Early retirement due to illness: You must meet these requirements

Created: 4/4/2022, 2:25 p.m

By: Janine Napirca

Many people look forward to this day: When will you go into your well-deserved retirement?

© Sabine Gudath/Imago

You can find out here which requirements you have to meet for early retirement.

for a variety of reasons

.

However, so-called

often means financial losses for employees.

According to a report by

, the pension is reduced by a

for each month that is brought forward .

You can find out how high the pension increase will be in 2022 here.

Apply for early retirement – ​​Am I entitled to a disability pension?

Are you entitled to a disability pension?

, many employees can

not work as long as the law stipulates.

If you can

, you are entitled to a

.

In fact, according to the report,

is the

.

Here you can find out which jobs are unpopular, although they are actually well paid.

Our pension newsletter informs you every Wednesday about new developments relating to your pension.

Sign up now.

Prerequisites for receiving the disability pension

• medical requirements

• paid into the pension insurance for a minimum of 3 years in the last 5 years before the reduction in earning capacity

• Waiting period of at least five years

Incidentally, it is possible to apply for a disability pension without any age limit, because according to the report, no distinction is made between age, profession or industry.

Health is the only thing that matters.

Many workers suffer from depression

A significant proportion of those who retire early suffer from

, the report says .

and

are also

causes of earlier retirement.

According to Juraforum, the

of the employees concerned is

.

Who can take early retirement?

In order to be able to draw an early pension, you must submit an

.

According to the report, even without a reduction in earning capacity, it is possible to take early retirement before the statutory retirement age:

• Early retirement pension for women over 60

• Pension for long-term and particularly long-term insured persons

• early retirement after unemployment

• Early retirement after reduced earning capacity and severe disability

Source: Juraforum

Don't miss any more job news:

Subscribe to our free career newsletter

Retire early – without deduction

According to the report, in order to be able to retire without deductions at the age of 63, you must have

.

However, the entry age will be gradually raised from 63 to 65.

The years also include a voluntary social year, military service, community service or raising children up to the age of ten.

Retire early – at 55, 60 or 63?

• Retirement at 55

  : civil servants and employees who have seen themselves exposed to high professional demands throughout their professional lives

• Retirement at 60

  : employees of the fire brigade, Lufthansa pilots, severely disabled people with a degree of disability between 50 and 35 years of pension contributions, and employees in mining if they have worked underground for at least 25 years (applies to years of birth before 1964)

• Retire at 63

  : those who have contributed to a pension for 35 years or who have signed a partial retirement agreement

What applies to mini jobs?

According to the report, since 2017 the additional income from a mini-job has been reduced by the contributions to the pension insurance.

When the

is reached, pensioners with a mini-job are

.

Would you like more tips on the subject of jobs and careers?

Early retirement in the event of unemployment, Hartz 4, social assistance, basic security

According to a report by the Juraforum, the change in the law in 2011 meant that no pension insurance contributions were paid by the job center while unemployment benefit 2 was being drawn.

Anyone who receives Hartz4 does not acquire

during this time .

In addition, the job center can ask Hartz4 recipients to retire at 63, which is referred to as

retirement .

However, according to the report, they cannot retire earlier if the expected pension is so low that

they would have to claim

Read here what a minimum wage of 12 euros means for your pension.