The loss of a job usually hits hard. With your work you earn the money for your livelihood and possibly for your family and it also gives your life meaning and individuality.

Unemployment benefit 1
Sometimes life doesn't go as you want it to and you lose your job. If you have worked for at least one year in the past, you are entitled to unemployment benefit. The amount paid is about 65% of your previous income. Do not be ashamed and take your right was - after all, you have paid into this insurance benefit. In order to receive unemployment benefit 1, you must register in person at the unemployment agency and complete the relevant applications. In addition, you can earn up to €165 in a mini-job or self-employed small business.

Unemployment benefit 2
Even if it sounds similar, unemployment benefit 2 is to be understood more as a basic means of getting a living similar to social assistance. Anyone who has been unemployed for more than one year will then be transferred to unemployment benefit 2. Everyone between the ages of 15 and 67 who can work is entitled to this basic benefit. It includes the assumption of housing costs up to a certain limit and a cash portion of about € 300 for a person living in the household. However, it is not as easy as it sounds. Normally, you are often have to go to the job centre and you have to disclose your finances. You are also expected to look for a new job. As you will only receive one basic benefit, you will have to restrict yourself. If you find yourself in this predicament, don't be afraid to take advantage of this benefit. Apply accordingly for unemployment benefit 2 at the job centre responsible.

Questions and answers

If, for whatever reason, you cannot work, i.e. are unable to earn money, you also have a right to help. This is called social assistance because it pursues the social idea that everyone in this country should have something to eat, a home, clothing and everyday needs, as well as access to education. Social assistance includes both financial benefits similar to unemployment benefit 2 and various benefits in kind for daily needs. You will also receive advice so that you can - if possible - stand on your own two feet again.

Unfortunately, living is becoming more and more expensive. If you cannot afford your apartment or can only afford it partially, you can apply for housing benefit. If you receive unemployment benefit 2 including housing costs, you cannot apply for housing benefit. Here, too, there are small restrictions. Whoever wants to move into an expensive luxury apartment with a low income may find it difficult to get a subsidy. Otherwise, don't be afraid to ask for housing subsidies or apply for them if you find it difficult to pay the rent. Do it as soon as possible, because there are no retroactive payments. Please do not let any rent arrears arise, otherwise problems with the landlord will arise.