The profession of the civil servants represents a special form under all groups of employees. The idea behind the civil service is to keep the state functional in all its areas of responsibility. Imagine if with every change of government, the employees of all government agencies were exchanged for others with the right party affiliation.
In addition to chaos in the public administration, a massive disruption of internal security would be the result. The takeovers sog. The assumption of so-called sovereign tasks by civil servants ensures a functioning homeland for the population – regardless of the government and political course.
- Alimentation principle
- Aid + health insurance
- Remuneration in old age
- Liability for service injuries
The salary of a civil servant is based on the alimentation principle. The employer has to take care of the civil servant. Therefore civil servants receive money already at the beginning of the month. The principle of alimentation is also the reason why civil servants do not have to pay social security contributions.
Proportionate medical expenses, pension as a retiree, coverage in the event of a work-related accident, etc. – the employer always participates in principle, but this does not necessarily lead to absolutely comprehensive coverage. Especially in the first years of service, the state pension of a civil servant is very bad.
Aid + health insurance
Unlike salaried employees, civil servants do not have their employer pay half of the contributions to a statutory health insurance scheme. The civil servant receives a proportional reimbursement of his incurred treatment costs. The amount of reimbursement depends on his respective aid rate.
The amount of the rate depends on the respective allowance regulations – civil servants with many children and pensioners receive a higher allowance. Also spouses and children of a civil servant have over this in principle a requirement on assistance (no own health insurance and/or. still existing child benefit eligibility provided).
Inability to serve
Officials don't become incapacitated – they become disabled. This statement may sound a bit petty, but the differences are enormous. Occupational disability is ultimately always determined by a doctor.
Whether a civil servant is unfit for service is decided solely by the employer. An official medical certificate serves him only for the orientation.
Remuneration in old age
The retired civil servant receives a pension. This can be used after 40 years max. ca. 70% of his last pay, which he still received in active service. If a civil servant does not reach 40 years of service, his or her retirement benefits are lower. Calculation is based on pensionable final salary only. Even though the civil service pension scheme is noticeably higher than the statutory pension scheme in this area, a 30% reduction in income opens up a large gap that will almost inevitably lead to restrictions.
Since no reserves are set aside for the retirement pensions of civil servants, you are a burden on the financial budgets until you pass away. The reductions of the last years are a good sign, where the way will go here. The fact that civil servants were included in the group of people eligible for Riester also happened for a reason.