As of: February 1, 2024, 11:44 a.m
By: Carina Blumenroth
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People with severe disabilities are allowed to retire earlier - the age limit for retirement has now been raised.
You can leave at age 65 without any deductions.
People with severe disabilities can retire earlier without having to face deductions.
Severely disabled people can retire two years before their normal retirement age without any deductions.
With discounts, even earlier retirement is conceivable.
Stiftung Warentest
looked at the advantages and disadvantages of earlier retirement.
Pension with severe disability: It is not possible without a severely disabled certificate
It is about the same size as the ID card and has the colors green and pink - the severely disabled person's ID card.
If you have a disability, you will certainly have your severely disabled person's ID card ready.
You absolutely need this in order to be able to retire earlier.
The ID card not only offers you advantages when it comes to possible retirement, you also get other benefits from the ID card.
These age groups are allowed to retire regularly and without severe disabilities under the age of 67.
Severely disabled people can retire earlier - from those born in 1964 only at the age of 65.
(Symbolic image) © Eibner/Imago
You must meet these requirements in order to receive an early pension with severe disability
If you want to retire earlier, you must meet a few requirements in order for your pension application to be accepted.
For example, when you apply, you must have at least a severe disability rating of 50 and you must also have at least 35 years of insurance.
Severe disability pension: Two years earlier without deductions, up to five years earlier with deductions
Retire two years before the general retirement age: severely disabled people can do this without having to worry about deductions.
If you don't care about deductions, you can retire up to five years earlier.
You should definitely seek advice about what option makes sense for you.
You can seek advice from the German pension insurance, for example.
If problems arise, social organizations are the right people to contact.
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Pension with severe disability: Retirement possible at the age of 65
The general retirement age will be gradually increased from 65 to 67 years.
The retirement age for severely disabled people has also been adjusted; the age limit has increased from 63 to 65 years.
Severely disabled people born in 1964 are the first to be able to retire without deductions until they are 65.
Stiftung Warentest
shares the following information for the regular start of retirement with a severe disability:
vintage |
Age (year and months) |
Start of pension (month and year) |
|---|---|---|
1958 |
64 |
01/22 to 01/23 |
1959 |
64+2 |
03/23 to 03/24 |
1960 |
64+4 |
05/24 to 05/25 |
1961 |
64 + 6 |
07/25 to 07/26 |
1962 |
64+8 |
09/26 to 09/27 |
1963 |
64 + 10 |
11/27 to 11/28 |
from 1964 |
65 |
from 01/29, after reaching the age of 65 |
If you accept deductions, you can retire up to three years earlier, which would mean starting your pension at the age of 62.
The deductions are staggered according to the years.
Deductions for a year earlier:
3.6 percent
Deductions for two years earlier:
7.2 percent
Deductions for three years earlier:
10.8 percent
For each month in which the pension is claimed earlier, 0.3 percent will be deducted.
By starting your pension earlier, those responsible assume that you will take advantage of your pension for longer overall.
The deduction is intended to compensate for this.
Stiftung Warentest
explains that money is also deducted when the regular pension starts at the age of 65 and is severely disabled.
The reason for this is that severely disabled people who retire earlier also have two pay points less in their pension account.
These two pay points currently represent a minus of 72.04 euros in the west and 71.04 in the east of Germany.