Record numbers: Almost 270,000 Germans retire without discounts!

Record numbers: Almost 270,000 Germans retire without discounts!

A remarkable turn in the pension landscape is shown in the latest statistics that clarify how many people in Germany are already retiring. In 2024, almost 270,000 people decided to retire earlier without discounts. This means that a large number of pensioners prefer the time of their exit from working life, which presents pension policy and their future design with new challenges. world reported that 937,000 insured persons from the first year claimed for statutory pension insurance.

The age limit for particularly long -term insured persons who have paid for 45 years into pension insurance was 64 years and 4 months for the 1960 born year. This regulation, which has been controversial since its introduction in 2014, could achieve a critical point through the increasing number of pension inputs. In particular, the baby boomers - born between 1954 and 1969 - are the focus. A study by the Institute of German Economy (IW) shows that 44% of this generation, which was born from 1954 to 1957, retired prematurely, and the proportion was even over 55% among the new ones. This also opted for well -trained people, often well -received, proportionately more often for an early pension than their colleagues from low wage groups, who rather do without this on financial reasons. Tagesschau added that the premature use could continue to increase from 2025, since the born between 1958 and 1960 also retired prematurely.

The pension landscape in change

The pension fund faces an enormous burden. Around 18.9 million old -age pensions were paid out in 2023, a new high. This is accompanied by record editions: the pension insurance spent 286 billion euros for pension payments. Forecasts indicate that pension expenses could increase to over 800 billion euros by 2045, which raises the question of future financing. According to the 2024 pension insurance report, the pension contributions are expected from currently 18.6% to up to 21.4%, no legal adjustments should be made.

One of the challenges is the increasing use of the discount -free pension, which benefits, especially well -paid and better trained employees. For 2023, the pension insurance reported of around 279,000 insured persons, who for the first time received an old -age pension for particularly long -term insured persons, while 225,000 people claimed a pension payment with discounts that are 0.3% per month if the retirement begins. The German pension insurance offers extensive data and insights into these developments.