Queries

[tengssac]

Hi Friends,

I am a German national and will be moving to Finland for long term assignment with my family (wife and a kid, both are dependent on me).

1. What is the tax rate applicable for me (income around 50,000 EUR) by taking two dependents into consideration?

In Germany a small amount of monthly payment is made for a child till the age of 18 years (so long the child is resident of Germany).

2. Does the Finnish Government offers similar help for EU nationals residing in Finland?
Of course as my child will move with me to Finland, the payment in Germany will be stopped.

3, Also any suggestion on the medical insurance one has to opt for? What types of insurance are offered (government/private). Any links to read will be helpful.

Kind Regards

[Adrian42]

Hi Friends,

I am a German national and will be moving to Finland for long term assignment with my family (wife and a kid, both are dependent on me).

1. What is the tax rate applicable for me (income around 50,000 EUR) by taking two dependents into consideration?

http://prosentti.vero.fi/VPL2013/Sivut/ ... iedot.aspx

Depending on your residence and religion you will have a tax rate around 27%.

In Germany a small amount of monthly payment is made for a child till the age of 18 years (so long the child is resident of Germany).

2. Does the Finnish Government offers similar help for EU nationals residing in Finland?
Of course as my child will move with me to Finland, the payment in Germany will be stopped.

http://kela.fi/web/en/child-benefit_amount

3, Also any suggestion on the medical insurance one has to opt for? What types of insurance are offered (government/private). Any links to read will be helpful.

If you think healthcare in Finland is in any way similar to healthcare in Germany you are completely wrong.

In Finland all social security (unemployment, healthcare, pensions, student money, child benefits,...) goes through Kela. If you have a job contract for at least 2 years you and your family will be covered by Kela.

Employers often additionally provide private healthcare to the employees, but that's nothing you have any influence on.

All the above assumes you will have a normal employment at a Finnish company. If you are a posted worker you will continue to be covered by the German social security system and won't be eligible for benefits from the Finnish social security system.

[Upphew]

(wife and a kid, both are dependent on me)

Umm, so your wife is unemployed and not employable nor able to study?

Employers often additionally provide private healthcare to the employees, but that's nothing you have any influence on.

And reason for that is that they legally have to arrange occupational healthcare, better that the workers go to place that has in its interest to make money fast...
Some employers use public side to arrange that.

[Pursuivant]

Well, unemployment is through KELA, but you need to have "private insurance" as in "belong to an unemployment fund" or you get maybe 20 a week off KELA instead of the 80%...

[Rip]

Depending on your residence and religion you will have a tax rate around 27%.

+ 5.75% for mandatory pension and insurance fees

[Adrian42]

.

[Adrian42]

Well, unemployment is through KELA, but you need to have "private insurance" as in "belong to an unemployment fund" or you get maybe 20 a week off KELA instead of the 80%...

True, but I was not attempting to explain the Finnish social security system in all details.

My point was that in Germany unemployment, healthcare, pensions, student money and child benefits are handled through 5 different providers.

[tengssac]

Thanks for all your replies !

Yes it is correct, Germany has different departments for social/public relations.

Kind Regards.

[Pursuivant]

Fair does. Also, in Finland there is centralized Population Registry, and everything in data flows certain direction... just like in Germany in "the good old days"

[Flossy1978]

Well, Germany has a much larger population. Probably in that case it would make sense to keep all those matters separately. I couldn't imagine the mess, otherwise.

[Adrian42]

Well, Germany has a much larger population. Probably in that case it would make sense to keep all those matters separately. I couldn't imagine the mess, otherwise.

Actually the main reasons are more historical and political reasons. It's not that much of a mess, it is more that different social security systems work in completely different ways.

[Pursuivant]

Probably in that case it would make sense to keep all those matters separately.

Well, like in the UK the government doesn't know how many foreigners are in the country, the councils don't know who lives in their housing, the NHS has people dropping in they don't know who is who... and you "prove" your address with a piece of paper you can make yourself... its Pigs-in-Fields here

[CH]

There is also the Child Home Care Allowance if the child is under 3 yo and not in municipal daycare (even though they call it "home care allowance", you get it also if you use private daycare).