Preparation of combination insurance is progressing

News 24.04.2025

Topics

Income security

In the mid-term review, the government has outlined that social security for part-time self-employed workers will be improved by introducing a combination insurance scheme. The new insurance will strengthen income security for both self-employed and employed workers. The reform will improve income security, especially in the creative sectors.

The Ministry of Social Affairs and Health prepared a model for combination insurance earlier this spring. Preparations are now underway for the entry into force of the combination insurance scheme and a consultation on the government proposal will take place later. At this stage, there is no further information on the possible date of entry into force of the combination insurance.

Combination insurance is designed to improve the income security of people who work alternately or simultaneously as self-employed persons and employees. It is a new type of unemployment insurance that could take into account both wage and salary income and self-employment income in the working condition. The aim is to improve income security for those who are excluded from it under the current model. It will also provide supplementary insurance for those who are already covered either as self-employed or as employees.

Combination insurance would cover all situations of combined self-employment and paid employment within the meaning of the Unemployment Insurance Act and situations of paid employment or self-employment and own-account employment. The aim is to make the combination insurance as inclusive as possible and thus the proposal would also allow certain family care situations to be combined with paid employment or self-employment, as well as MYEL-insured grant work and commissioned work.

Under the proposal, the working condition for combination insurance is 12 months over a 28-month reference period. The working condition for combination insurance would add together, at the level of the calendar month, self-employment income, income from own work, grants or allowances and wage income. A working condition month is met if the income is at least 930 € per month.

In principle, self-employment income is taken into account as income from work under the YEL insurance. If a person does not have compulsory YEL insurance, the income could be taken into account as income from voluntary YEL insurance. If the person has no compulsory or voluntary pension insurance, the income to be insured under the combination insurance would be based on the value of the labour input declared by the person to the unemployment fund. However, the insured income must be at least 1200 € per year. The insurance income would be valid for 12 months and could be changed once a year.

In order to receive daily allowance, the applicant must continue to meet other conditions for receiving daily allowance, such as labour market conditions.

The provision of combination insurance would be optional for the unemployment fund. The memorandum also contains a model for the financing of combination insurance.

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