Unemployment before retirement: This is how the past few years have an impact!

Unemployment before retirement: This is how the past few years have an impact!

Deutschland - The concern for the effects of unemployment shortly before the start of the pension concerns many people. Above all, the question of whether times of unemployment is counted is of central interest. A reader expressed these concerns in a request to T-Online. However, Katja Braubach from the German Pension Insurance BUND makes it clear that times of unemployment are usually counted towards retirement. Anyone who receives unemployment benefits will continue to receive pension insurance contributions from the employment agency, which has a positive effect on the later pension height reports T-Online .

For people who become unemployed in the last two years before the start of their retirement, an exception applies: In the case of the discount -free pension for particularly long -term insured persons, i.e. 45 years with pension law times, unemployment is not taken into account. However, this regulation only applies if unemployment is through no fault of your own, for example through bankruptcy or the closure of the employer's operation Pension insurance firmly .

pension claims in unemployment

Responsibility to report unemployed if the workplace is lost is with those affected - even if they are not entitled to unemployment benefit. Because registered unemployment counts for the later pension, which is particularly important for the minimum insurance times that are necessary for early ducks. These have 35 years for long-standing insured persons and 45 years for particularly long-standing insured says the German pension insurance .

When receiving unemployment benefit I, the employment agency takes on pension contributions that are calculated based on 80% of the wages before unemployment. However, it should be noted that times of receiving unemployment benefit I are less worth 20% than times of regular employment. These unemployment times nevertheless contribute to the calculation of earnings points, which can have a positive impact on the pension height Reportest Dasfinance .

bridging strategies and pension height

For many people, it can make sense to obtain unemployment benefit in order to bridge the time until the start of the pension. Unemployment In the past two years before the pension, the risk of losing the right to lose a discount -free pension, unless this unemployment is due to the circumstances mentioned. The crediting of unemployment times is considered to be waiting, although deductions are usually not made, provided the above conditions are met.

In addition, unemployed are entitled to rehabilitation services that support the return to the labor market. Information and consultations on the statutory pension insurance are available via a free service telephone, which can reduce the uncertainties in this transitional period The German pension insurance .

Overall, it can be seen that the regulations on unemployment and their effects on the pension are diverse. Those affected should therefore find out about their claims and the relevant deadlines at an early stage. This is the only way to secure an appropriate retirement pension in phases of unemployment.