Do you want to retire earlier? With these tips, the dream becomes a reality

More and more Germans want to retire early - but without discounts. To do this, you have to meet a few conditions - what you can count on here.

The pension at 63 is more popular than ever: More and more Germans want to retire early, as can be seen from the figures of the German Pension Insurance. Since its introduction in 2014, there have been hundreds of thousands every year. Ascending trend.

Pension at 63: More and more Germans want to stop working early

" With the discount-free 'pension from 63', people are rewarded who support the pension system with their lifetime work, " says the Federal Ministry of Labor.

In 2020, all employees who were born in 1957 and who have paid 45 years into pension insurance can stop working earlier. What some do not know: Only then will there be a pension * without deductions .

Also interesting : "I'm under enormous stress": pensioner with severe illness (68) only lives on five euros a month .

If so, do not retire directly on your birthday, but ten months later. Specifically, this means that early retirees born in 1957 in 2020 will retire in November at the earliest . Up until September there are still those born in 1956 who can retire at 63 years and eight months.

Find out here : Couple indicted - had to leave Germany because "month was longer than pension".

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Retired earlier? These contributions and times are also taken into account

If you also plan to stop working earlier, it is recommended that you review your resume. That is now reported by Focus Online. After all, the prescribed number of insurance years does not mean that pension contributions must also have been paid for 45 years, for example as an employee.

In addition to the compulsory contributions, the following activities and contributions should also be taken into account :

• Posts for mini jobs

This is about the contributions that the employee paid with the employer. On the other hand, those that have only been paid by the employer are credited proportionately.

• Times for raising children

Here, upbringing times up to the child's 10th year are taken into account (regardless of the year of birth). However, the pension insurance reports that you have to apply for the child-raising periods yourself, otherwise they will not count towards the pension.

• Times for military and civilian service
• Private care times (not for work)
• Transitional allowance for medical rehabilitation
• Sickness benefit, injury benefit
• Bad weather compensation
• Ersatzzeiten

This applies to people who were in political detention in the GDR.

• Bankruptcy and short-time benefits
• Voluntary contributions

However, this only applies provided that at least 18 years of mandatory contributions have been paid. Usually insured persons, such as self-employed craftsmen, benefit voluntarily.

• Compulsory contributions or credit periods due to the receipt of social benefits
• Compulsory contributions or brief interruptions through unemployment benefit (receipt of unemployment benefit I)

Important: If you receive unemployment benefits in the last two years before retirement, these times are not counted in the discount-free "pension from 63" *! The only exception: if you become unemployed due to insolvency or a business cessation from the employer and consequently receive unemployment benefits.

By the way: These times do not apply to the "pension at 63":

• School education times
• Times of study
• Times when unemployment benefit or unemployment benefit II (Hartz IV) was received
• Times from pension adjustment after divorce
• Times from pension splitting among spouses

Your opinion is asked!

Read also : You only get a pension of 1,000 euros? You can indulge in luxury at these five locations.

Also interesting : Attention: You should save this percentage of your income on a monthly basis for your pension.

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