Pension chaos 2025: fluctuations and incisions pollute pensioners

Pension chaos 2025: fluctuations and incisions pollute pensioners

In 2025, pensioners in Germany are faced with considerable fluctuations in their net dents. This is the result of multiple changes due to special regulations for health and long-term care insurance, which are referred to by the German Pension Insurance (DRV) as a "jumping procession". The adjustments have the consequences that pensioners not only have to expect changes in the pension height, but also with increasing deductions. According to RuHR24 Stay in January in January. March the first cuts come into force.

With a gross duck of 1,500 euros, the net dent is reduced by 6 euros per month if the additional contribution of the health insurance company increases from 1.7 to 2.5 percent. Further changes can be expected in July 2025: an increase of 3.74 percent means that the gross tores increase from 1,500 euros to 1,556 euros. At the same time, however, the nursing insurance contribution is increased by 0.2 percentage points, which results in an additional monthly deduction.

Detailed adjustments and repayments

The retrospective additional payment for the months of January to June is particularly important, which brings a further deduction of 18 euros per month. The pension payment should be normalized again from August 2025, and pensioners will receive their regular amounts. From this point on, the deductions are then calculated by default, which means that half of the health insurance contribution and the full contribution to long -term care insurance are deducted.

The fluctuations to be expected in 2025, however, represent according to

pension distribution in Germany

The average gross dent in Germany today is 1,769 euros, based on 45 years of contributions with average earnings. Differences between the regional pensions are clear: In North Rhine-Westphalia, men receive an average of 1,923 euros, while in Berlin-Ost the pensioners receive an average of 1,780 euros. These differences are also very evident between men and women, with women in Berlin-Ost receive an average of 1,608 euros.

In 2023, the income from the DRV amounted to 381.2 billion euros, while their expenses were 379.8 billion euros, of which 90 percent were used for pension payments. The developments in the pension landscape, in particular the upcoming adjustments in 2025, encourage the discussion about sustainability and fairness of the pension system in Germany.

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