As of: February 26, 2024, 6:08 p.m
By: Karolin Schaefer
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Press
Split
Anyone who, as a mini-jobber, does not want to pay pension insurance contributions from their monthly salary can be exempted.
But that carries risks.
Frankfurt – tutoring, temporary help in retail or serving in a restaurant: mini-jobs are particularly popular with students.
But other parts of the population also work in them.
These are minor jobs with a monthly income of a maximum of 538 euros.
They are also entitled to a pension.
Although mini-jobbers are compulsorily insured in the pension insurance, they can request an exemption from this.
But does that make sense?
Pay into your pension with a mini-job: These are the advantages that marginally employed people have
Even with a full-time job, sometimes the pension in retirement is not enough.
It looks similar with a mini-job.
Anyone who has long-term, part-time employment and is exempt from pension insurance does not acquire any pension rights during their working life.
As a mini-jobber, it can be worthwhile to pay into your pension insurance.
© IMAGO/KH
Accordingly, mini-jobbers have a “high risk of poverty in old age,” warns the Federal Employment Agency.
It may therefore be worthwhile to pay a small contribution from your salary into the pension fund.
This means that mini-jobbers benefit from the full protection of pension insurance, as the mini-job headquarters knows.
According to the Minijob Center, these are the advantages of paying into pension insurance:
Collect waiting months
: Mini-jobbers collect a waiting month for each month of employment.
Anyone who has accumulated 60 months (around five years) is only entitled to a pension.
Increase your pension
: The full amount of your mini-job earnings will be credited towards your future pension.
This increases, albeit only slightly.
According to the German Pension Insurance, if you earn 538 euros a month, your pension will increase by five euros after one year.
Entitlement to
a disability pension
: Employees are entitled to a disability pension for the first time after reaching the minimum number of waiting months.
Entitlement to
state funding
: Mini-jobbers and married couples are entitled to private pension provision with state allowances, such as the Riester pension.
Entitlement to
rehabilitation
: The pension insurance pays a transitional allowance for rehabilitation measures.
To do this, compulsory contributions must have been paid into the pension fund for at least six months in the past two years.
Paying into pension insurance with a mini-job: How high is the contribution rate?
The contribution rate is 18.6 percent – but at least 32.55 euros.
The costs are shared by employers and part-time employees.
In business, the employer pays a flat rate of 15 percent, in private households five percent.
For employees, the proportion is 3.6 percent in business and 13.6 percent in private households.
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Even if long-term marginal workers cannot expect a high pension and have a little less money available at the beginning of the month, they still benefit from considerable advantages when paying into pension insurance.
The most important thing is that they enjoy the full protection of pension insurance.
Mini-jobbers would only be entitled to waiting months on a pro-rata basis if they were exempt from payment.
Paying your own contribution is also worthwhile for parents with a mini-job.
According to the German Pension Insurance, contributions between the child's third and tenth birthday are increased by up to 50 percent when calculating the pension.
This is the so-called child consideration period.
Be exempt from paying pension insurance contributions in a mini-job: This is what you should pay attention to
If you want to be exempt from paying pension insurance contributions in a mini-job, you should consider this carefully beforehand.
The exemption is binding until the end of the employment relationship.
With the exemption application, the personal contribution no longer applies.
The flat-rate contribution continues to be paid by the employer.
When it comes to pensions, increasing the retirement age is always up for discussion.
Labor Minister Hubertus Heil is convinced: “With me there will be no further increase in the retirement age.”
Leading economists believe this is a mistake.