Anyone who does a mini job should know what they are entitled to.
Don't forget: mini jobbers also pay for old age.
So much money is in there.
Around six million people
in Germany
worked
in a
mini-job *
in 2020
and earned
a maximum of 450 euros a month
.
That's why they also say a
450-euro job.
So much in advance:
Mini-jobbers can apply for exemption from compulsory insurance with the employer.
This is then binding until the end of the employment relationship.
In many cases, however, this step is not recommended - after all, mini-jobs also pay for old age.
The time spent in a mini-job will later be taken into account in the minimum insurance period for a pension.
Retirement provision: a 450-euro job also counts for retirement
In principle, mini-jobs have been subject to statutory pension
insurance
since 2013
. Specifically, this means: With an
income of 450 euros
, that's
16.20 euros a month
, as the German Federal Pension Insurance Association explains to a report by the German Press Agency (dpa). The
employer
pays the main part of this amount with 15 percent. As a mini-jobber, you usually pay an additional 3.6 percent of your salary into your pension insurance, the report says.
The advantage is that the
time in the
mini-job will
later be included in the
minimum
insurance period
for a pension
, as dpa continues to write.
This applies to the
old-age pension
as well as to a possible
disability pension
and a
survivor's pension
.
Apart from that, the contribution period also counts for
rehabilitation benefits
: "Anyone who has paid mandatory contributions to the pension fund for at least six months in the past two years can apply for rehab through the pension insurance," writes dpa.
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Parents with a 450-euro job: is it worth paying contributions?
According to the pension insurance, a premium payment is particularly worthwhile
for parents with a mini job
: between the child's third and tenth birthday - the "child allowance period" - their contributions would be increased by up to 50 percent when calculating pensions, according to the report.
For the pension, the job then counts as much on a € 450 basis as if it had brought in up to € 675 a month.
And
mini-jobbers
should also know that: The later
retirement pension
increases by
a year in the insurable mini-job
according to today's values by 6.67 euros per month.
According to the dpa, that is 80.04 euros per year and thus 37.08 euros more than without your own deposit.
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Mini jobbers also benefit from the Riester pension
What about the
Riester pension
?
Here, too,
mini-jobbers
would
benefit if they
paid
into the
pension fund
, according to the council.
"Here you only need to pay a small contribution to the Riester pension due to your low income," writes dpa.
This is particularly beneficial for mothers and fathers, as they receive child allowances in addition to the basic state allowance.
And what does it mean for
retirees
if they have a
mini-job
beyond the regular age limit
and pay in their own contributions?
According to the report, the calculation goes like this: With a monthly income of 450 euros and a contribution of 16.20 euros, the pension increases by around 5 euros after one year.
(ahu) * Merkur.de is an offer from IPPEN.MEDIA
.
By the way, you can
find
helpful
tips on pensions
and how you can influence their amount in the “My Pension” guide from Stiftung Warentest (promotional link).
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