How high is my sickness benefit? Here is how it is calculated
Anyone who is ill for longer than six weeks receives sickness benefit from the statutory health insurer after the employer's continued pay. It only partially replaces the wage; how high it is can be calculated.
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What you should do now
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1. Clarify the entitlement
Sickness benefit is available after the end of continued pay (generally from the 7th week).
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2. Estimate the amount
70% of gross, at most 90% of net, minus social insurance shares.
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3. Keep sick notes uninterrupted
Watch for a seamless follow-up certificate so the entitlement is not interrupted.
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4. Object if there are problems
If the calculation is too low or benefit is refused, you can file an objection (§ 84 SGG).
Frequently asked questions
How high is sickness benefit?
It amounts to 70% of your gross earnings, but at most 90% of net earnings (§ 47 SGB V), capped by the contribution assessment ceiling. From this amount, your contribution shares for pension, unemployment, and long-term care insurance are still deducted. It is therefore noticeably below the normal net wage.
How long do I receive sickness benefit?
For the same illness, at most 78 weeks within three years, with the period of continued pay by the employer counted in. Uninterrupted sick notes are important: even one gap can jeopardize the entitlement. Get a follow-up certificate in good time.
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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.