Registering a pensioner and business. Maximum limit, health insurance?

Byplohmann April 12, 2023February 19, 2025

I'm retired and I give private lessons, which makes about €500 a month. Will this affect my health insurance?

If I register a business (small business) I can probably claim costs such as a home office.

Would I have to take out liability insurance?

Is there anything else to consider?

Thank you for your effort!

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SyntaxError95

2 years ago

I am not a lawyer or tax advisor, but I can give you some information that I know:

Health insurance: As a retiree, you are generally covered by statutory health insurance, either compulsorily or voluntarily. If you earn additional income from your secondary employment, this may affect your health insurance contributions. Therefore, you should contact your health insurance provider to find out how your income from tutoring affects your contributions.
Business registration and taxes: If you register a small business, you can indeed claim certain expenses, such as those for a home office. However, I recommend contacting a tax advisor or the tax office to find out what steps you need to take and what your tax obligations are.
Liability insurance: Professional liability insurance can be useful (although, to my knowledge, it's not mandatory) to protect yourself against potential claims for damages that may arise in connection with your work as a tutor. It's advisable to contact various insurance companies to find out about suitable offers and consider whether such insurance makes sense for your situation. (Be careful that no one “talks” you into buying insurance.)
Other: Make sure you comply with all legal and tax obligations, including business registration, VAT and income tax returns, and compliance with rules and regulations that apply to working as a tutor.

In general, however, I would advise you to contact an expert in this area who can better assess the legal situation in order to leave as little room for surprises as possible.

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plohmann

2 years ago

Reply to SyntaxError95

Thank you very much! Very helpful!

SyntaxError95

2 years ago

Reply to plohmann

Thank you, I'm glad 🙂

siola55

2 years ago

Did you already know or read?

https://magazin.minijob-zentrale.de/hohere-steuerfreihaben-ehrenamt-uebungsleiter/

Greetings siola55

PS: No, I haven't heard of that. Does that apply to tutoring?

Income from part-time activities as a trainer, instructor, educator, carer or similar part-time activities , from part-time artistic activities or part-time care of elderly, sick people or people with disabilities in the service of or on behalf of a legal entity under public law located in a Member State of the European Union, in a state to which the Agreement on the European Economic Area applies, or in Switzerland, or an institution for the promotion of non-profit, charitable and ecclesiastical purposes covered by Section 5 Paragraph 1 Number 9 of the Corporation Tax Act (Sections 52 to 54 of the Fiscal Code) up to a total of EUR 3,000 per year. ² If the income for the activities referred to in sentence 1 exceeds the tax-free amount, the expenses directly economically related to the part-time activities may, in deviation from Section 3c, only be deducted as business expenses or advertising expenses to the extent that they exceed the amount of tax-free income;

http://www.gesetze-im-internet.de/estg/__3.html