Both partners are Beamte (A13/Stufe 5)
Total Elterngeld (12 months)
€25,200
Partner 1 is Beamte, Partner 2 is privately employed
Total Elterngeld (12 months)
€25,200
Partner 1 is Beamte, Partner 2 is public sector employee (Angestellte/r im oeD)
Total Elterngeld (12 months)
€25,200
Bremen and Hesse use a graduated Beihilfe model where the coverage rate increases with household size — up to 70% for families with multiple children. During Elternzeit, this higher rate can significantly reduce out-of-pocket healthcare costs compared to standard 50% states. Check your latest Beihilfe notice for your exact rate before parental leave begins.
| Beihilfe Coverage Rate | 50% |
| Child Supplement | Yes |
The best scenario depends on your partner's employment type. If both partners are civil servants, both are capped at EUR 1,800 Elterngeld. If one partner is privately employed with lower income, the household income gap is smaller. Compare all three scenarios on this page to find the optimal arrangement.
In Hesse, your Beihilfe rate remains unchanged during Elternzeit. The key difference is that the employer's PKV contribution pauses — budget for the full premium. Children are typically covered at 80% Beihilfe.
The difference can be substantial. When both partners are Beamte and both on leave, household income drops to EUR 3,600/month (two Elterngeld caps). With one partner working, the household retains one full salary plus one Elterngeld payment. See the detailed comparison cards above for exact numbers.
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