Many Germans retire at the age of 63. Stiftung Warentest shows how and who can retire earlier.
- Stiftung Warentest : How the retirement works with 6 3
- People with severe disabilities can according to Stiftung Warentest already before the age of 63 into the pension enter
- The insurance years play a significant role for everyone who wants to retire earlier
For many, work ends at the age of 63 . Earlier pension will often means less Ren te to get. But there are exceptions.
Stiftung Warentest: A pension at 63 requires an application
Earlier pension go - dream of many. Stiftung Warentest now has tips on who can get a pension from 63 without deductions. What matters is the pensions not only the age -Einstieg. Above all, the years of contributions in pension insurance count .
In order to be able to retire early , you must first apply to the German Pension Insurance. Stiftung Warentest has summarized when this makes sense.
Stiftung Warentest: discount-free pension at 63 - not possible for many anymore
According to the Stiftung Warentest , a pension free from 45 years of insurance is possible. Then you are considered to be particularly long-term insured. Depending on the year of birth, insured persons between the ages of 63 and 65 can then retire without deductions .
Really at the age of 63 years in retirement could go here actually only persons who were born before the 1,953th Even if no deductions are demanded from the particularly long-term insured, due to the less accumulated pension points , they receive a lower pension than if they had continued to work until the regular age.
However, according to Stiftung Warentest, these are usually marginally higher payout amounts.
We think that's funny. # early retirement #heuteshow pic.twitter.com/mwuPmXs7Rs
- ZDF (@ZDF) March 28, 2014Stiftung Warentest: These years count towards the insurance period required for the previous pension
According to the Stiftung Warentest, the minimum insurance period to obtain long-term status is 45 years. These are necessary for an early payment pension from 63 at the earliest . These times count in the 45 years:
- Mandatory contributions from employment subject to social security contributions
- Mandatory contributions from self-employment
- Unemployment benefit (ALG) I
- Company training
- Parental leave
- Caring for relatives
- Sick pay
- continuing Professional Education
- Short-time work allowance
- Military and community service
- Bankruptcy money
- Voluntary pension contributions count if compulsory amounts have already existed for 18 years
Don't count in time:
- Unemployment benefit (ALG) II
- Times during a pension equalization
- Pension splitting
Stiftung Warentest: How the pension age shifts away from 63
How Stiftung Warentest reported the shifts pensions -Eintrittsalter always by two months per year of birth. People born before 1953 could retire at the age of 63 with the appropriate insurance years.
Long-term insured persons who were born in 1958 can retire at the age of 64 . For those with at least 45 years who were born after the year 1964, one applies pensions -Eintrittsalter 65 years.
Stiftung Warentest: The pension from 63 costs
You can also retire at the age of 63 before you have 45 full insurance years . According to the Stiftung Warentest , 35 insurance years are enough to leave the company as a long-term insured. The insured not only lack earnings points when they start retiring earlier, they also have to pay discounts from the pension.
The pension of a long-term insured person is reduced by 0.3 percent per month that he is more likely to retire . The monthly payment is reduced by 3.6 percent per year that is more likely to be retired .
Stiftung Warentest: That costs the pension at 63
Stiftung Warentest is to remember that with each increase in the statutory pensions -Alters the early retirement more expensive. Because the time for which a discount has to be paid also increases.
The discounts remain at the same level for a whole lifetime, they do not decrease as many assume.
This costs the pension at 63 for insured persons who have full 35 years of contributions (year of birth, discount):
- 1951: 8.7%
- 1952: 9.0%
- 1953: 9.3%
- 1954: 9.6%
- 1955: 9.9%
- 1956: 10.2%
- 1957: 10.5%
- 1958: 10.8%
- 1959: 11.4%
- 1960: 12.0%
- 1961: 12.6%
- 1962: 13.2%
- 1963: 13.8%
- 1964: 14.4%
Stiftung Warentest: pension for people with disabilities
How Stiftung Warentest reported people can already before the age of having a severe disability 63 years in retirement leave. 35 years of contribution payment are also required.
For people with a disability over 50 percent of which is pensions -Eintrittsalter risen to 65 years. People born before 1958 can retire at the age of 63 and a few months .
Stiftung Warentest: Pension for people with disabilities 63 years ago
But it is also possible for people with severe disabilities to retire before the age of 63. According to the Stiftung Warentest, installments are also due here.
This amounts to 0.3 percent per month that the insured is more likely to retire .
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By Lucas Maier
List of rubric lists: © Christian Charisius / dpa
