Welcome. Unit for International Social Insurance Law and Co-operation

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1 Welcome Unit for International Social Insurance Law and Co-operation

2 Table of Contents Social Security System Who is insured? Which periods are taken into account? Benefits Connections with international law Voluntary insurance and contribution refund Contacts

3 The Deutsche Rentenversicherung within the Social Security System of the Federal Republic of Germany Social Security (e.g. for civil servants) Social Welfare Social Insurance Health Insurance Long-term Care Insurance Accident Insurance Pension Insurance Unemployment Insurance Deutsche Rentenversicherung

4 Pillars of Old Age Pension Schemes Company pension schemes Statutory pension insurance scheme = Private old age provision Basis

5 Social insurance contributions Principles Example in EUR (01/2014) Gross 1, Social insurance contributions Income tax (tax bracket III) 0,00 Church tax 0,00 Solidarity tax contributions 0,00 Social insurance Unemployment insurance Health insurance Pension insurance Care insurance Accident insurance Employee s contribution Employer s contribution XX.XX Net

6 Organisation of the Deutsche Rentenversicherung (German Pension Insurance) Deutsche Rentenversicherung 14 regional agencies Deutsche Rentenversicherung Knappschaft-Bahn-See (Pension insurance for miners, railway workers and seafarers) Deutsche Rentenversicherung Bund

7 Who is insured? Compulsory insurance Employees Trainees Recipients of social benefits (sickness, unemployment etc.) Child-raising Voluntary insurance Every person older than 16, residing in Germany and who is not compulsorily Germans who reside abroad Foreigners outside Germany with previous insurance periods Military service Self-employed persons in certain branches

8 Compulsory insurance in the statutory pension insurance system Persons categories Employees Self-employed persons Others With pay / in vocational training in dependent employment Teachers and educators Care workers Midwives and male midwives Sea pilots Artists and publicists People doing business from home Coastal mariners and coastal fishermen Craftsmen Self-employed persons with one client People raising children Caregivers (e.g. family members) Persons in voluntary federal service Persons receiving social benefits Persons receiving an early retirement pension

9 Allocation periods Periods Credited Periods Incapacity for work / illness and rehabilitation benefits / participation benefits Pregnancy and maternity Unemployment and search for a training position School, technical school / college or university (from the age of 17 onwards) Supplementary period while receiving a pension Receiving unemployment benefit II

10 Benefits Medical/occupational rehabilitation Old age pensions Reduced earning capacity pensions Surviving dependants pensions

11 Rehabilitation Leistungen zur medizinischen Rehabilitation/ benefits and services for medical rehabilitation Leistungen zur Teilhabe am Arbeitsleben/ benefits for your work place (i.e. special shoes, training to acquire new skills, etc.) earning capacity is considerably threatened or even reduced due to illness, accident or disability rehabilitation always comes before pension

12 Pension due to Reduced Earning Capacity Regelaltersgrenze noch nicht erreicht / normal retirement age has not yet been reached Erwerbsminderung (EM) liegt vor / breduced earning capacity due to illness, accident, disability 5 Jahre Versicherungszeit (in der Regel Beitragszeiten) / 5 years insurance period from employment (usually contributions) In den letzten 5 Jahren vor Eintritt der Erwerbsminderung 36 Monate Pflichtbeiträge / 3 years of compulsory contributions from insured employment or activity within the last 5 years before the reduction of earning capacity

13 Old age Pensions Regelaltersrente / Regular Retirement Pension Vollendung des 67. Lebensjahres*/ reaching the age of 67 5 Jahre Versicherungszeit (in der Regel Beitragszeiten)/ 5 years insurance contributions * Stufenweise Anhebung der Altersgrenze vom 65. auf das 67. Lebensjahr/ gradual increase of retirement age from 65 to 67 Eine vorzeitige Inanspruchnahme ist nicht möglich/ an early retirement is not possible

14 Hinterbliebenenrente / Survivors Pensions Lebensweg / path of life Witwen- / Witwerrente Widow s / Widower s pension Waisenrente/ Orphan s Pension Erziehungsrente Child Raising Pension

15 International and Bilateral Agreements Differentiation International Agreements EU + EEA + CH (EC Regulations) State D State Bilateral Agreements D State Social Security Agreement

16 Pension entitlement with insurance periods from several countries Evaluation of qualifying period for regular old age pension taking into account insurance periods from several countries Birth date Nationality Denmark Compulsory contributions Germany 01/70-12/71 24 months Sweden 01/80-12/81 24 months Finland 01/82-12/83 24 months 72 months Qualifying period is completed when insurance periods from all countries are taken into account

17 Pension entitlement with insurance periods from several countries Evaluation of qualifying period for regular old age pension taking into account insurance periods from several countries Compulsory contributions USA 01/81 06/83 30 months Germany 01/89 12/90 24 months Netherlands 01/95 08/96 20 months SSA USA 54 months EC Reg. 44 months 74 months Qualifying period has not been completed Information Possible entitlement to contribution refund Not permissible to apply several agreements at once (exception: Brazil)

18 Pension amount: simple example Employment in one of the federal states of former West Germany Gross remuneration in 2012 Basis for the assessment of contributions 54,000 EUR = earning points 33,002 EUR Average pay of all insured persons EUR monthly pension

19 Voluntary insurance Requirements and and No compulsory insurance 16 years Place of residence in Germany or German nationality

20 Contribution refund: Requirements: 1. No compulsory insurance 2. Not entitled to pay voluntary insurance Note: Contributions can only be refunded after a waiting period of 24 calendar months has been completed after the compulsory insurance in the German pension insurance ended

21 Please get an appointment at your local German Pension Office for a personal consultation!

22 Who can provide help for me? Statutory pension Rehabilitation Old age provision in german language! Service hotline: Information and consultation offices Independent Unbiased free of charge

23 Who can provide help for me? Look into the internet... internet

24 Who can provide help for me? Take a look into info broshures these broshures existed in english language:

25 Thank you for your attention! Have a nice day.