If the spouse is deceased, then a widow's pension can be applied for. How a mini-job is credited to the widow's pension depends on the income limit.
Update from February 6, 2023: Did you know? Arrange your retirement provision in good time: Pensioners must take this into account when making a will.
Widow's pension: Be careful with a mini-job - you have to pay attention to this income limit
First reported on January 27, 2023: Hamburg – Many pensioners try to earn a few extra euros with a job in addition to receiving their pension. Depending on your income, this can lead to a reduction in your pension. But how does a job count towards the widow's pension? Is there already a threat of cuts in a mini-job? 24hamburg.de explains how the widow's pension is offset against one's own pension and what payments can be expected.
| Totality of the 16 institutions of the statutory pension insurance according to the Social Security Code (SGB): | German Pension Insurance (DRV) |
| Foundation: | 1 October 2005 |
| Insured: | 56,771,213 (as of 31.12.2020) |
| Colleague: | 61,000 (as of 30.6.2022) |
The widow's pension provides financial support for surviving dependents
The death of a spouse is traumatic for many consumers in Germany. In addition, death places a heavy financial burden on the surviving dependent. From now on, costs that were previously shared will have to be borne alone. However, many survivors are entitled to the death quarter, during which three months' pensions from the deceased are paid to the surviving dependent. Subsequently, the so-called widow's pension can be applied for.
Many consumers work in a mini-job – do the 520 euros already lead to a reduction in the widow's pension? © Cavan Images/Imago
The widow's pension, like the child-raising pension, is one of the pensions due to death. It is currently paid out to around 4.5 million women in Germany. Widowers are also entitled to the widow's pension, which is only colloquially known – in Germany, 700,000 men receive the pension. The amount of the widow's pension depends on the age of the surviving dependents. What consumers need to keep in mind: There is a financial limit for receiving the widow's pension – if too much is earned, it can be reduced.
Is the widow's pension reduced by a mini-job?
Since July 2022, widows and widowers have been allowed to earn more in addition to their survivor's pension than in the previous year. These include salary or even an old-age pension that has already been received. The allowance set by the German pension insurance is 950.93 euros in the West – previously it was 902.62 euros. In the east, the allowance is lower and is 937.73 instead of the previous 883.61 euros. If you are below this income limit, you do not have to expect a reduction in your widow's pension.
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The allowance is even increased again for each child who is entitled to an orphan's pension after the death of the spouse. The allowance would increase by 201.71 euros for a child to a total of 1152.64 euros. If you have a mini-job, you can earn up to 520 euros per month. If no further income is added, the widow's pension will not be reduced. If the widow or widower has additional income from other jobs or an old-age pension, the widow's pension may be reduced.