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What is the pension if you have never worked?


Employees usually pay into the German pension insurance. But what social benefits do I get if I've never worked?

Employees usually pay into the German pension insurance.

But what social benefits do I get if I've never worked?

Hamburg – As a rule, employees pay a contribution to the German pension insurance when they receive their salary.

The self-employed, freelancers and the unemployed do not necessarily pay this contribution.

But how high is the future pension if contributions were never paid into the pension fund?

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Social insurance:

German pension insurance


October 1, 2005


56.7 million (December 31, 2020)


21.2 million (as of July 1, 2022)

What if I never worked?

Employees, trainees and craftsmen are just a small selection of professional and personal groups who are compulsorily insured in the German pension insurance.

The self-employed, freelancers, unemployed and Co. do not have to pay any compulsory contributions.

However, voluntary contributions are often worthwhile in order to increase the later statutory old-age pension.

But what happens if consumers have never worked and have not made any voluntary contributions to the pension fund?

This has a clear impact on the statutory old-age pension.


How high is the pension if you have never worked - do you have to apply for basic security?

© Michael Gstettenbauer/Imago (symbol image)

A pension entitlement only exists if at least a waiting period of five years has been reached.

"The waiting period is a certain minimum insurance period for statutory pension insurance," she writes.

The fulfillment of five years is a prerequisite for the standard old-age pension, the pension for reduced earning capacity and pensions due to death.

The latter include the widow's pension and the child-raising pension.

However, if you have never worked, you do not have to wait five years – what then?

How high is the pension if no contributions were paid into the pension fund?

Anyone who is not entitled to a pension can apply for basic security.

Social assistance is funded from taxes and supports those who have never paid into the pension fund.

People in need who do not receive a regular old-age pension and cannot cover their living expenses with their income are entitled to basic security.

Basic security can also be applied for in the case of a full reduction in earning capacity.

How high the basic security is depends on income and assets - the assets of the spouse are also taken into account.

Single adults get at least 449 euros, couples get 809 euros together.

  • What counts towards income when applying for basic security?

  • earned income

  • annuities and pensions

  • maintenance payments from parents

  • Parental allowance over 300 euros

  • Rental and Lease Income

  • child support

  • sick pay

  • Interest charges

  • What does not count towards income?

  • 30 percent of the income from self-employment/employment, at most 50 percent of the standard needs level 1

  • Basic pension according to the Federal Supply Act

  • Maintenance claims against parents or children

  • Parental allowance up to 300 euros

  • Up to 250 euros from certain tax-free activities

  • care allowance

  • Benefits from an additional pension plan on a voluntary basis

  • A maximum of EUR 224.50 of the gross pension if 33 years of basic pension periods have been completed.

Income includes, among other things, earned income, pensions, parental allowance over 300 euros, rental income and child benefit.

Assets include cash, securities, savings, household assets and even cars. Anyone who wants to receive basic security must apply for it.

The application must be submitted to the social welfare office or the German pension insurance.

The basic security is paid out for 12 months, after which a new application is required.

If in doubt, the Deutsche Rentenversicherung should be contacted - they will tell you whether you will receive a pension or should apply for basic security.

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List of rubrics: © Michael Gstettenbauer/Imago (symbol image)

Source: merkur

All life articles on 2023-02-02

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