Erwerbsminderungsrente
Reduced earning capacity pension
Around €900 gross/month — a DRV pension if illness or disability leaves you able to work less than 6 hours a day.
Почати заяву →The reduced earning capacity pension is the statutory pension benefit for you if your health leaves you with sharply limited work capacity: full EM pension if you can work less than 3 hours a day, partial EM pension if you can work 3 to under 6 hours. The issuing authority is the Deutsche Rentenversicherung (DRV Bund / Regional), which checks your insurance record, medical evidence and usually the principle of “rehab before pension”. Official information is available from the <a href="https://www.deutsche-rentenversicherung.de/DRV/DE/Rente/Allgemeine-Informationen/Rentenarten-und-Leistungen/Erwerbsminderungsrente/erwerbsminderungsrente_node.html">Deutsche Rentenversicherung</a>. The pension may be temporary or run until old-age pension starts; it is based on your pension points, and earnings from work can reduce the payment.
Право на отримання
- Medical capacity: less than 3 hours/day = full EM pension; 3 to under 6 hours/day = partial EM pension; 6 hours or more usually means no EM pension
- Insurance record: at least 5 years in German statutory pension insurance before reduced earning capacity starts
- Compulsory contributions: at least 3 years of compulsory contributions in the last 5 years before reduced earning capacity starts (exceptions can apply, e.g. work accident/occupational disease)
- Age: you are below your personal standard retirement age (usually 67 for people born in 1964 or later); once you reach it, old-age pension normally replaces EM pension
- Medical/Reha file: DRV can apply “rehab before pension”; your diagnoses, treatment, hospital/rehab periods and residual work capacity must be documented
- Income: household income/assets are not entry tests, but your earnings from work can reduce payment above the DRV annual limit; full EM annual limit at least 3/8 × 14 × monthly reference amount, partial EM at least 6/8 × 14 × monthly reference amount/individual cap