In the past, retirement: This is how employees secure better pensions!
In the past, retirement: This is how employees secure better pensions!
Deutschland - The topic of old -age pension employs many employees, especially those who have paid into statutory pension insurance after 35 years. This possibility of earlier pension can appear attractive, but also carries risks and factors that must be observed. According to Ruhr24 it is possible for pensioners from To retire for 67 years - without financial discounts if they meet certain requirements.
The actual entry age varies depending on the year of birth. Employees who were born between 1949 and 1963 can retire under certain circumstances before reaching the age of 67 without discounts. For people who were born from 1964, they can only retire at the age of 67 without cuts. On the other hand, if you want to retire at the age of 63, you have to expect permanent discounts of up to 14.4 percent, which corresponds to 0.3 percent per month.
discounts and pension height
In order to compensate for possible discounts, insured persons have the option of paying additional contributions. Individual advice on pension reduction can be requested from the German Pension Insurance. The amount of the pension itself is determined using a formula, the earnings points, the access factor, the pension type factor and the current pension value are considered.
The earnings points are made up of the ratio of their own income to the average income. An average earner, for example, collects a fee per year. From July 1, 2025, the current pension value will increase by 3.74 percent to 40.79 euros. A pensioner with 35 earnings points (with average income) can therefore expect a monthly gross duck of around 1,427.65 euros, while the standard pension for 45 years of contributions is 1,835.55 euros per month. This results in a difference of around 408 euros per month between the pension after 35 years and the standard pension.
insurance periods and other aspects
The individual pension entitlement depends heavily on the personal acquisition biography. For the calculation of the 35 years of insurance, different times flow into the pension calculation, for example:
- contribution times such as employment and independent activity
- child -rearing times for the first 2.5 to 3 years of life of a child
- care times that can be counted for pension
- crediting times due to illness, pregnancy, school education or study
- Special consideration for politically persecuted in the GDR
The German pension insurance automatically informs insured persons from the age of 55 about their current status in the pension information. An extensive range of online calculators is also available here to determine pension information. The programs include the calculation of the earliest possible and regular start of pension as well as the amount of the old-age pension and are available at Deutsche--Rentenversicherung.de
gender differences in the pension height
Another aspect that should not be unmentioned in the debate about the old -age pension are the differences between the sexes. In 2022, men received an average retirement pension of 1,295 euros per month, while women had to make do with 863 euros. This unequal distribution of the pension heights results from different employment biographies, which are characterized by more frequent part -time work, longer acquisitions or lower wages in women. Almost every fifth man and every third woman received less than 600 euros per month in 2022, which illustrates the problem of poverty in old age. The Demography Portal at DetailsOrt Deutschland Quellen
Kommentare (0)