When you can retire and how your pension is calculated depends, among other things, on when you were born.
If you have reached the age of 62 and have already acquired 480 months of insurance (= 40 years), you can go into corridor pension.
Since you can only claim the corridor pension after reaching the age of 62 at the earliest, it will be eligible for men from 2017 and for women from 2028 according to the new legal situation. For women, it becomes relevant later because they can retire before the age of 62.
The partial pension is not a pension, but a special form of (continuous) partial retirement. The difference to "normal" partial retirement is that the employer will be reimbursed by the AMS for 100% (instead of 90%) of the wage compensation to be paid to you if you would meet the requirements for claiming the corridor pension during the partial retirement.
For women, the corridor pension – and thus the partial pension – will not come into consideration until 2028.
Upon application, retirement can take place from the age of 60 if heavy labor was performed in a certain period prior to the pension reference date. The following requirements must be met:
Acquisition of 540 months of insurance (45 years) and acquisition of at least 120 months of heavy labor (10 years) in the last 240 calendar months (20 years) prior to the reporting date. For women, the heavy labour pension will be eligible from 2024. However, there are additional regulations for certain age groups.
If you suffer from health problems and can no longer work, you are entitled to the disability pension (blue-collar workers) or occupational disability pension (employees). You need certain insurance periods for this. After an accident at work or in the event of an occupational disease, the existence of the insurance is sufficient.
The principle applies: rehabilitation before retirement! This means that if you apply for a disability or disability pension, it will first be considered an application for rehabilitation measures. It is checked whether medical rehabilitation is possible or whether disability or occupational disability can be avoided in the long term through appropriate and reasonable vocational rehabilitation . In the case of medical rehabilitation, you will receive rehabilitation allowance in addition to the medical measures. In the case of vocational rehabilitation, you are entitled to retraining measures and retraining allowance. If medical or vocational rehabilitation measures are excluded, you are entitled to a disability or occupational disability pension if you have completed the necessary insurance periods.
There are deviations for persons born before 31.12.1963. For example, in the event of temporary disability/occupational disability, you do not receive rehabilitation or retraining allowance, but a temporary pension benefit.
The claims of the surviving dependents are derived from the claims that the deceased would have against the pension insurance. This means that the deceased must have acquired certain insurance periods depending on their age. No previous insurance periods are necessary if the cause of death was an accident at work, an occupational disease or a military service injury.
The widow's or widower's pension is paid for an unlimited period of time if the marriage has resulted in a child, the marriage has lasted 10 years, the widow has reached the age of 35 at the time of the partner's death, or if the widow is disabled at the time of the partner's death. Otherwise, the pension is limited to 2.5 years.
If the deceased spouse already received a pension at the time of marriage, the pension is indefinite if the marriage lasted 3 years with an age difference of up to 20 years. Between 20 and 25 years difference, the marriage must have lasted 5 years, if there is a difference of more than 25 years, 10 years.
The regulations also apply to registered partners. The same applies to former spouses if the insured person had to pay them maintenance until death. This also applies to registered partnerships.
Children receive a half-orphan's pension if one parent has died, and a full orphan's pension if both parents have died. Legitimate and illegitimate children, adopted children and stepchildren of the deceased up to the age of 18 are entitled to an orphan's pension.
Another prerequisite is that the deceased parent has had as many years of insurance as are necessary for disability pension (varies depending on age). If there are not enough insurance periods, there is a one-off payment instead of the pension. After the orphan's 18th birthday, the orphan's pension can continue to be paid, for example, if and as long as (max. up to the age of 27) an education is completed that makes predominantly use the orphan's labour.
Trade union vida Department of Pensioners
