As of: March 1, 2024, 4:45 a.m
By: Sandra Sporer
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In order to calculate the pension correctly, the information from the pension insurance company should be complete.
The account clarification shows existing gaps.
Bremen – You have to have at least 35 years of contributions in order to be able to retire at 67 without deductions.
Those who have been insured for a long time can retire at the age of 63 without any deductions.
How high the pension payments are depends on how much has been paid in over the years.
In order not to have to work longer than necessary or to end up with less money than you are legally entitled to, the information available to the pension insurance company should be correct and complete.
This can be ensured by clarifying your account.
Pension information should be checked for completeness at an early stage - account clarification makes this possible
Account clarification can be requested on the German Pension Insurance website using form V0100.
You will then receive information about all employment periods previously taken into account by the pension insurance, according to the news
portal
chip.de.
If something is missing from the listing, it can be corrected.
Account clarification is important in order to really get the most out of your pension.
This shouldn't wait until shortly before retirement.
© Sven Simon/IMAGO
However, this is only possible if you can provide appropriate proof.
Therefore, account clarification should not be postponed until shortly before retirement.
The longer it has been since the period that needs to be added, the more difficult it can be to find the relevant evidence in your own documents or to have it sent to you again.
In the worst case, this is no longer possible and the benefit can no longer be counted towards the pension.
Clarifying accounts helps you get more money in old age - these factors are also taken into account when you retire
It's not just employment relationships that are relevant here.
Other benefits or periods can also be claimed for the pension, informs
finanztip.de
.
These include, among others:
Unemployment (possible proof: unemployment benefit notice)
Child-raising periods (must be applied for separately using form V0800)
Periods of illness (possible proof: proof of health insurance or doctor, rehabilitation approval notice)
School or study time (Possible proof: confirmation of study time from the school or university)
Although school time is mentioned in the list, regular school time - i.e. primary, middle and secondary school as well as high school - cannot of course be counted towards the pension.
“Attending a technical college or college or university is not eligible until your 17th birthday at the earliest,” it says on the pension insurance website.
Up to eight years can be claimed here – even without a degree.
(
sp
)
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