Active pension: A new way for active pensioners in Germany?

Active pension: A new way for active pensioners in Germany?

Deutschland - The discussion about the employment of pensioners in Germany wins on driving. In view of a demographic change, which is characterized by increasing life expectancy and falling birth rates, the federal government plans to introduce a new regulation, the so-called Active pension . From January 1, 2026, pensioners should be given the opportunity to earn up to 2,000 euros per month tax -free. This could help keep older people in the labor market without raising the retirement age.

The active pension aims to relieve the pension insurance and to secure the pension level for future generations. In particular, the regulation would like to ensure that those who are able to do so health can continue to work voluntarily after reaching the standard age limit without having to fear tax disadvantages. The DGB sees the existing pension system as functioning, but thanks to the regulations of the active pension, the flexibility in the transition from employment could be increased to retire, such as Infranken reports .

employment participation of older workers

The demand for older specialists is growing, because the employment participation in the age groups of 60 to 64-year-olds increased from 50% in 2013 to 65% in 2023. With the 65 to 69-year-olds, the proportion rose from 13% to 20%. This shows that more people in these age groups are willing to stay in professional life. Statistical surveys illustrate that men in these age groups in particular have a high purchase quota-even in 2023, 69% of 60- to 64-year-olds were employed.

The proportion of those who continue to work after their retirement pension is now 13%, whereby there are also relevant differences in the activities. Around 55% of pensioners prefer not to work after the pension. In addition, the data show that 33% of the pensioners were not in working life before the pension, often due to partial retirement, illness or unemployment.

advantages and disadvantages of the active pension

Despite the positive aspects, there are also critical voices for an active pension. Critics argue that this regulation is particularly beneficial to those who want to continue working anyway. People with health restrictions could not enjoy the same advantages. At the end of 2022, over 1.3 million pensioners were employed in Germany, with the majority being employed in mini jobs. This challenge raises questions about justice and long -term financial effects.

The introduction of the active pension could be a valuable measure to increase the chances of older workers and to honor the importance of their experience. In addition to the advantage of a tax -free income and savings on social security contributions, it could also mean an increase in pension claims for those with a longer employment biography. Nevertheless, open financing issues and potential unequal treatment must be kept in mind to ensure an effective and fair system for everyone involved.