Retirement benefits

If you are recognized as a displaced person or a late repatriate, you should apply to have your pension insurance record reviewed so that your insurance periods abroad can be taken into account.

A serious illness may prevent you from working until you reach the regular retirement age. If you are affected, you can apply for a disability pension.

If you have voluntary or private health insurance, you can apply for a subsidy toward your health insurance premiums.

If, for health reasons, you are no longer able to work in your current mining job, you may be eligible for a miners' pension under certain conditions.

Are you saving for retirement with a Riester plan? If so, under certain conditions, you’ll receive a tax incentive from the government in the form of a retirement savings allowance.

You can receive the standard old-age pension (regular old-age pension) upon application if you meet certain requirements.

You can apply for an early old-age pension for spouses or domestic partners under certain conditions. 

Under certain conditions, you can apply for early retirement benefits for long-term insured individuals before reaching the regular retirement age. 

Under certain conditions, you can be exempted from compulsory insurance with the Landwirtschaftliche Alterskasse.

Do you earn more than twelve times the annual mini-job limit outside of agriculture? If so, you can be exempted from compulsory insurance with the agricultural pension fund under certain conditions.

If you are temporarily unable to use your tax-subsidized property yourself due to a work-related absence, your housing subsidy account will not be closed under certain conditions.

Are you a compulsory member of a professional pension scheme? Then you can apply for exemption from compulsory insurance in the statutory pension insurance scheme.

If you work as a relative in an agricultural business, you can be exempted from compulsory insurance with the Agricultural Pension Fund under certain conditions.

With a care directive, anyone can specify in advance who the court should appoint as a caregiver if legal care becomes necessary.

When payments from your retirement savings plan begin, the Central Allowance Office for Retirement Savings (ZfA) determines the balance of your housing subsidy account, the reduction amount, and, if applicable, the termination amount, and reports these amounts to the relevant tax office.

If you file a complaint against a statutory social insurance provider with the competent supervisory authority, the authority will investigate the provider’s conduct for potential legal violations as part of its regulatory oversight and work to ensure that such violations are rectified.

If you have drawn up a power of attorney for health care and/or a guardianship directive, you should have them registered in the Central Register of Advance Directives maintained by the Federal Chamber of Notaries.

If you would like information about your future pension entitlements and your pension start date, you can request this informally at any time.

You can request that the repayment amount be determined after terminating your Riester contract.

To find out the current balance of your housing assistance account, you can request a statement.

Are you or were you insured with the Landwirtschaftliche Alterskasse and need information about your future old-age pension entitlements and your pension start date? You can request this informally at any time.

Here you can find information about your rights and obligations regarding social security, including those related to pensions.

If you sell your home or no longer use the tax-subsidized property yourself, your housing subsidy account will be closed, and you will be required to pay taxes on the resulting closure amount.