Registering and insuring babysitters and childcare safely
Protecting the child and the nanny should be the top priority during the childcare period so that you can really use the additional time you have gained with a clear head. Once you have successfully found a nanny at HalloBabysitter.de, you need to register and insure your household help correctly.
We have summarised everything you need to know about fair and safe employment in the private household in 3 ½ steps.
1 How do you get started?
The start of any employment, even in the private sector, is an employment contract. This not only creates the legal framework, but also defines working hours, holidays and salary, among other things. However, the employment contract is only valid once the employment relationship with your childcare provider has been correctly registered. In Germany, there are three main forms of employment for private employers.
The mini-job, which covers a monthly salary of up to €520, the so-called midi-job with a salary range between €520 and €2,000 and part-time and full-time jobs with a salary of over €2,000. What they all have in common is that all legally required insurances are included. All forms of childcare can also be claimed for tax purposes. The mini-job is the most favourable form of employment – employees do not have to pay any taxes and employers are almost completely reimbursed for the costs in their income tax return. In the case of a midi job, the contributions for employees increase with the salary and, conversely, the costs for employers decrease with the amount of the salary. In the case of part-time or full-time employment, full contributions must be paid.
Things get a little more complicated when employees have multiple jobs, as some incomes are added together. Marie-Christin Kamann, CEO of quitt Germany, explains: “Legal employment in private households hardly entails any additional costs, but a high degree of complexity. In the jungle of regulations, it can quickly happen that someone is not registered correctly or the employment contract is void. quitt Germany simplifies this for private employers and takes care of everything from the employment contract to the correct employment and billing of the nanny.”
- Users of HalloBabysitter.de will receive €10 for the quitt Germany service with the voucher code HalloBabysitter.
2. Be properly insured
With the legally required insurances, which are included in all three forms of employment, private employers are basically very well covered.This includes accident insurance, which is so important in the private household and covers treatment costs and rehabilitation in the event of an accident during childcare hours or on the way to work. Of course, accident insurance only applies if the private employee is officially registered.Employers are obliged to continue paying wages for 6 weeks in the event of an accident.The go-quitt.de service also includes the application for reimbursement of costs. Employer insurance, which covers the obligation to continue to pay wages during illness and maternity, and pension insurance for employees are also included in all forms of employment.
In addition to the statutory insurances, professional liability insurance can be arranged for the employee, which covers, for example, damage in the household such as a vase breaking.
Additional private accident insurance for your child can also be useful. This also applies outside of the childcare period.
It should be noted that, depending on the contract, additional insurance policies may become null and void in the event of illegal work.
3 What do I need to bear in mind during the employment relationship?
As mentioned, an employment contract is absolutely essential. The most important topics in the contract are holidays, working hours and time limits, salary, sickness and maternity.
Working hours and wages can of course be freely chosen, although the minimum wage of €12 also applies in the private sector.In Germany, it is also not possible to pay out holiday days directly.Holiday is calculated according to the number of days worked (regardless of the number of hours) and is between 1 and 24 days per year.If your nanny is ill, you as the employer continue to pay the salary for 6 weeks, but can apply for reimbursement of 80% of the salary costs.You can request a medical certificate from your nanny from the first day, and this is mandatory from the third day.In the event of pregnancy, 100% of the employer’s costs are covered by the employer’s insurance.
The employment contract can be agreed for a limited or unlimited period. If it is for an indefinite period, the statutory notice periods apply, which must be recorded in the contract.
3 ½. How can I make the best use of the time I have gained?
With a clear head thanks to a secure and correct employment relationship!The quitt service takes care of all administrative processes simply and digitally and ensures a fair employment relationship – from the employment contract to registration and communication with all authorities, time recording and holiday calculator as well as insurance billing. You also receive useful templates, for example to apply for the tax refund mentioned at the beginning.