Invisible privileges – shadow income, the second salary of officials

In Germany there is a quiet financial dividing line that divides society into two worlds. On the one hand, there are employees who pay monthly duties to keep their system up and running. On the other hand, the officials – protected, protected, secured by a network of state guarantees that allows them to live in predictable security.These two worlds touch, but they follow completely different rules. What many do not know: The official receives a shadow income, invisibly booked, indirectly financed, but real. It comes from government benefits that amount to an additional payment of almost half of the gross salary. This money does not flow directly into the account, but it exists – asState-guaranteed supply.

Lifetime Pension Guarantee – The heart of the advantage

While the employee pays his entire working life into the statutory pension insurance without knowing how much he really gets in the end, the official enjoys a different system from the start. From the first day, the state pays itself – quietly and steadily – into its future pension. No official transfers even a cent into a pension system, and yet hisentitlement. After a long professional life, he was entitled to around three quarters of his last gross salary for life, fully tax-financed. This promise is not only generous, but also risky for everyone who has to finance it – namely for every taxpayer who doesn’t have comparable security himself. What is certainty for the official is for millions of othersa withdrawn future capital.

The invisible pension subsidy – state payment without contribution

The employee pays a significant proportion of his wages in the pension fund every month. The state, more precisely the employer, puts the same share on top. The official, on the other hand, receives an equivalent value from the first day of his career, which corresponds to about a quarter to a third of his lifelong earnings – without any intervention of his own, financed exclusively from the tax pot.This hidden second salary is not visible in any payslip, but it exists in the billions. It is a redistribution mechanism that puts the population’s trust to the test: Officials are rewarded, workers pay the bill.

The aid – luxury at the expense of state

While employees give a double-digit percentage of their salary for their health insurance every year, officials often only bear a fraction of their healthcare costs themselves. Depending on the marital status, the state takes over half of all medical bills. What is disguised in the system as care means in practice an enormous relief – several percent of the annual income.As a result, officials have more net from gross, while employees see their income dwindling month after month. This inequality is also usually invisible because it is not hidden on the payslip, but in the budget plans of the ministries.

Insurance against illness – full remuneration, zero risk

If an official becomes ill, his salary remains untouched. No sick pay, no reduction, no waiting time. The state continues to pay as if nothing had happened. For employees, on the other hand, illness means a loss of income after a short time. You need to take out private insurance to fill the gap. The official does not bear this risk – it is collectively taken over for him,from those who have no such guarantee. What was intended as a security system has become an injustice that is becoming increasingly apparent.

The job guarantee – a life without existential fear

Anyone who is a civil servant can de facto no longer be released. No closing time, no wave of termination, no risk of unemployment. This guarantee is financially priceless. Every other working person must make reserves, take out insurance, create a cushion just in case. Officials don’t have to. You live in a system that wears you – no matter whathappens. It is a security promise that takes the pressure of life that everyone else feels every day.

State-funded additional benefits – housing, interest, special benefits

In many areas, officials also benefit from reduced conditions that result from their special position in civil service. Banks offer lower interest rates, government housing programs prefer them for loans, official housing is provided at a reduced price. The financial effect is significant and adds up to an invisible bonus over the years. thisBenefits are not booked as incomes, but they have a strong influence on the real quality of life – another building block in the shadow income, financed by tax revenues, in which those who don’t see a cent of such advantages themselves are also involved.

Retirement aid – care beyond life

The privileges do not end with active service. The civil servant keeps them until the end of their lives – with a pension, anniversary payments, death benefit and survivor’s care. Spouses and families benefit from a protective shield that remains unattainable for normal workers. The state guarantees supply where private pensions often fail. But this is also done from a pot thatfeeds on tax money – i.e. also from the pockets of those whose pensions are hardly enough to live on later. It is a double injustice: Officials are protected by the system, which finances others and lets them down at the same time.

Early retirement and time privileges

While millions of employees have to work into old age in order to achieve basic security at all, many civil servants say goodbye much earlier – often with special leave and additional benefits. This time is money. Each additional free month means a real asset shift that is rarely open in the public budget systemis shown. Invisible but effective, another financial imbalance arises that shakes trust in justice.

The innocable system – financed by everyone, noticeable for a few

The officials’ shadow income remains hidden because it does not show up in direct payments. It is not a monthly plus on the account, but an invisible hand that bears all life risks. This privilege is paid by the rest of the company. Employees, freelancers, self-employed – they finance the supply mechanisms they themselves exclude from taxes.stay They bear the burden of a double standard that hardly ever occurs in public consciousness. It is a system that promises security, but leads to splitting because it privileges some and leaves others alone with the risk.

A country between equality and standstill

The civil servant privileges are deeply rooted in the state, but they no longer fit into a society that demands equal treatment. While workers are fighting for every euro, a supply apparatus grows in the shade that hardly anyone understands in its true dimension. The result is mistrust, resignation and a feeling of injustice. The state that promises equality lives itselfAn inequality that undermines his credibility. Anyone who looks behind the numbers recognizes: The allegedly secure foundation of public administration rests on the backs of those who have no security. As long as nothing changes, the promise of justice will only remain an illusion – one that will be paid dearly.