The Artists' Social Insurance Fund (KSK) is one of its kind in Europe and at present time provides approx.180,000 self-employed artists and publicists access to German social security plans such as their State Pension, Medical- and Long-Term Care insurances. Without KSK too many freelance artists and publicists would not be able to afford these safeguards that should be available to everyone and regardless of their social class. Our health now and financial security later, must always be imperative.
Contrary to rumours, KSK membership is not compulsory, tho’ the ideal solution for professional artists and journalists wanting to join the German social security system.
As a member of KSK you are treated as an 'employee' rather than a freelancer/ self-employed and once accepted you will benefit from the German social security insurances, i.e. statutory pension scheme and statutory health insurance. Having chosen the health provider, medical and long-term-care insurance are then in place and the monthly contributions are equally shared between the member and KSK.
Contributions towards the following German social security insurances are based on gross earnings, therefore KSK members must provide annual forecasts of their anticipated income and in the event of an audit will be asked to provide Profit & Loss Reports and/ or Tax Returns, supported by other acceptable documentation, such as: contracts, business proposals, orders, etc.
The total contribution rates for 2020 are:
- Pension Insurance: 18.6%
- Medical Insurance: 14.6%
- Long-Term Care Insurance
- for people older than 22 and without children: 3.55%
- for people younger than 23 and with children: 3.05%
In 2020 the social security insurance contrubtion rates for the majority of KSK members is 18.38% of their gross earnings.
The lengthy period having to wait for KSK's acceptance or possible non-approval of one's application, invariably produces concerns to those who in the meantime might become in need of a residence permit. Although in certain cases extensions are granted, this is indeed very much up to the Foreigners' Office (Ausländerbehörde) policy.
Another aspect people need to consider is that after months of waiting, when the day finally arrives in which they receive KSK's acceptance letter, they will be required to make back-payments on contributions towards the state pension scheme. The amount due in 2020 is 9.3% of the assessable income for both the "employee" (KSK member) and "employer "(KSK), totalling at 18.6%. Thus, having waited e.g. 8 months on 12,000€ assessable income, 744€ (8 months x 93€) needs to be paid in full and within 2 weeks of receiving KSK's Certificate of Membership.
For a relatively small service-fee, we at ERICON broker will assist you from the very beginning to the day you read KSK's final decision notice and, if necessary, even beyond.
Our KSK service includes:
- Preliminary check, to assess that all requirements are fulfilled
- KSK application processing
- Collection of all necessary paperwork
- Submission of the application package
- Assistance during the corresponding phase, between applicant and KSK
- Post-Acceptance service during the members whole membership
- Appeal Procedures, including referral to associating solicitor
Should you prefer a "hands-off" application procedure, simply grant us authority to act and communicate on your behalf (Power of Attorney).
With a 100% success rate, you can sit back and let others do the work.
"Künstlersozialkasse" / Artists' Social Insurance
What is the 'Künstlersozialkasse' (KSK)?
The Social Security Insurance for Artists & Writers (Künstlersozialkasse - KSK) is not actually a health insurer itself, but instead it acts as an employer that allows qualified artists and some other professions to apply for membership.
Upon enrolment the applicant will have access to German statutory (Public) health insurance scheme (GKV).
Is KSK membership compulsory for artists?
KSK membership is not compulsory, does however have one very interesting aspect - financial support.
As a member of KSK this means that you are treated as an 'employee' rather than a freelancer or self-employed. As such you are then entitled to statutory (public) health insurance (Gesetzliche Krankenversicherung – GKV), which can be provided by any of the many Kassen (companies). The monthly premiums are divided into two portions, the member pays approx. 50% and KSK subsidise the difference.
What is the minimum amount of income I must earn to join KSK?
What is my insurance number?
KSK are asking for your Social Security Number, which is made up of numbers and letters and is used to clearly identify a person within the social insurance structure. It consists of 12 digits in the following order:
- 1 and 2 - Pension Insurance Institute
- 3 to 8 - Date of birth (ddmmyy)
- 9 - First letter of Surname
- 10 and 11 - Gender identity
- 12 - Checksum
Although the Social Security Number is kind of similar to the Pension Insurance Number and latter can even be found on the Social Security Card, it is not the same because they have different identifiers.
Should you be missing your Social Security Number you can apply for it at the Pension Insurance Institute (Tel 0800 / 1000 4800) or simply let KSK do the job when accepted.
What will statutory health insurance costs in conjuction with KSK?
The cost of GKV insurance is related to income – on proposal every applicant will need to provide KSK an assessment of their anticipated annual income in form of a 'Profit & Loss Report' or Tax Return, supported by other acceptable evidence. These can be: contracts, business proposals, orders, bank statements, etc. The current monthly rate for GKV is 15.5% of your gross earnings – each employee pays 8.2% and KSK contribute 7.3%.
I am uncertain, should I apply for KSK membership?
If you are intending to remain in Germany long-term then membership of KSK is worth considering, despite the effects on your ‘bottom-line’ income. There are benefits to long-term membership. If however you are NOT planning to remain in Germany long-term, then you should seriously consider whether membership is worthwhile. Bearing in mind that your contributions to the various social security schemes, especially pension, are not always refundable and (pension) is only payable at retirement age. Pension does not actually acquire any value at all until you have been contributing for a qualifying period of 2 years.
One advantage of the European Union is that within the EU, this ‘qualifying’ period is valid in all EU Member States so no need to start this qualifying period again if you move within its boundaries.
.. the alternatives ...
The only alternative is not to join KSK. In this case you will have to sign up with a private insurance (Privat Krankenversicherung – PKV). This topic is quite complex, so you will need help from an intermediary/ broker such as ERICON broker or other health insurance specialists throughout Germany.
We strongly advise not to rely solely on advice from the insurance companies themselves. They will obviously only consider their own interests/ products and not the full range of options. As a non EU citizen the choice of German private insurers willing to accept an application is unfortunately very limited.
How do I apply for KSK and statutory health insurance?
Before applying for statutory health insurance you will need to receive the certificate of enrolment from KSK. The application for this needs to be submitted direct to KSK and may take a few months (up to 6 months is not unusual) - to be processed and approved.
Download the KSK Application here.
Please note that there is also no guarantee that every application will be approved - this is up to KSK and their strict adherence to the requirements!
This waiting period (and the possibility of non-approval) invariably produces problems for people who need a residence permit for Germany as this must normally be applied for immediately on entry into Germany, and all the requirements finalised (including health insurance) within 2-3 months. Although it is sometimes possible to get an extension but this is very much up to the Ausländeramt (Residence Permit Office/ Foreigner's Office), or even the individual official you are dealing with.
On receipt of KSK's approval certificate a proposal for statutory health insurance must be made to a Krankenkasse (statutory health insurer). This can be done directly with the company, however we recommend to consult a representative or broker, like ERICON broker, to deal with this matter, after all it is a complex issue. The decision of which GKV provider the applicant wishes to join up with is totally up the individual.
The last stage before completing the whole procedure is to inform KSK of the provider you have chosen.
Where can I find an official English information on KSK?