Sick pay running out (Aussteuerung)? These are your options
Your health insurer announces the end of your sick pay, the so-called Aussteuerung after 78 weeks? Or the sick pay is cut even though you are still ill? You are not falling into a bottomless pit: there are follow-up benefits, and you can defend yourself against an early stop.
Reach your next steps and the matching ready-made texts in just a few minutes, free of charge:
Objection / next steps →Your chances of getting your money back
What you should do now
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1. Secure gapless sick notes
Make sure the incapacity to work is certified without any gap (best on the last day of validity), otherwise a gap in your entitlement threatens.
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2. Apply for a follow-up benefit
Register in good time with the employment agency (seamless unemployment benefit) or check an application for a reduced earning capacity pension.
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3. Object to an early cut
If the sick pay is cut before the Aussteuerung, file an objection on time and submit medical findings.
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4. Use advice services
Independent patient counseling, social associations and the health insurer itself inform you about the next steps.
Frequently asked questions
How long is sick pay paid?
For the same illness a maximum of 78 weeks within three years (minus periods of continued pay from the employer). After that comes the Aussteuerung. Gapless sick notes are important so that no entitlement is lost.
What comes after the Aussteuerung?
Depending on the situation, unemployment benefit, which under certain circumstances is available even if you are still unable to work (seamless rule), or a reduced earning capacity pension. Register early with the employment agency and check the pension application.
Take action now
We put together the ready-made texts and the right places to contact for you.
General information for self-help, not legal advice (RDG). In case of a high loss or uncertainty: contact a consumer advice center or a lawyer.