Register for social insurance for self-employed artists or journalists
Source: BUS Rheinland-PfalzBefore the Künstlersozialkasse (KSK) can determine whether you are subject to compulsory insurance, it checks whether you meet the requirements for this.
According to the Artists' Social Insurance Act (KSVG), you are an artist if you
- music,
- performing arts or
- visual arts or teach them.
You are considered a publicist if you
- as a writer,
- a journalist or
- are active as a journalist in a similar capacity or
- teach journalism.
If you belong to one of these groups and meet all other requirements, your compulsory insurance includes general pension and statutory health insurance as well as social long-term care insurance. You must pay monthly contributions to the Künstlersozialkasse.
The contributions are calculated on the basis of
- the anticipated and pre-estimated income from self-employed artistic or journalistic work and
- the contribution rates for the individual branches of insurance.
As a self-employed artist or journalist who is compulsorily insured by law, you pay approximately half of the total contribution to the Künstlersozialkasse.
The other half of the contribution is paid by the Künstlersozialkasse on your behalf.
You are entitled to the same statutory health insurance benefits as employees. This also includes an entitlement to sick pay in the event of incapacity to work.
The Artists' Social Insurance Act provides for various exemptions from compulsory insurance. In addition, there are also options for exemption from the statutory health insurance obligation under certain conditions. You can obtain further information on this from the Artists' Social Insurance Fund.