As of: February 14, 2024, 12:40 p.m
By: Marco Blanco Ucles
Comments
Press
Split
New figures from the federal government show that in order to receive a civil service pension, normal employees would sometimes have to work significantly longer than a normal life.
More and more pensioners are suffering from financial difficulties in old age - despite the pension increase in 2024 - and receive low salaries.
Extreme differences are particularly noticeable when pensioners are compared with retirees.
The reason is quickly explained: While the pension is calculated based on the last income - a maximum of 71.75 percent of the gross salary - the pension, on the other hand, adds up all income from the working years.
Average pension in Germany is significantly higher than average pension
Now a report from
BILD
is causing a stir.
In it, the paper refers to figures from the federal government.
Accordingly, the average pension in Germany is 2,630 euros.
A sum that the pension does not come close to.
According to the
Pension Atlas
, men receive an average gross pension of 1,728 euros, while women only receive 1,316 euros.
Many retirees struggle with financial problems as they age.
© Pond5 Images/IMAGO
In order to end up with a pension similar to that of pensioners, employees would have to earn around twice as much as the average.
Full-time employees in Germany earn an average of 4,323 euros gross per month, according to the
Federal Statistical Office
.
Based on this value, employees must earn more than twice the average salary to reach the average pension value.
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According to BILD figures, an employee who receives an average salary would have to work for a total of 73 years to receive pension benefits - absolutely unrealistic.
The numbers are even more surreal for people who earn less than the average gross salary.
For example, if an employee earns 2,000 euros gross per month, he or she must work for 118 years to receive pension benefits.
Federal Office of the Interior and Homeland warns against comparison
However, the comparison is flawed in some points, emphasizes the
Federal Office
of the
Interior
and
Homeland : “The comparison of average pensions and pensions is a comparison of apples and
pears
.” Because while pensions cover the entire or the majority of a working life, flow into The pension also covers shorter periods of employment, such as mini-jobbers or with a second job, as well as all occupational groups with pension insurance.
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Civil servants must also take out private health and nursing care insurance to cover the portion of medical expenses not covered by the allowance.
These contributions are risk-related and therefore increase with age.
The
Federal Office
of the
Interior
and
Community emphasizes that for many civil servants' pensions
,
there would be much less left over net than gross.
The social benefits, however, have already been deducted when calculating the pension.