 Abs. 2 S. 1 BBesG, § 6 S. 1 WehrsoldG). Beihilfeberechtigt sind (sonstige) Beamte. Dagegen verfügen die Mitglieder im Spar- und Unterstützungsverein für Polizeibeamte nicht über vergleichbare Ansprüche, weil es an der rechtlichen Durchsetzbarkeit fehlt (OLG Oldenburg, VersR 2012, 87). Abgesehen davon wäre Vergleichbarkeit nur zu bejahen, wenn sich die Ansprüche entweder gegen den Staat selbst oder gegen eine Einrichtung richten, die der Versicherungsaufsicht unterliegt (OLG Oldenburg, VersR 2012, 87; vertiefend: Both, VersR 2011, 302, 304).     Again, thanks for the information.
  12. Income Tax Proggresions Provisio

    Hi, I have a question on Tax Free income and the Progression Provisio. I work for NATO in the Netherlands but live in Germany. NATO Wages are for civillains are Tax Free but the Finanzamt are including this in my Steuer Erklarung in the Progressions Provision therefore my UK military pension is being taxed at a much higher level. I understand that normal wages that are subject to tax must be included in the tax calculation, but NATO Wages which are Tax Free being included to raise tour tax level seems a bit off. Does anyone know the regulations for this?   Thanks
  13. Pflegeversicherung back payments

    Hi, I have a question about Pflegerechtversicherung. I was self employed acting as a contractor for NATO, living in Germany and working in the Netherlands. I was paying Health insurance through TK which was fine. I then got a employed directly by NATO and had to move to their Health Insurance system "Alliance Worldwide" My wife who is German was not working at the time so she and my daughter were covered first by TK then by "Alliance Worldwide" My daughter now has an apprenticeship with the Finanzamt and requires her own health insurance. However, no company will accept the proof of previous Health Insurance from Alliance Worldwide (Even Alliance Germany) because it did not include Pflegerechtversicherung. The workaround we got from the insurance companies we spoke to is to BackPay the Pflegerechtversicherung which for my daughter for 2 years we were quoted around 500 euros. When I check online for Pflegerechtversicherung policies, my daughter would pay around 9 euros per month so no more than 250 Euros for the 2 years we missed. Are there any regulations for backpayment of Pflegerechtversicherung because 500 euros seems very high.   Thanks
  14. Hi, I have a question on Tax Free income and the Progression Provisio. I work for NATO in the Netherlands but live in Germany. NATO Wages are for civillains are Tax Free but the Finanzamt are including this in my Steuer Erklarung in the Progressions Provision therefore my UK military pension is being taxed at a much higher level. I understand that normal wages that are subject to tax must be included in the tax calculation, but NATO Wages which are Tax Free being included to raise tour tax level seems a bit off. Does anyone know the regulations for this?   Thanks
  15. Hi, I have a question about Pflegerechtversicherung. I was self employed acting as a contractor for NATO, living in Germany and working in the Netherlands. I was paying Health insurance through TK which was fine. I then got a employed directly by NATO and had to move to their Health Insurance system "Alliance Worldwide" My wife who is German was not working at the time so she and my daughter were covered first by TK then by "Alliance Worldwide" My daughter now has an apprenticeship with the Finanzamt and requires her own health insurance. However, no company will accept the proof of previous Health Insurance from Alliance Worldwide (Even Alliance Germany) because it did not include Pflegerechtversicherung. The workaround we got from the insurance companies we spoke to is to BackPay the Pflegerechtversicherung which for my daughter for 2 years we were quoted around 500 euros. When I check online for Pflegerechtversicherung policies, my daughter would pay around 9 euros per month so no more than 250 Euros for the 2 years we missed. Are there any regulations for backpayment of Pflegerechtversicherung because 500 euros seems very high.   Thanks