Domestic Helper Insurance & Social Security in Greece: Employer Guide

27/08/2026 ST.RIVE Team

Why Social Security Is Mandatory

Under Greek Law 4554/2018, every employer hiring a domestic helper must pay social security contributions to EFKA (the unified social insurance fund). Non-compliance constitutes undeclared work and carries severe fines starting at €500 per undeclared working day.

Beyond the legal obligation, insurance protects the employer too: in case of workplace accidents or claims, coverage is essential. A licensed domestic staffing agency handles this entire process.

How EFKA Contributions Work

Social security contributions are calculated on gross salary:

Employer contribution: ~13.33% of gross salary
Employee contribution: ~10.17% (withheld from salary)
Total: ~23.50% of gross salary

For example, on a €1,000 gross salary, the employer pays €133 in contributions, while €102 is withheld from the worker's pay, resulting in €898 net.

Registering as a Household Employer

The registration process includes:

Declaration on ERGANI platform (domestic staff hire)
Registration in EFKA's household employer registry
Declaration of schedule and employment type (full/part-time)
Monthly submission of APD (Analytical Periodic Declaration)

The paperwork can be overwhelming for private individuals without payroll experience.

Penalties for Undeclared Work

AADE (tax authority) and Labor Inspectorate conduct regular audits. Penalties include:

Undeclared employment: €10,500 fine per worker
Non-payment of contributions: Additional fees and interest
Tax consequences: Payment cannot be deducted as expense

How a Staffing Agency Simplifies Everything

When you hire through ST.RIVE, the agency handles:

Employment contract compliant with legislation
ERGANI hire declaration
Monthly contribution payments and APD submissions
Bonus and holiday pay calculations
Full insurance coverage for every placement

This means zero paperwork for you. You focus on service quality; we handle compliance. See also our complete cost guide for the full financial picture.