Pension reform 2025: Federal government plans to make major changes for everyone!

Pension reform 2025: Federal government plans to make major changes for everyone!

Deutschland - The Federal Government under Chancellor Friedrich Merz (CDU) has announced comprehensive changes in the pension system. The aim of these reforms is to achieve visible progress by the middle of 2025. As RuHR24 reports the coalition agreement, both of which affect younger and older generations. This includes the introduction of an "early start pension" for young people as well as adjustments to the "mother's pension" and the introduction of an "active pension".

The early start pension, which is to come into force from 2026, stipulates that children between 6 and 18 years of age who attend an educational institution will receive 10 euros per month in an old-age provision. With an annual return of 6 %, an amount of around 36,500 euros could arise from 1,440 euros up to the age of 67. With additional deposits of 100 euros per month from the age of 18, the final capital could even be up to 375,000 euros.

mother's pension and active pension models

A central element of the reform is the so -called "mother's pension 3". This ensures that all mothers are equated in pension insurance. In the future, mothers receive three pension points per child, regardless of the year of birth. The regulation for mothers with children before 1992, which receive half a pension point, is particularly advantageous. From July 2025, this could mean around 20.39 euros per month in addition to the pension. According to estimates, around 10 million pensioners will benefit from this new regulation.

In addition, the "active pension" was introduced, which enables pensioners to earn up to 2,000 euros per month. This measure is intended to support older workers and stabilize the pension level. However, the pension surcharge of 0.5 % for each month of the later pension remains remains and is therefore not touched.

stability of the pension system

The entire reform aims to keep the pension level stable at around 48 % by at least 2031. This is regarded as a crucial step in view of the demographic change, which also puts pressure on the statutory pension insurance (GRV). Until the mid -2030s, the retirement age has reached a strong birth vintages, and increasing life expectancy increases the challenges within the system. The need to secure the financing by tax funds to reduce the burden on employees is obvious. As Citizen money , a pension increase is expected by 3.74 percent for a standard pension after 45 Contribution years means a monthly plus of 66.15 euros.

experts warn that demographic development will lead to pressure on the pension system. A possible increase in the contribution rate to up to 29 % by 2070, combined with no stop lines from 2026, leave space for speculative scenarios. Proposals by a pension commission that is intended to develop reform proposals focus on ensuring a long -term, sustainable pension system and the possible introduction of a uniform pension system, which also includes independent, civil servants and deputies. This should not only stabilize the pension system, but also to be adapted to the economic conditions.

In this context, the federal government also plans to stabilize the pension level for long -term stabilization. The challenges due to a falling number of contribution payers and an increasing number of resting stands are increasingly becoming the focus of the political debate. Finally, the funds that come from the federal funds are also under pressure, which further influences the political decisions about the distribution of the demographic burdens and the optimization of pension benefits. The Bundesbank notes that the political decision-makers have to carefully consider how the financial burdens can be distributed in the future.