{"id":4246,"date":"2014-02-21T10:18:15","date_gmt":"2014-02-21T10:18:15","guid":{"rendered":"https:\/\/www.mth-partner.de\/?p=4246"},"modified":"2025-10-28T06:46:12","modified_gmt":"2025-10-28T06:46:12","slug":"sozialrecht-zur-notwendigkeit-der-verwertung-von-lebensversicherungen-fuer-den-bezug-von-alg-ii-hartz-4","status":"publish","type":"post","link":"https:\/\/www.mth-partner.de\/en\/social-law-on-the-necessity-of-realising-life-insurance-policies-for-the-receipt-of-alg-ii-hartz-4\/","title":{"rendered":"Social law: The necessity of realising life insurance policies for the receipt of ALG II (Hartz 4)"},"content":{"rendered":"<p><b>Federal Social Court, 20 February 2014, Ref:<\/b> <strong>B 14 AS 10\/13 R<\/strong><\/p>\n<p>When assessing the need for assistance in accordance with SGB II, the job centre checks both the \"consideration of income\" (\u00a7 11 SGB II) and the \"consideration of assets\" (\u00a7 12 SGB II).<\/p>\n<p>When examining the consideration of assets, the question of whether the applicant must utilise any life insurance with priority over the ALG II claim is repeatedly the subject of supreme court rulings.<\/p>\n<p>Particularly if the applicant is only applying for Hartz 4 for a short period of time, a precise examination is necessary to determine whether the realisation of the life insurance would represent an unreasonable hardship for the applicant.<\/p>\n<p>\u00a7 Section 12 para. 3 sentence 1 no. 6 SGB II stipulates that property and rights are not to be considered as assets if their realisation is obviously uneconomical or would cause particular hardship for the person concerned.<\/p>\n<p>In the above-mentioned decision of the Federal Social Court, the court had to decide whether the job centre had rightly rejected the claimant's entitlement to payment of 3 months of unemployment benefit II with reference to her life insurance policies.<\/p>\n<p><b>Facts of the Case<\/b> The plaintiff had submitted an application for ALG II (Harzt 4) to the defendant job centre for the period from 1 May 2007 to 31 July 2007.<\/p>\n<p>The job centre rejected this application with reference to the claimant's assets. These assets included a current account with 1870.17 euros, a savings account with 2125.36 euros, a BHW life insurance policy with a surrender value of 6493 euros and a life insurance policy with Hamburg-Mannheimer with a surrender value of 1440.14 euros.<\/p>\n<p>The claimant initially appealed against the Jobcentre's decision to the Social Court of Schleswig, which dismissed the claim (S 16 AS 2114\/07).<\/p>\n<p>The claimant appealed against the judgement of the Social Court to the Schleswig-Holstein Regional Social Court, which was also dismissed (L3 AS 93\/10).<\/p>\n<p>The claimant appealed against this decision to the Federal Social Court.<\/p>\n<p><b>Federal Social Court<\/b>The Federal Social Court has now overturned the judgement of the Regional Social Court and referred the case back to the Regional Social Court.<\/p>\n<p>In the opinion of the BSG, in order to assess the claim to Alg II asserted by the plaintiff only for the months of May and June 2007, it was decisive to what extent her BHW life insurance would stand in the way of this as realisable assets in accordance with \u00a7 12 SGB II.<\/p>\n<p>The Regional Social Court had affirmed this because the claimant's loss on cancellation of the BHW insurance was only 16.71% and was therefore reasonable.<\/p>\n<p>This view cannot be followed because the inefficiency of the realisation of a life insurance policy cannot be assessed solely on the basis of the loss ratio, but also numerous other factors, such as term and maturity, <a href=\"https:\/\/www.mth-partner.de\/en\/receive-your-72-hour-emergency-plan\/\">Cancellation period<\/a> etc. must be observed.<\/p>\n<p>However, the Regional Social Court did not make any findings on these factors. There were also no findings on possible particular hardship, especially as benefits were only requested for a short period of time.<\/p>\n<p>Source: Federal Social Court<\/p>\n<p><a href=\"https:\/\/www.mth-partner.de\/en\/services\/social-law\/\">Lawyers in Cologne advise and represent you in social law.<\/a><\/p>\n<p><b>Important Note: The content of this article has been prepared to the best of our knowledge and belief. However, due to the complexity and constant evolution of the subject matter, we must exclude liability and warranty.<\/b> Important Notice: The content of this article has been created to the best of our knowledge and understanding. However, due to the complexity and constant changes in the subject matter, we must exclude any liability and warranty.<\/p>\n<p>If you need legal advice, feel free to call us at 0221 \u2013 80187670 or email us at info@mth-partner.de.<\/p>","protected":false},"excerpt":{"rendered":"<p>When examining whether it is uneconomical to realise a life insurance policy as part of an ALG II claim, it is not only the loss ratio that must be taken into account, but also numerous other factors such as the term, maturity and cancellation period of the life insurance policy.<\/p>","protected":false},"author":4,"featured_media":11739,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[38],"tags":[1967,2749,2748,2750],"class_list":["post-4246","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-erbrecht-anwalt","tag--12-sgb-ii","tag-beruecksichtigung-von-einkommen-und-vermoegen-beim-alg-ii-anspruch","tag-bundessozialgericht-20-02-2014-az-b-14-as-1013-r","tag-darf-das-jobcenter-die-lebensversicherung-verwerten"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Sozialrecht: Zur Notwendigkeit der Verwertung von Lebensversicherungen f\u00fcr den Bezug von ALG II (Hartz 4)<\/title>\n<meta name=\"description\" content=\"Fordert das Jobcenter vom Antragsteller, dass dieser bestehende Lebensversicherungen verwerten soll, ist immer eine unzumutbare 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