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Pension insurance; information and advice
Statutory pension insurance offers protection against the risks of old age, disability and death, particularly for employees, but also for certain self-employed persons and other groups of people.
Online services
Online services
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Online-Kontakt - Deutsche Rentenversicherung
Do you have a general inquiry about rehabilitation, pensions, old-age provision or do you need a consultation appointment with Deutsche Rentenversicherung? You would like to send documents to the German Pension Insurance without much effort? Here you will find various ways to get in touch.
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Deutsche Rentenversicherung - Online-RechnerThe German pension insurance offers you some calculation programs. For example, you can use your last pension information to determine the earliest possible, the regular start and the amount of your retirement pension.
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Procedure details
Description
Statutory pension insurance is a branch of social insurance. It covers almost all gainfully employed persons as compulsory insurance (for the self-employed partly on application) or as voluntary insurance.
Pension insurance is financed by contributions from insured persons and employers as well as federal subsidies.
The main insured persons are
- Employees working for remuneration as well as trainees or those otherwise employed for their vocational training;
- home traders, development workers and persons doing military service or a voluntary social year or a voluntary ecological year or the Federal Voluntary Service;
- certain self-employed persons, e.g. teachers, educators and persons working in nursing, maternity, infant or child care who do not employ an employee subject to compulsory insurance in connection with their self-employed activity, midwives and maternity nurses as well as persons who do not regularly employ an employee subject to compulsory insurance in connection with their self-employed activity and who work permanently and essentially only for one client;
- Persons who are to be trained for gainful employment in youth welfare facilities or in vocational training centers or similar facilities for disabled persons;
- Persons during the period for which they receive sickness benefit, injury benefit, sickness benefit, transitional allowance, unemployment benefit or unemployment benefit II;
- Persons for whom child-raising periods are to be credited;
- Persons who care for a person in need of care with at least care level 2, who is entitled to benefits from social or private care insurance, and who do not work at least 10 hours a week in their home environment;
- self-employed artists and publicists.
Exemption from compulsory insurance is possible in the case of marginal employment. Certain groups of people may be exempt from compulsory insurance. Anyone who is not compulsorily insured can take out voluntary insurance for periods after the age of 16 Voluntary insurance.
The following benefits are essentially granted: Medical rehabilitation measures and benefits for participation in working life to maintain, improve and restore earning capacity, including economic assistance (e.g. transitional allowance, travel and transportation costs, household help), pensions to insured persons and surviving dependants, pension compensation and contribution refunds, contributions for pensioners' health insurance.
The statutory pension insurance institutions provide information, advice, accept applications and grant the benefits provided for by law.
The insurance offices at the district offices and independent cities, the municipal administrations and the insurance advisors provide information, advice and accept applications.
You can obtain information by calling our free service number 0800 1000 4800.
Legal bases
Related links
Related issues
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Reduced earning capacity pension; applicationIf you are no longer able to work due to illness or disability, you can receive a reduced earning capacity pension in many cases.
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Apply for a reduced earning capacity pension in the event of occupational disability
If you can no longer work in your previous occupation due to illness or disability, you can receive a pension for partial reduction in earning capacity in the event of occupational disability under certain conditions. You must have been born before 02.01.1961.
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Apply for a child-raising pension
If you are raising a child alone because your divorced partner has died, you can receive a child-raising pension.
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Third-party pension; information on how to apply
The term "foreign pensions" refers to benefits under the Foreign Pensions Act (FRG). This law allows foreign ("foreign") periods to be taken into account in German pension insurance under certain conditions.
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Applying for exemption from compulsory insurance in the statutory pension insurance scheme for members of professional pension schemes
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.
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Apply for compulsory insurance in the statutory pension insurance as a self-employed person
If you are self-employed and do not pay contributions, you may lose any benefit entitlements you have already acquired under the statutory pension insurance scheme. You can prevent this by applying for compulsory insurance.
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Apply for a standard old-age pension
If you wish to draw a standard old-age pension, you must submit an application.
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Applying for a pension due to death in the event of disappearance
If spouses, divorced spouses or parents are missing, the pension insurance company can determine the presumed date of death. You can then receive a corresponding pension.
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Request a pension information
If you would like information about your future pension entitlements and your pension start date, you can request this informally at any time.
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Receive or request pension information
From your 27th birthday, you will receive annual pension information from your pension insurance provider if you have paid contributions for a total of at least 5 years. You can also request the pension information informally at any time.
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Clarifying your pension insurance account
In order to check that the information relating to your pension is complete and accurate, you can apply for clarification of your insurance account with your pension insurance provider.
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Request clarification of the pension insurance account of late repatriates and displaced persons
If you are recognised as a displaced person or late repatriate, you should apply for clarification of your pension insurance account so that your insurance periods from abroad can be taken into account.
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Applying for a half or full orphan's pension
Children for whom one or both parents have died can apply for an orphan's pension.
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Apply for widow's pension or widower's pension
If your spouse or registered partner dies, in many cases you can receive a widow's or widower's pension.
Status: 11.12.2024
Editorial responsibility Bayerisches Staatsministerium für Familie, Arbeit und Soziales
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