The Entrepreneur Fund will be paid an amount equal to the basic daily allowance (EUR 37.21 in 2025) for each daily allowance, and the rest of the funding will be covered by the Entrepreneur Fund itself. The Employees’ Fund will be paid a state contribution and a contribution from the Employment Fund. The Employees’ Fund will be responsible for 5.5% of the earnings-related daily allowance, while the Entrepreneur Fund will be responsible for around 40%.
In addition, the equalisation fund of the Entrepreneur Fund must be significantly larger than that of the Employees’ Fund. In order to ensure the funding and liquidity of the Entrepreneur Fund, the equalisation fund must have a minimum amount (250%) set by the Financial Supervisory Authority, which means that the Entrepreneur Fund will be able to cover its administrative costs and its out-of-pocket benefit costs for two and a half years without any income from membership fees. For the Employees’ Fund, the equalisation fund must be at least 100%.
Due to the different funding base, the membership fee of the Entrepreneur Fund is higher than that of the Employees’ Fund.