I am currently living and working in Germany for a German company and I have 2 children. My wife has a part time job in Germany.
I received a job offer from a Belgian Company as either
- a freelancer for 1 year or
- a contract employee of 1 year (20€ less per day because they handle the paycheck paperwork) I would work in the office in Belgium a few days a month and the remaining days work remotely from Germany.
I am trying to understand the financial details of having a Belgian paycheck (with the appropriate deductions for Retirement, Health, Taxes) vs a Freelance contract.
The Belgian company is asking me for an decision but I do not have enough information to decide if I will even take the job. Some people I have asked have said there will be some very bad financial surprises and I should not take this job.
Health Insurance: I contacted AOK and they told me I had 2 options.
- As a Freelance contractor my monthly payment would be 900€ for my current coverage as a freelancer with freiwillige Insurance.
- As an employee in Belgium and receive Belgium Insurance, cancelling AOK. So here the best option is probably #3) https://grenzinfo.eu/informationen/arbeiten-im-nachbarland/wohnen-deutschland-arbeiten-belgien/krankenversicherung/ to transfer the children to my wife's AOK policy and for me to take the Belgium Insurance from the company as an employee. Would you agree ?
Retirement Insurance: https://grenzinfo.eu/informationen/arbeiten-im-nachbarland/wohnen-deutschland-arbeiten-belgien/rente/ I am currently contributing to the German Public Pension System. With a Belgium paycheck I would start contributing to the Belgian system. That is scaring me a lot.
Taxes: I have not been able to find a Steuerberater that knows about this yet. Any suggestions ? https://grenzinfo.eu/informationen/arbeiten-im-nachbarland/wohnen-deutschland-arbeiten-belgien/steuern/ I also tried https://www.icalculator.info/belgium.html but I think a tax advisor who has experience in this would be better.
Text chatting with a person at europa.eu produced a list of advisers but they are all bureaucrats working for Governments. I have emailed 3 from the list and none have answered yet.