There has been a lot of talk about the basic pension in recent months - it is the hope of many retirees.
Much more important for seniors, however, is the new pension allowance.
Munich - Hundreds of thousands of pensioners are entitled to basic security in old age or housing benefit for the first time thanks to the Basic Pension Act.
Others are entitled to up to 223 euros more basic security * than before.
The only problem is: the pension insurance and social welfare offices provide only sparse information about this.
The basic pension was introduced at the beginning of 2021.
The Deutsche Rentenversicherung is gradually reviewing 26 million pension accounts.
That will drag on until the end of 2022.
For an estimated six percent of retirees, there will be an average of around 75 euros more in pension.
That is little.
The pension allowance introduced by the same law is much higher for basic security in old age and for housing benefit.
This means that pensioners who have been insured for many years are entitled to up to EUR 223 more basic security per month.
There are similar advantages to housing benefits.
Pension and basic security: requirements and what you should do
Prerequisite:
33 years of basic pension periods must be registered in your own pension account. This includes all compulsory contribution periods from gainful employment. This can also be a mini-job that is subject to insurance. Furthermore, among other things, periods of child-rearing up to the child's tenth birthday, in the case of several children usually until the youngest child is ten years old. More than ten million pensioners are likely to come to 33 years of basic retirement. Exact data is not yet available, says Katja Braubach from the German Pension Insurance Association.
Information gap:
The pensioners themselves usually do not find out that they have 33 or more years of basic retirement and can thus often receive (more) basic security in old age or housing benefit. It is true that the “33-year requirement” is checked for all existing pensioners, some of whom have been receiving pensions for decades. However, only the relatively few pensioners who are actually granted a basic pension receive a notification of this ("Annex Basic Pension Times"). The lucky ones then not only get the basic pension supplement to the normal pension (overview of topics). In addition, the monetary “investment basic pension time” can bring you a kind of “basic security plus” - or a higher rent or expense allowance at the housing benefit office.
Example calculation
: A single person from Stuttgart receives a basic pension of 100 euros in addition to his pension of 840 euros - together that's 940 euros.
After deducting the social security contributions, 835 euros remain.
The “Basic pension times annex” is enclosed with his notification of the basic pension.
He submits this to the social welfare office, which now calculates as follows: Taking the exemption into account, his deductible pension is only 612 euros (835 minus 223).
That is enough for his (small) rent of 400 euros, but not for his livelihood.
He is entitled to an additional 234 euros of basic security in old age.
New pension allowance: back payments of several thousand euros possible
Without notice:
The vast majority of retirees are not sent such a “basic pension schedule”. You are not entitled to a basic pension and therefore do not receive any notice. If you are already receiving basic security or housing benefit, the social welfare or housing benefit office will obtain the certificate of the basic pension periods from the German pension insurance. However, those who apply for basic security or housing allowance for the first time with regard to the pension exemption must be careful. The offices can call up the basic pension time information from the pension insurance - but do not have to.
The Deutsche Rentenversicherung Bund advises: "In order to avoid double requirements, the basic security providers and those affected should agree." In any case, the following applies: If the 33-year requirement is confirmed, the exemption will be recognized retrospectively later - but for an initial application for basic security only from the month of application. Then an additional payment of up to several thousand euros can beckon. The same applies to housing benefit.
More information:
on the subject, call the fax number 09001/25 26 65 51 (1 minute = 0.62 euros) until December 9, 2021. Set the fax device to "polling" or "polling", fax service - Select the number and press the start button.
No fax?
Then send a self-addressed envelope franked with 0.95 euros plus 1.55 euros in postage with the keyword “Rentenfreibetrag” to: Biallo & Team GmbH, Bahnhofstr.
25. 86938 Schondorf.
The jump into early retirement is tempting for many workers.
But if you want to get out early, you have to pay attention to a few things.
* Merkur.de is an offer from IPPEN.MEDIA
Rolf Winkel