Social security contributions are also due for pensioners.
But what do retirees actually have to take into account for health and long-term care insurance?
An overview.
Munich – Pensioners also have to pay social security contributions in Germany.
The statutory pension that one has earned through working life is shrinking through various items.
What they are and what regulations apply to retirees:
Long-term care insurance: Contribution also increases for pensioners
Pensioners must continue to pay into long-term care insurance when they retire.
So far, the amount of the contribution is 3.05 percent of the pension - for childless people it is another 0.35 percent more.
However, that will change from July 1, 2023. Then pensioners who have no children under the age of 25 will have to pay 4 percent for long-term care insurance.
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Pensioners also have to pay social security contributions, i.e. contributions to health and nursing care insurance.
© Ute Grabowsky/photothek.net/Imago
Health insurance: This is how high the contributions are
If you have statutory health insurance, you must continue to pay contributions when you retire.
However, only half of the nationwide uniform contribution rate of 14.6 percent has to be paid.
The other half is covered by the pension insurance.
The same applies to the additional contribution that the health insurance companies set individually.
On average, this is 1.6 percent, which means that the pensioner accounts for 0.8 percent.
Both health and long-term care insurance contributions are deducted and withheld directly from the pension and transferred to the appropriate office by the German Pension Insurance (DRV).
So far, childless pensioners have had to reckon with a total of around 11.5 percent social security contributions.
With the increase in long-term care insurance contributions from July 1, 2023, 12.1 percent will then be due.
sample invoice:
Anyone who has no children and receives a
pension of 1,200 euros
will have to pay an average of 12.1 percent for health and long-term care insurance from July 1st.
That makes a total of
145.20 euros in social security contributions
.
This leaves 1054.80 euros in pension per month.
Pension and taxes: That applies
In addition, pensioners are not exempt from taxes either.
The later you retire, the higher the taxable portion of the pension.
You can read the exact numbers in the table below.
Whether and how much tax you have to pay depends not only on the year in which you retire, but also on the amount of the pension.
Because if the basic tax-free allowance is not exceeded, no taxes have to be paid.
In this way, the state wants to ensure that the minimum subsistence level is secured.
(ph)
List of rubrics: © Ute Grabowsky/photothek.net/Imago
