Child sickness benefits
SBK provides you with child sickness benefits so that you can stay at home to look after your sick child
When it comes to child sickness benefits, a portion of your gross salary will be paid by your health insurer when your child is sick, allowing you to focus on looking after your little one.
In order to receive child sickness benefits from SBK, you must not be receiving any salary from your employer during this period, your child must have statutory health insurance cover and there must be no other person in your household capable of looking after your child in your place.
- SBK offers child sickness benefits for children younger than 12 years old.
- If, however, your child is disabled and dependent on help from others, this age restriction does not apply.
- Each parent with statutory health insurance cover is entitled to a maximum of 10 days of child sickness benefits if one of their children falls ill.
- In the case of more than two children, this period increases to a total of 25 days.
- Single parents are entitled to up to 20 days of child sickness benefits, or up to 50 days if they have more than two children.
As of 1 January 2015, child sickness benefits amount to 90% of the parent’s usual net earnings. If in the last 12 calendar months prior to taking time off work they have received lump-sum payments, the value of the child sickness benefits rises to 100% of the usual net earnings. The gross maximum amount of sickness benefits paid out for a sick child is € 109.38 for each calendar day (2020).
The sickness benefits paid out to help care for a sick child are generally subject to deductions for nursing care, pension scheme contributions and unemployment insurance. The SBK deducts these contributions prior to paying out the sickness benefits and transfers them to the relevant insurance provider along with the amounts to be paid by SBK.
Here’s how to take advantage of child sickness benefits
Contact your paediatrician or GP to request a medical certificate to cover sickness benefits in the event of child sickness. Please complete the form on the back of this document and send the certificate to SBK, 80227 Munich, Germany. Payment will be made to you as soon as we receive the necessary documents from your employer.
Child sickness benefits – your SBK benefits
- We will contact your employer directly for details regarding your income level – there’s no need for you to do anything here.
- If you need to accompany your child to hospital for medical reasons to receive inpatient treatment, SBK will cover your loss of earnings in place of the child sickness benefits.
- You can supplement your insurance with the SBK family tariff to receive an additional €15 per day in child sickness benefits. You can find out more about this additional insurance cover from your personal consultant.
- The entitlement to take time off work to look after a sick child is often regulated by collective wage agreements, in which case you will automatically continue to receive your wage when your child is sick. Ask your employer for more details.
- If both parents have statutory health insurance but this is with different insurance companies, then the insurance company of the person caring for the child pays out the child sickness benefits regardless of which company the child is insured with.