A 60-year-old employee wants to inquire about her pension benefits and seek advice from the German Pension Insurance. With a sobering result.
Since a woman from Berlin wants to retire soon, she can get an appointment with the German Pension Insurance. After all, this is free of charge and explains what pension benefits you are entitled to in old age. But what the 60-year-old experiences is anything but gratifying.
Pension payments: 60-year-old later receives almost 1,200 euros a month
The office worker plans to retire in just under six years , and her official pension will begin on September 1, 2025 . In the German Pension Fund then the disillusion follows: You will receive monthly only 1,330 euro pension. After deducting health and nursing care insurance, she is left with a little more than 1,183 euros.
In 1976, the woman - at that time still in the GDR - was supposed to have started an apprenticeship as a laboratory assistant. Then she had two children with her husband, stayed at home for a few years, but eventually the couple separated. Later she worked as a secretary in a state-owned cultural enterprise - until today in a position in the public service .
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But with the future pension " I can no longer keep my apartment, " she told the Berliner Zeitung. After all, she pays a rent of 661 euros for two rooms. The advisor explains that if the 60-year-old stops working early, she will lose 0.3 percent of her pension entitlement for each month she retires earlier. "I prefer to keep going until the regular pension comes," she concluded.
Video: The pension is so unfair in Germany
That is why the pension for many workers is so poor later
If, on the other hand, the Berlin woman should reduce working hours by a few hours in the coming years, this would result in up to EUR 20 less pension in four years of reduced work. After all , many workers would find it difficult to hold out in the last few years before retirement , explains the consultant. But why is the pension so poor?
Because the Federal Statistical Office calculates the average income in Germany every year. This is currently 38,901 euros. The earnings points or the so-called pension points are based on this. If you have always earned as much as the average, you will receive one pension point per year . But experts warn that they can only rely on statutory old-age provision. It should only be a building block in old-age insurance. Finally, it is often advised to take out company pensions and / or private pensions .
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Read also : "I am under enormous stress": Severely ill pensioner (68) lives on only five euros a month.
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