Self-employed members pay the standard contribution, i.e. the maximum annual contribution applicable to employees. The standard contribution is calculated by applying the relevant contribution rate and the relevant contribution assessment ceiling of the statutory pension insurance scheme.
Contribution Levels and Assessment
If a member wishes to be assessed on an income-based basis, they must submit an application for a reduction by 31 May each year and provide proof of their earned income from the year before last, e.g. by submitting a copy of their income tax assessment. The application for a reduction will only affect the contribution if the income is below the assessment threshold for the year in question. The application may be submitted informally or using the e-form.
At your discretion
A member who is self-employed for the first time may set the compulsory contribution at their own discretion for the first two calendar years (lower limit: minimum contribution). As a lower contribution results in reduced insurance cover, the amount of the contribution should be carefully considered.
Things change. Please let us know!
Please let us know if any details relating to your membership change! This could include a new address, a change of employer, or a break in your medical practice or practice.
Frequently Asked Questions About Premiums
For self-employed members, parental leave is exempt from contributions provided no income is derived from self-employment. To this end, proof must be submitted by the KVS or a tax adviser. Contribution-free parental leave is available until the child reaches the age of three at the latest.
For employed members, parental leave is also contribution-free as long as they are not practising medicine or veterinary medicine. This is reported electronically via your employer. Parental leave can be split up until the child reaches the age of 8, subject to an application to the employer.
Yes. You have two options. You can keep your reduced contribution and increase your pension entitlement by making voluntary additional payments. This gives you greater flexibility. However, you also have the option of adjusting your chosen mandatory contribution to suit your needs within these two calendar years. Please feel free to contact us about this.
Contributions are always due at the end of the month. Advance payment is not permitted. Pension accrual only takes place once the payment has been offset against the compulsory contributions or voluntary additional payments, and not at the time of payment. (See the SÄV Articles of Association)
When you first start working as a self-employed person, you can set your own contribution level for the first two calendar years. As soon as the Sächsische Ärzteversorgung is notified that you have started practising, you will receive a form for self-assessment. However, you are also welcome to submit an informal request. Please note that the contribution you choose must be at least equal to the minimum contribution.
No. Your current income cannot be used as the basis for calculating a contribution reduction. In accordance with the Articles of Association, a contribution reduction is granted only on the basis of the proven income from self-employment for the year before last. Acceptable forms of proof include your tax assessment notice or a confirmation from your tax adviser.