Mothers' pension 2025: How to secure the new pension points!

Mothers' pension 2025: How to secure the new pension points!

Deutschland - The mother's pension, an important mainstay of the statutory pension insurance, will be significantly reformed from July 1, 2025. From this date, the crediting of pension points for parents of children should be adjusted to three pension points per child regardless of the year of birth. Parents from children born before 1992 only receive 2.5 earnings points per child. This reform aims to increase pension claims for parents as a whole and to better recognize the educational times. This reports hna .

It is important to know that parents have to make an application to benefit from this regulation. An automatic crediting is not. The application can be submitted online using the V0800 form at the German Pension Insurance. Experts recommend submitting the application if the youngest child has reached the age of ten. In addition, the application can be made until the retirement. Before the application, parents should ensure that all child -rearing times are recorded in the course of insurance. Necessary documents include the personal insurance number, birth evidence of children and information on child rearing.

Details on the child -rearing period

The crediting of child -rearing times is up to 30 months for children born before 1992. For children who were born in 1992 or later, the crediting is a maximum of 36 months. Regardless of the year of birth, a maximum of ten years can be taken into account, as the Deutsche Rentenversicherung clarifies here . Interestingly, other caregivers such as boot parents, grandparents or foster parents can also receive child -rearing times, provided that the child lives permanently with them.

When calculating pension claims from child rearing, it is taken into account that only one parent can benefit from the upbringing at the same time. As a rule, this time is assigned to the parent who mostly educates the child. A change in this assignment can only be made in retrospect for the future and a maximum of two months.

Financial effects of the mother's pension

It should be emphasized that from July 2025 a pension point will correspond to a value of 40.79 euros. This means a monthly pension increase of around 20.40 euros per child, which can make a significant financial difference for many parents. The reform of the mother's pension is not only assessed as recognition of the educational services, but is also part of ongoing political discussions. In particular, CDU/CSU and SPD have initiated similar initiatives to further expand the mother's pension The introduction of the mother's pension began with the first reform on July 1, 2014, followed by further improvements by the mother's pension II on January 1, 2019. Despite the progress, there are already discussions about a possible mother's pension III, which have not yet been specified.