What and when
Mutterschaftsgeld is a benefit paid by your Krankenkasse during Mutterschutz (maternity protection period): 6 weeks before to 8 weeks after birth.
You can submit the application no earlier than 7 weeks (49 days) before your due date — the system will not accept it earlier.
What you need to do
Step 1: Certificate from your OB/GYN
Request an ärztliches Zeugnis über den voraussichtlichen Entbindungstermin — a medical certificate stating your expected due date. It is free and issued on a standard form.
Step 2: Apply to your Krankenkasse
Exactly 7 weeks before your due date, submit the certificate via:
- App or online portal of your Krankenkasse
- Or by post with the application form (available on the insurer’s website)
Step 3: Notify your employer
Your employer needs to know the start of your Mutterschutz. They calculate their Arbeitgeberzuschuss (employer’s supplement) independently.
How it works
| Payer | Amount |
|---|---|
| Krankenkasse | up to €13 / day |
| Employer (Arbeitgeberzuschuss) | difference up to your net salary |
| Total | full net salary maintained |
Applied via the TK app in 10 minutes. Photographed the certificate with my phone — the quality was accepted. Payment arrived one week after Mutterschutz began.
Notified the employer in writing and kept a copy. Important for any later disputes about dates.