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Unemployment counts for later retirement - under one important condition

2021-05-03T11:40:51.250Z


The amount of the pension is linked to income. But periods of unemployment also count for later retirement - but what those affected have to pay attention to.


The amount of the pension is linked to income.

But periods of unemployment also count for later retirement - but what those affected have to pay attention to.

Also periods of

unemployment 

count for later 

retirement

*. The experts at

Stiftung Warentest

draw attention to this. The German Press Agency (dpa) has also reported on it. Anyone who loses their job should in any case register as unemployed, according to the dpa report on the subject. Even if there is no entitlement to unemployment benefits, it can pay off, according to the “Financial Test Special - Your Pension” by Stiftung Warentest. Because: Only then will the time also count for later retirement. For example, if you want to retire earlier, you have to have a

minimum

insurance period. A

registered unemployment

 helps

to secure

these

insurance periods

.

You can also read

: Retirement at 63: This is how much money it costs if you want to retire earlier.

The report also states: If

unemployment benefit 1 is

paid, the

employment agency

usually also

pays pension contributions

- but only for

a maximum of 24 months

.

The contributions are therefore paid on the basis of 80 percent of the last gross salary.

You can also read:

Tax arrears after short-time work - who is affected.

For

unemployment benefit 2

(which follows on from unemployment benefit)

there is no pension entitlement, writes dpa.

This

time, like the time of unemployment benefit 1, is important for the minimum insurance periods

.

In addition, the unemployed would also be entitled to rehabilitation services, which could possibly help them re-enter the labor market.

Also read:

Termination During Probation: What You Know Now

have to.

How much will your own pension later be

?

Employees can also find central information about this in the 

pension information

, which they receive regularly and which is kept relatively short with two pages.

The 

most important numbers

 are in a box on the first page. 

For further reading: 

Do you want to know how much your pension will be?

These three numbers tell you.

As dpa writes,

long-term insured

persons need, for example, a minimum insurance period in the statutory pension insurance of 35 years before they can retire.

With this variant, early retirees have to accept discounts on their pension.

And, as the report also says:

Particularly long-term insured

persons need a minimum

insurance period

of 45 years.

With this variant, there are no discounts.

If you have any questions about pensions, rehabilitation and additional old-age provision

 , the German Pension Insurance will provide information free of charge.

Interested parties can find more information here.

(ahu) Merkur.de is an offer from IPPEN.MEDIA.

Sources: dpa, Stiftung Warentest

Also interesting

: Basic pension: The first notifications will be sent out from July - what pensioners should also know.

With these seven tips you can save a lot of money in everyday life

With these seven tips you can save a lot of money in everyday life

Source: merkur

All life articles on 2021-05-03

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