Altersrente
State old-age pension
Around €1,500 per month on average — Germany's statutory state old-age pension via the Deutsche Rentenversicherung.
Rozpocznij wniosek →Altersrente is the cornerstone benefit of Germany's statutory pension insurance (Deutsche Rentenversicherung, DRV). It is paid to all insured persons who have reached the standard retirement age — or who meet the requirements for an early-retirement pension. Applications go to the DRV (federal or regional carrier) and should be filed about three months before the desired pension start date. The pension is paid from the month in which the entitlement requirements are first met. Eligibility extends to all persons covered by the German statutory pension insurance — employees, self-employed in mandatorily insured professions, voluntarily insured persons, as well as EU citizens and third-country nationals with German contribution periods. The pension amount is calculated from the earnings points (Entgeltpunkte) accrued over the entire working life.
Warunki
- At least 5 years of waiting period (allgemeine Wartezeit) for the standard old-age pension
- 35 years of waiting period for the long-term-insured pension (with reductions from age 63)
- 45 years of waiting period for the especially-long-term-insured pension (no reductions from age 64+2 months for cohort 1959)
- Severe disability (GdB ≥ 50): old-age pension for severely disabled persons from age 62 (with reductions) or from 65+2 months (no reductions)
- Reduced earning capacity: full or partial Erwerbsminderungsrente if a medical assessment confirms the reduction
- Residence in Germany not required — the pension is also paid abroad
- EU citizens: yes, with foreign insurance periods aggregated under Regulation (EC) No 883/2004