kulturspace
Berlin & Los Angeles
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Social insurance for artists (Künstlersozialkasse or KSK)

 

Old-age pensions, health insurance and nursing care insurance for artists

 

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Did you know that the KSK supports artists by paying approximately half of their health insurance & pension fees they would normally pay?

 
 

We offer expert support, application preparations and consultations on all things Künstlersozialkasse (KSK)!

 

Services

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Basic Support - 95€

  • consultation/prepare application

    • fill in application, review current documents and advise on whats needed (missing) to supplement

  • can provide info and coverage for public health insurance

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Full Support - 145€

  • consultation/prepare application

    • fill in application, review current documents and advise on whats needed (missing) to supplement

  • final application review

    • within 2 weeks after consultation

  • review & reply on 2 correspondences from ksk

  • can provide info and coverage for public health insurance

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Phone Consultation - 75€

  • 1 hour consultation

  • fee not applicable to other packages

 

What is KSK

The KSK is a governmental organization, which allows professional artists to be a part of the social security system with the same right as an “employee”, while working as freelancer (self-employed). This means the artist pays approximately half of the insurance fees they would normally pay, the other half is covered by the KSK.

What is an artist & who is eligible (click to expand):

+ Visual arts/design

  • Painter, illustrator
  • Sculptor
  • Concept artist, experimental artist
  • Performance/action artist
  • New media artist
  • Graphic, UX and photo designer
  • Web, media, interface designer (no or very low amount of coding, technical work)
  • Game designer
  • Industrial, fashion, textile designer
  • Instructor in the field of design

+ Writing

  • Novel writer
  • Script writer (movie, theater, radio, TV)
  • Author scientific literature
  • Journalist, editor
  • Translator
  • Lector
  • Professional public relations/ advertising (writing)
  • Instructor in the field of journalism

+ Music

  • Composer
  • Song writer
  • Conductor
  • Musician (pop/rock etc. band, orchestra etc.)
  • Singer (pop, rock, opera etc.)

+ Performing

  • Actor (theater, movie, advertisement – no extra)
  • Singing performer
  • Dancer
  • Narrator (audio books, movie, advertisement)
  • Host
  • Comedian, entertainment artist
  • Puppeteer
  • Choreograph
  • Stage, costume, mask, scene designer/builder
  • Filmmaker, camera operator, cutter, editor (film)
  • Instructor in field performing
  • Drama teacher

Which preconditions do I need to fulfil in order to enjoy the benefits of the Artists' Social Security Insurance Scheme?

All members must work professionally as self-employed/freelance artists with the main purpose of earning a living. The definition as to what constitutes an 'artist' can be explained as follows: 

Example: A graphic designer is defined as an artist for this purpose, whereas a cabinet maker is considered to be a craftsperson rather than an artist. 

If professional activities within the artistic domain are only pursued on a part-time basis or as a side job in addition to other professional work, the KSK scheme may only be used to a limited extent or is not applicable at all.

*Source: KSK PDF

Requirements

  1. Recognized artist

  2. Main income as artist 3900€ per year

  3. New and emerging artists are granted three years probation without a minimum income

  4. Completed application

  5. Portfolio

KSK Membership Fee

The fee is based on your annual income. Here are two examples:

  1. If your income is around 7,000 EUR per year you will be paying about 115 EUR per month

  2. If your income is around 15,000 per yea. the fee will be around 205 EUR per month.

This includes your health, pension and disability insurance. The KSK normally withdraws monthly payments from your German bank account. 

Application

The application process is similar to the one for a job. You will have to provide your portfolio, financial statements and freelance contracts.  See our packages on how we can support and guide your application process.

Hear from happy clients (click to expand):

+ Alex was amazing with helping me complete my KSK application.

Alex was amazing with helping me complete my KSK application. He walked me through the application line by line and spent as much time as needed completing it. The application is quite complicated and there are a lot of nuances that I would have never understood even if they were in English. Alex clearly translated the application with probing questions to help provide the best information on my application. I firmly believe because of his help, I was able to be approved with KSK. Otherwise, I would have provided wrong or misinformation because I would not have clearly understood what was being asked on the application. Plus, Alex has extensive knowledge in the insurance industry and with KSK that really added a lot of value. He is excellent at his job, very responsive and always available to answer any questions throughout the process. I would definitely recommend working with Alex! Victoria

+ There is no way we could have done this without him and we are forever grateful!

As foreigners in German there is a lot of bureaucracy to navigate and health insurance is one of the top concerns. After many searches I remembered someone mentioning Alex, he responded almost immediately, listened to my story and said no problem i can help. Alex completely put me and my husband at ease, patiently explained the process, helped us fill out our application step by step and even got us preapproval of AOK insurance. Many people thought we were crazy but sure enough with minimal fuss about 5 months later we got our final acceptance into KSK!. there is no way we could have done this without him and we are forever grateful! Jenifa

+ Holz helped my make sense of the KSK paperwork in a fast and efficient way.

Alex Holz helped my make sense of the KSK paperwork in a fast and efficient way. Plus he is super nice and always available to answer any questions I might have. I couldn't have asked for a better guide through German bureaucracy. Anrike

Alex Holz, artist support at kulturspace

Alex Holz,
artist support at kulturspace

 

kulturspace provides general informational services only.  we are not able to provide official legal advice and are not liable for the outcome of your ksk, pension, insurance or legal matters. our services do not constitute a client/customer relationship or representation. some copy on this page has been translated for your convenience, for official reference please visit the ksk website.