Let’s talk about the employment agency shall we. We haven’t done that in a while…
So, as regular readers will know, I’m about to start a new job after a period of unemployment. The new job is some distance away from the town I’m living in (an hour on the slow train, about 25 minutes on the fast – but expensive train), but it’s a doable distance, the company seems great and it means no more dealing with the German employment agency – or so I thought…
After signing my contract I downloaded the change of circumstances form from the employment agency’s website, filled in the bit saying I’ve found a job and no longer need to be registered as unemployed and sent it off. A few days ago I received a letter from the employment agency – “since you now have a job and you will be getting paid at some point in September your benefits will now be cut off. Starting from 1st September 2009. If you think you’ll need help for time between us cutting off your benefits and when you actually receive your first months pay there is a loan, which you might be allowed, but only if you apply for it. ” Considering the last payment of my unemployment benefit (ALG II) was on 15th August and my first pay from work won’t be until the end of September I think I might just need that loan. I have worked it out and, despite being very careful, with the money that’s currently in my bank once I’ve paid September’s rent, the electric/gas bill, the internet/phone and bought two monthly tickets – one for the train to work and one for the tram from home to the train station – I am going to ahve about 40 euros left. That’s 40 euros for everything else I could possibly need… like food for example. And toilet roll. I can’t even afford the 6 euros it will cost to send my baby brother the books I bought him for his 3rd birthday. So I emailed the employment agency asking how to apply for the loan. Today I received this reply “I need to see your employment contract and proof from your employer of when your first wages are to be paid. Then we can decide whether or not to give you a loan“. Because obviously there couldn’t just be simple procedure. Now I need to find out whether they will accept a copy of my contract, because if not (which they probably won’t) I will have to go there in person and physically show them my contract. This will have to be done by Monday because I start work on Tuesday and will therefore not actually be in Karlsruhe at all during their office hours. Oh, and I have to somehow get proof of when I’m getting my wages from the new boss. The boss who told me when I signed the contract that she goes on holiday at the end of August and will still be away when I start work.
Oh what fun the next few weeks are going to be…
Today was employment agency day.
First I had an appointment at 9:30 am to hand in my application for unemployment benefit I (ALG I). I knew I wasn’t going to be entitled to it, but I had to hand in the application anyway because to apply for unemployment benefit II you have to show proof that I’m not entitled to unemployment benefit I. Complicated no? So the woman typed all my data into the computer, informed me that I’m not entitled to ALG I and printed out a letter of rejection to take along when I apply for ALG II. Then she told me where I have to go to do that… the town hall of all places?! After that I had my second appointment, with my advisor. She’s the one that’s supposed to help me look for jobs. That meeting went smoothly… she actually found even less positions than I did because they only check their own website and not every company advertises on there. So she printed out one measly little advert for me, printed out an agreement (which basically says they will publish my profile in their virtual job market and send me details of appropriate positions and I will continue to look and apply for jobs) then sent me on my way to the town hall. At the town hall I was asked a million and one questions, given a form to fill in and a huge list of things they need me to bring with me next time… a list which includes my bank statements from the last 3 months! Then I was given an appointment with another advisor for next Tuesday. It’s exhausting stuff I’m telling you! I’m going to meet Jan for lunch now but after that I may need to lie down for a while to recover from all the forms, questions and traipsing around town.
The last few days have been spent slowly and painfully trying to gether information on unemployment benefit II and how to get started as a freelance translator in Germany.
As far as freelancing is concerned I am clear on only two things.
1) Before I start I have to get a tax number to put on my bills
2) Doing my taxes at the end of the year will suddenly become a lot more complicated, which is nice considering I haven’t done my taxes for last year yet because the forms confused me.
And the more I learn about unemployment benefit II the less I want to actually have to apply for it.
Apparantly I’m allowed to earn up to 100 euros on the side while claiming unemployment benefit II (or ALG II, which is what the Germans call it and which is soo much easier to type). Any more than 100 euros and they start taking bits of it off me. This counts for all other types of what they consider “income” as well. For example, if I were to get money back from the electricity company that would be income. And if I ever do actually get round to doing my taxes, which would result in my travel expenses being paid back, that too counts as income.
Also, if the boyfriend wants to give me money… to help with the rent for example, and the employment agency sees that money from him is going into my bank account they will assume that I have a partner who is able to support me financially and am lying about the fact that I live alone to try and get more benefits out of them. Either that or they’ll decide it must be “income” from a source that I didn’t bother to tell them about, in which case they will again take bits of it off me (if I’ve understood the German correctly I get 20% taken off me for any income between 100 and 800 euros). I’m not sure what they would do if someone gave me cash which I then went and paid into my bank account… probably drag me in to question about this cash that I apparantly had lying around but didn’t declare on their form (yes, one of the forms actually has a section for you to declare how much cash you have. Huh?!).
As if losing your job wasn’t bad enough without all these complications. I don’t remember having half as much trouble getting job seeker’s allowance in England (which I did between finishing uni and going to Austria, just to get a bit of money in my pocket for the summer).
My advice to you all… do not become unemployed in Germany. Unless you’ve been paying your unemployment insurance for more than a year, in which case you’ll get unemployment benefit I which by all accounts is much less complicated.
I would love to say that I didn’t write once over the long weekend because I was having such a fantastic time doing wonderfully exciting things. Unfortunately, the truth is I was just too lazy. Shame really… at least then I’d have had some good news to offer you. As it is I guess we’ll just skip straight to the bad.
I arrived at work this morning only to be told my boss can no longer afford to continue paying me. The business has been doing fairly badly for a few months, we had already had a few crisis talks… and now things have reached a point where measures have to be taken… or in other words the most dispensable employee has to go. That would be me. Officially I still have a job until 15th June (two weeks notice you see) but won’t actually be going back to work (well maybe to drop something off but not going there to do any work), partly because.. well, there is no work. And partly because I still have lots of holiday to take.
So there you have it. I’ve been to the employment agency today. Got lots of forms to fill in, a form for my boss to fill in… and found out that because I haven’t been paying into the so-called “unemployment insurance” for a whole year (didn’t pay any at my first internship and have only been at this place for 10 months) I’m not entitled to Arbeitslosengeld I (unemployment benefit I… or the one where you get a bit more money) but instead will have to apply for Arbeitslosengeld II – unemployment benefit II. Also known as a subsistence allowance. Meaning they give you the amount the government claims is enough to live in (despite the fact that those who are receiving unemployment benefit II are officially below the poverty line!)
So it’s back to the drawing board… searching for non-existent jobs, trying to make my CV look interesting, (hopefully) being invited to job interviews.
Am also looking into the possibility of going freelance. I have an appointment to discuss it (and what I would have to do) with an adviser at the job centre on 29th June.
And until then? Well, I guess my days of defiant spending have now been ended for a while. I only hope I can afford to keep my flat…