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The pension entrance age is the age, starting from which the recourse to of pension because of age or another pension from the legal old age pension insurance is possible.
The rule old-age pension can do 65 with completion. Lebensjahres to be stressed. A condition for it is, apart from the age that one waiting period was fulfilled by 5 years. The age of 65 years is thus in Germany the rule pension entrance age. Only few employees are however active to 65 vocationally, because they take one of the following kinds of pension or an acquisition reduction pension up before. The actual pension entrance age is thus substantially below 65 (see section current/criticism).
The old-age pension for women can be requested by women, who are born before 1 January 1952, 60. Lebensjahr with perfection, one waiting period of 15 years fulfills and after completion 40. Lebensjahres put more than 10 years back of compulsory contributions for an insured occupation or activity. The age limit becomes since the year 2000 dependent on the date of birth gradual on 65. Lebensjahr raised. Women can anticipated payments, if they wish it, nevertheless with 60 into pension go, must then however for the premature pension entrance accept.
This pension can be stressed by persons, who were born before 1 January 1952, 60. Lebensjahr with perfection, one waiting period of 15 years and were unemployed after completion of a age of 58 years and 6 months altogether 52 weeks fulfill or 24 months long in part-time work for elderly people worked. A further condition is that in the last 10 years before beginning of pension 8 years compulsory contributions were paid to the old age pension insurance. With this pension the pension entrance age was raised gradually by 60 years since 1 January 1997 to 65 years. Persons of the to including 1945 can get the pension nevertheless with 60 years, then however with anticipated payments.
With this pension the pension entrance age became gradual since 1 January 1997 of 63. on 65. Lebensjahr raised. Can go to Versicherte, which fulfilled the waiting period of 35 years, nevertheless with 63 years into pension, however then anticipated payments must be taken also here in purchase.
Who 60. Lebensjahr completed and one waiting period of 35 years fulfilled, can, if he is with beginning of pension as severely disabled recognized, with 60 years into pension go. Also with this pension effected since 1 January 2001 a gradual rise of the pension entrance age on 63 years, who goes nevertheless rather into pension, gets anticipated payments.
For persons of certain classes there are different confidence protection regulations with the individual kinds of pension. To these the concerning under certain circumstances without anticipated payments can go before the legal pension entrance age into pension.
The coalition contract of the up-to-date governing large coalition from Christian and Social Democrats plans that the pension entrance age is to be raised until at the latest 2035 on 67 years. After plans of vice-chancellor and employment minister Franz is to be raised the pension entrance age however from 2012 on to 2029 gradually.
Thus account is to be carried for the demographic development. Critics object that already today hardly someone works to 65, because the job market for older employees is to a large extent locked. They see the rise of the pension entrance age therefore as cut pension shortening. In the year 2004 the average pension entrance age in Germany amounted to with men 63.1 years, with women 63.0 years. In the new Lands of the Federal Republic the pension begins somewhat in former times as in the old. With men 63.3 years in the east face 62.4 year in the west, with women are it 63.4 years in relation to 61.2 years. The comparison with the year 2000 shows that the pension begins on the average 2004 around a scarce year later. The average end of the working life as employees however lies clearly before the beginning of the pension, so that a temporal gap develops, which still grows in the trend. This income gap developing from it is usually closed with achievements of the Federal Institution for work. With the reforms of the social systems well-known under the keyword Hartz IV were limited these possibilities, so that in the meantime age poverty for the poorer parts of the population of Germany becomes the fear.
Current plans of the cabinet to the pension entrance age as a function of the birth year:
Info. brochures of the German old age pension insurance federation to the pension
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