Eine Familie in der Abendsonne ist glücklich mit Ihrem Gehaltsschutz

Logo der Protect AG

Der Schutzbrief für Ihr Einkommen

Belastungen für Immobilien, Auto oder Investitionen in Kinder oder die Pflege der Eltern entspannt angehen.

Das Einkommen im Falle einer Arbeitslosigkeit oder Arbeitsunfähigkeit absichern.

Der Gehaltsschutz für Lohn- und Gehalt bietet bis zu 24 Monate zusätzliche Sicherheit.

Jetzt ein individuelles Angebot berechnen!

Mehr erfahren >
Bitte wählen Sie Ihr monatliches Bruttoeinkommen aus:
  • Klasse I
  • Klasse II
  • Klasse III
  • IV, V, VI
  • Nein
  • Ja
  • West
  • Ost
2.343 €
1.387 €
Arbeitslosengeld I
956 € Netto-Lücke bei Arbeitslosigkeit

Bitte durchschnittliches Bruttogehalt inkl. Sonderzahlungen eingeben. Geschätztes monatliches Netto-Einkommen . Anspruch auf ALG I in Höhe von .


Zur Detail-Berechnung

Die Vorteile

Für die Sicherheit
der Familie

Das Einkommen in Phasen finanzieller Belastungen absichern: Lebensstandard und Unabhängigkeit für die gesamte Familie.

Mehr erfahren >
Für die Immobilien-finanzierung

Während der Finanzierung von Immobilien kann das Einkommen für bis zu 24 Monate auf dem Niveau des heutigen Netto abgesichert werden.

Mehr erfahren >
Für die Fahrzeug-finanzierung

Während der Finanzierung oder des Leasings von Fahrzeugen kann das Einkommen bis zum Niveau des heutigen Netto abgesichert werden.

Mehr erfahren >

Hilfreiche Tipps

Fortzahlung des Einkommens bei Arbeitslosigkeit (ALG I)

Was passiert, wenn man aufgrund einer betriebsbedingten Kündigung unverschuldet seine Arbeit verliert? Der Anspruch auf Arbeitslosengeld deckt lediglich ca. 60% des bisherigen Nettoeinkommens ab (bei Kindern 67%). Darüber hinaus ...

Mehr erfahren >
Krankengeld bei Arbeitsunfähigkeit

Im Falle einer Arbeitsunfähigkeit von mehr als 42 Tagen wird - sofern Anspruch darauf besteht - ein Krankengeld ausgezahlt. Dies ist geringer als das aktuelle Nettoeinkommen.
Jetzt einfach die voraussichtliche Einkommenslücke berechnen.

Jetzt berechnen >
Exklusiv für Angestellte und Arbeiter

Der savme Gehaltsschutz ist aktuell leider nur für Arbeitnehmer mit einem sozial-versicherungspflichtigen Einkommen verfügbar. Ob ein Anspruch auf Krankengeld besteht, hängt bei freiwillig Versicherten von der Beitragsklasse ab.

Jetzt berechnen >

Using a Western european marriage company can be a quite effective way of tying or braiding the knot. These relationship agencies have a vast number of well-known and popular European celebrities among which marital life proposals are very common. As such, agencies that specialize in liaising with these kinds of famous people offer quite attractive deals. However , there are a few steps that a potential soon-to-be husband should take to make sure that his American marriage proposal is of the very best quality.

The first step that a groom is going to take is to request a meeting along with the prospective Western marriage firm. In many instances, this meeting usually takes place in the office of the potential groom's decision. In other cases, the potential soon-to-be husband may decide to travel to Europe on his own to meet the potential European marriage agent. Regardless of which situation is selected, it is always important that the designed marriage spouse has an idea of how to approach the marriage proposal method. All things considered, it will be one more presentation with the bride's wedding band that will seal off any deal.

- Be sure that the proposal is offered in a manner that can excite the bride. Also to making certain that the ring is shown in an ideal fashion, it is also vital which the proposal be presented within an equally eye-catching way. For instance, in the event the proposal is usually to be in front of several witnesses, it is just a good idea to organize a romantic speech for the groom for making. In this way, the bride may have something to wax poetically italian mail order bride about during the actual wedding web meeting!

- Pick a ring that she will get pleasure from wearing on her finger. Several brides just do not take care of the huge size of the wedding bands and will try some fine simpler and smaller design and style. While some is going to prefer a even more elaborate engagement ring, the vast majority of women of all ages are more than happy to acquire a simple band best suited comfortably troubles finger. This ensures that the groom's hard work is not wasted in trying to encourage the star of the wedding to add an expensive diamond to the ring.

- Ask wedding agency to make certain it provides it is clients with multiple options in order to present the woman with a wedding band that best suits her requires. A good matrimony agency are able to offer equally engagement and wedding groups in different products and styles. Additionally , they should also be able to present options just like solitaire wedding rings, which can be quickly combined with a straightforward band. This allows the couple to generate their own completely unique statement inside the ring, making it distinctly their own.

- A further essential requirement of a marriage agency is to ensure that the bridegroom receives his share of thank you records. A good organization should have a number of forms of connection available to the clients. For instance, the marriage organization may send each bridegroom a thanks for your time note following the wedding ceremony in which it expresses it is gratitude with respect to considering the groom as a upcoming spouse. Occasionally, the organization may even supply the groom having a small treat in order to thank you for taking the time to consider them being a potential partner.

For those who are wondering how to meet Oriental women, I use some good information for you. Looking to discover the technique that many men worldwide have been completely looking for. You should know about this secret before, you are about to find out the suitable information that could change your love life permanently. It is each and every one because of the you group of ladies that can improve everything! Girls from China!

Ever wondered how they find take pleasure in? Do you contemplate how handsome they are? Or how eye-catching are they? Very well, there are so many things about the life of a Chinese language lady which makes her a perfect match for your man that is serious about locating love and romance. If you would like to meet Offshore women internet, here is how you may do just that.

To begin with, you should know that Chinese online dating services websites are extremely popular in America and the British. Millions of men each day to log on to these websites to find beautiful ladies supply by china manufacturer, India, Korea, and other Asian countries. This is why they may have become popular. All you have to do to meet Oriental women online is by using a quality Chinese dating website.

The truth is, Chinese people were never permitted to marry and also the or have a home in America or perhaps anywhere else either. They had to develop their own lifestyle and name. Since Tourists and Europeans brought so exciting and success to their new home, Chinese language people desired to bring their traditions with them. They started out using online dating sites apps to achieve this. Their target was to develop more Far east immigrants in the usa by creating more Offshore American families.

The problem is that these solitary Chinese women of all ages want to get wedded to numerous Americans as it can be. They want to arrive to America and start family members. Unfortunately, they generally end up in horrible relationships as the American how to find a chinese wife man can be not willing to give up his dream of possessing a white better half. This is why you have to make sure that you meet only accurate, decent Offshore ladies so, who are trying to generate a better life for themselves and their families.

When you start trying to find an authentic seeing platform, you have to know that there are plenty of scams out there. Many Asian girls desire to meet Far east women online, but they often discover fake single profiles. Some websites try to bill a fee to help you to view the database of Chinese solitary females. Then they promote the personal facts they accumulated to the top bidder. You're know how to verify a home page's background, make sure to ask prior to giving any cash. Otherwise you may be scammed away of your hard-earned money!

Are you interested in learning to find an Asian wife? There are many paths you can take, from online dating to locating a local Hard anodized cookware community. If you live in the United States, there are many dating services you may sign up for. If you don't have access to your personal computer, you can also use Internet dating or chatting bedrooms to talk to Asian girls. This article will talk about how to find an Asian wife.

When looking for a great Asian star of the wedding, always check the girl's qualifications. Check her identity and see in the event she has lived in an area that is certainly close to your own. As well, take a look at her picture and confirm that the lady looks like the bride inside the picture. If at all possible, try to find an image of the genuine bride.

Once you've verified the girl occur to be talking to may be the bride in the photo, you could start trying to find out more about her. What does your woman like to do in her spare asian brides to order period? What are her hobbies? Happen to be she betrothed or certainly not? You can find marital relationship proposals about Asian brides' website, yet be careful like a websites require money to look at them, whilst others aren't.

After getting found a couple of possible fits, start sending marriage plans. Usually send a relationship proposal document to the girls you're interested in. Make sure you tell her you like her, that you want to marry her, and that you want to start a home together. Wedding proposal can be your first step in mastering how to find an Asian wife.

Once you've created the marriage pitch, you need to wait a while before starting asking questions about the bride. Be certain she answers you quickly and frankly. Get all her details including identity, address, bday, and Social Security number. Question her about her family group, where the woman grew up, and if she's at any time taken off-residentships. This will help you learn more regarding her, and it will also provide you with a better idea of what kind of person she is.

When you follow these simple steps you'll find more information about the lady you're trying to find than you at any time believed possible. You happen to be qualified to determine more about the potential bride just before you meet up with her. If you finally consult with her, you are going to know that you could have a good chance of getting her home. That is definitely how to find an Asian better half!

If you have ever dreamed about marrying a person from East Europe and having your marital life planned out having a foreign nationwide, you might want to consider mail buy brides. This is because there are asian ladies for marriage many benefits that https://mailorder-brides.net/region/asian/ you can obtain from that when compared to the other traditional strategies of marriage which in turn involve the bride's family going to the region where the bridegroom is right from. While this may seem like a good way for the bride to tie the knot, there are not cons which will get married into a foreign national without her family knowing about it. This means that there are some things a bride should know about prior to she decides to marry to a international national by using a mail buy brides support.

Mailbox order wedding brides can be defined as any person who vacations to another country to get married to someone. That is normally done in the context of put in place marriages when the bride's family pertains to the wedding to oversee the wedding ceremony and the complete marriage process. Some countries essentially frown in marriages like this, especially Far eastern European countries, because of the risks that they can may confront if they come into exposure to someone from a different nation that they have no idea or trust.

Ship order brides can pose a number of security risks for the folks that are engaged and getting married to a girl that they can't say for sure. The reason is these girls will be carrying fake papers or recognition and the husbands will be using their real details and birthdates. This means that there are many of details that the bride-to-be should know just before she gets married to a foreign countrywide through a -mail order brides service.

Leistungen im Schadenfall

Wir bieten unseren Gehaltsschutzbrief (Arbeitslosigkeits- und Arbeitsunfähigkeitsversicherung) an. Mit dem Gehaltsschutzbrief können im Versicherungsfall die, bei einer längeren Arbeitslosigkeit oder Arbeitsunfähigkeit zu erwartenden, Einkommenslücken geschlossen werden. Der Versicherungsschutz setzt den Bezug von Arbeitslosengeld I (ALG I) voraus. Ein Anspruch auf ALG I entsteht, wenn ein sozialversicherungspflichtiges Arbeitseinkommen von mindestens 12 ununterbrochenen Beitragsmonaten in der gesetzlichen Arbeitslosigkeitsversicherung vorliegt. Dann startet der Anspruch mit 6 Monaten ALG I und steigert sich stufenweise, je nach Beschäftigungsdauer und Lebensalter, auf bis zu 24 Monate. Die optionale Leistung bei Arbeitsunfähigkeit beginnt, wenn die Lohn-/Gehaltsfortzahlung nach 6 Wochen endet und Krankengeld (sofern ein Anspruch besteht) gezahlt wird. Weitere Informationen finden Sie in unserer Kundenbroschüre. Im Versicherungsfall zahlt der Versicherer monatlich die im Versicherungsschein ausgewiesene Summe aus, maximal 2.000 EUR. Mit diesem Betrag können die laufenden Lebenshaltungskosten ohne zusätzliche Einschränkungen gedeckt werden.

Leistungsbeginn bei Arbeitslosigkeit

90 Tage
Ab Tag 61 wird die Leistung rückwirkend von Tag 1 gezahlt
60 Tage¹
Max. 24 Monate

¹ Es besteht kein Leistungsanspruch, wenn Sie binnen 60 Tagen wieder eine neue Beschäftigung aufnehmen. Dauert Ihre Arbeitslosigkeit länger als 60 Tage, so leistet der Gehaltsschutz rückwirkend ab dem ersten Tag. Ihre Leistungen erhalten Sie für die Dauer des Status ALG I (max. 24 Monate).

Leistungsbeginn bei Arbeitsunfähigkeit

90 Tage
Ab Tag 43 wird die Leistung gezahlt
42 Tage²
Bis Ende der Arbeitsunfähigkeit oder der Feststellung einer Erwerbsunfähigkeit bzw. Vorruhestand/Ruhestand

² Im Falle einer Arbeitsunfähigkeit erhalten gesetzlich Pflichtversicherte im Regelfall eine 6 wöchige Lohnfortzahlung durch den Arbeitgeber. Somit entstehen Ihnen in den ersten 42 Tagen noch keine Einkommenslücken. Mit Beginn des Krankengeldbezugs ab dem 43. Tag setzt die Ergänzungsleistung aus dem Gehaltsschutz ein.

Beantragung des Gehaltsschutzes

Ausschlaggebend ist Ihr Kenntnisstand bezüglich einer Kündigung bei der Beantragung, damit das Geld auch im Bedarfsfall unproblematisch ausgezahlt werden kann. Zu beachten ist, dass etwa vor Antragstellung noch keine Kenntnis von einer betriebsbedingten Kündigung vorhanden sein darf. Weder durch Arbeitgeber noch durch konkrete und Sie betreffende Berichte in den Medien oder Gespräche mit Kollegen. Der Gehaltsschutz würde, wie fast jede andere Versicherung, nicht funktionieren, wenn eine nachträgliche Absicherung bereits bekannter Schäden möglich wäre. Im Rahmen des Antrags sind Fragen zum Beruf und Versicherungsstaus notwendig. Leider kann der Gehaltsschutz aktuell nicht beantragt werden, wenn Sie einer der nachfolgend genannten Berufsgruppen angehören: Selbstständige, Beamter, Richter, Soldat, Azubi, Probe- oder Saisonarbeiter.

Fakten zum savme Gehaltsschutz für Arbeitnehmer

  • Günstiger Beitrag auch monatlich zahlbar.
  • Direkter online Abschluss mit sofortiger Policenzustellung.
  • Absicherung mit bis zu 2.000 Euro Zusatzgehalt ist möglich.
  • 30 Tage Widerrufsrecht mit 100% Kostenerstattung.
  • Professioneller Bedarfsrechner für die Ermittlung der passenden Summe.
  • Keine Leistung bei Kurzarbeitergeld.

Premium Partner