As of: February 4, 2024, 7:01 a.m
By: Karolin Schaefer
Comments
Press
Split
Like employees, social security contributions must also be paid in retirement.
These can significantly reduce your pension.
Frankfurt – When the well-deserved retirement calls, the pension is applied for.
How much actually ends up in the account depends on several factors.
In addition to taxes that pensioners have to pay, there are also social security contributions.
Social security contributions in retirement: This is how high the amounts for health insurance are
“In retirement, you will have health and nursing care insurance the same as in your previous working life,” writes the German Pension Insurance on its website.
As a rule, pension recipients are compulsorily insured in statutory health insurance.
Accordingly, they also have to pay contributions.
The amount of the contribution is based on a nationwide uniform contribution rate.
This is currently 14.6 percent.
7.3 percent of the costs are paid by the pensioners themselves.
The rest is taken over by the pension insurance, which withholds the monthly portion when the pension is paid out and then pays the entire amount to the health insurance company.
Anyone who is voluntarily insured in statutory health insurance must pay the contribution to the health insurance company themselves.
However, a subsidy can be applied for when applying for a pension.
This will then be paid out together with the pension, informs the German Pension Insurance.
Those with private insurance, on the other hand, do not have a uniform contribution rate.
This depends on the entry age, health risks and additional benefits.
You have to pay these social security contributions in your pension: This applies to long-term care insurance
A uniform contribution rate of 3.4 percent also applies to nursing care insurance.
Pensioners pay this in full themselves. The costs are also due for those with voluntary or private insurance.
In addition, anyone who has no children and was born after 1939 has had to pay a surcharge of 0.6 percent since last year.
My news
New survey of the most popular supermarkets: Kaufland crashes, winner jumps from 11 to 1read
Bakery chain from Baden-Württemberg has to close due to hygiene deficiencies - 160 employees have been laid off
Usury on Austria's ski huts: A price increase particularly annoys experts
Practical Google Maps service discontinued – this is bittersweet, especially for drivers
ZDF tests meat sausage: Inexpensive discounter product delights experts
Rewe and Edeka sell baked kebabs: “Whoever buys this should get a free slap in the face” read
During retirement, contributions for health and nursing care insurance must be paid.
© Michael Gstettenbauer/imago
People who have reached the standard retirement age are exempt from unemployment insurance.
However, anyone who retires early and continues to work still has to pay 1.3 percent into unemployment insurance.
This no longer applies as soon as you reach the standard retirement age.
Social security contributions in retirement: How you can improve your pension
Pensioners can still continue to work.
With the so-called flexi pension, the transition from working life to retirement can be made flexibly.
You can earn as much extra as you want.
In addition, the pension can be increased additionally by paying contributions to the pension insurance from your salary.
The contribution rate is 18.6 percent, half of which is paid by the employer.
There is also a surcharge from the state.
There is an additional 0.5 percentage points for each month that you continue to work after your retirement begins.
After one year, the old-age pension increases by six percent, according to the German Pension Insurance.
The increase will then be paid out in the following year.
Meanwhile, Social Minister Hubertus Heil is promising a new pension package.