It is generally compulsory for employees to be insured under the statutory pension fund. The pension insurance ensures that you are financially secure in your old age.
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But you must have paid in contributions for at least five years to receive a pension.
The pension age is gradually being raised. At present, you
can claim a pension if you are aged 65 years and 8 months or older (born in 1954); after this date, the pension age rises gradually to 67; this age limit will then apply for anyone born after 1964 as of 2031.
However, there will be exceptions, including people who have paid into the statutory pension fund for a particularly long time. The pension insurance fund also supports you before the statutory pension age in cases of incapacity.
This means, for example, that you receive support if you have a serious illness or disability which prevents you from working full or part-time within the foreseeable future under the normal conditions of the general labour market.
There is also support if you are widowed or an orphan.
But is this enough?
The statutory pension is lower than your income during your working life. To maintain your standard of living during old age, you should supplement the statutory pension insurance with a private preventive care.