Many Germans do not want to wait so long until they have reached their regular retirement age.
If you would rather quit working sooner, you should know a few things.
Retire relaxed at 63 *: This is definitely an option for many employees.
However, it depends on what discounts you may want to accept - but not only that: The experts from Stiftung Warentest give
an initial overview
on
Test.de of
what you have to pay attention to.
Here is a selection of your most important tips for early retirement in brief.
Retire earlier?
Entitlement, discounts, age, application
1. Claim: “
Not everyone has to work until their regular retirement age.
With enough contribution years, many can go into early retirement from 63, ”the experts said.
2. reductions: years Entry With at least 45
could be
without deductions
- without reduction in pension - retire earlier.
Those who only have at least 35 years, on the other hand, have to expect losses.
3. Age:
The retirement age for the deduction-free pension with 45 insurance years increases for each year, it says on
Test.de
: “For the 1957 year it is 63 years and ten months.
For the pension with deductions after 35 years of insurance, the age remains 63 years
. "
4. Application:
The
early retirement pension
you have in the
pension insurance Germans
apply to the experts.
"Make an appointment in your area or during Corona times for telephone or online advice.
The pension insurance also advises on retirement and checks your
entitlement.
"
Further reading:
Retirement at 63: This is how much money it costs if you want to retire earlier.
When is it possible to retire - with or without discounts?
5. Retirement:
In order to calculate the individual data for the possible retirement, there is
a “retirement
calculator” for a first impression on
Test.de
, where you can enter
your
date of birth. As a result, the
start date for the regular old-age pension
is displayed
in one field, the
start
date of the pension for long-term insured persons (35 years of insurance
) and the information
about the
percentage of the deductions
on the pension in this case. After the calculation, the third field also shows the
point in time at which the deduction-free pension
would
begin for those with particularly long-term insurance (45 years)
.
Special rules apply to people with severe disabilities when they retire, as the experts also explain.
"You don't have to work as long as people without disabilities."
6. Partial retirement
: Many
companies
would also offer part-time retirement, according to you.
For many older employees, this is a conceivable option for a smooth transition from work to retirement.
However, there is no legal right to partial retirement.
You can also read
: Basic pension: First notifications sent as early as July 2021 - important information for many pensioners.
Consult a professional if you have specific questions
Basically, if you want to know exactly
what losses an earlier retirement would mean
and what
pension entitlements
he would have in a specific case should contact a specialist in good time.
The German Pension Insurance can help with many questions.
If, for example, the amount of the deductions is concerned, a tax advisor can also sound out when and whether a model is available individually.
(ahu) * Merkur.de is an offer from IPPEN.MEDIA.
For further reading:
Formerly retired with a part-time job: Why it could be worthwhile this year in particular.
The money before the euro: do you still know these EU currencies?
The money before the euro: do you still know these EU currencies?
List of rubric lists: © Monika Skolimowska / dpa
