Pension insurance; information
Statutory pension insurance is a branch of social insurance. It covers almost all gainfully employed persons as compulsory insurance (for self-employed persons partly on application) or as voluntary insurance. For pension insurance for farmers, see Alterssicherung der Landwirte, for craftsmen Handwerkerversicherung, for those employed in miners Knappschaftsversicherung, for certain disabled people Behinderte Menschen, sozialeSicherung für
Pension insurance is financed by contributions from insured persons and employers and by federal subsidies.
Essentially insured are:
- Employees employed for pay, as well as apprentices or those otherwise employed for their vocational training;
- home-basedworkers (home workers, helpers for), development workers as well as persons doing military service or a voluntary social year or a voluntary ecological year or the Federal Volunteer Service ;
- certain self-employed persons(self-employed persons, social security for), e.g. teachers, educators and persons working in nursing, maternity, infant or child care who, in connection with their self-employed activity, do not employ any employee subject to compulsory insurance, midwives and obstetric nurses as well as persons who, in connection with their self-employed activity, do not regularly employ any employee subject to compulsory insurance and who work on a permanent basis and essentially for only one client;
- persons who are to be qualified for gainful employment in youth welfare institutions or in vocational training centres or similar institutions for disabledpersons (vocational promotion for disabled persons);
- persons during the period for which they are receiving sickness benefit, injury benefit, care sickness benefit, transitional benefit, unemployment benefit or unemployment benefit II;
- persons for whom child-raising periods are to be credited;
- persons who do not professionally care for a person in need of care with at least care level 2, who is entitled to benefits from social or private care insurance, for at least 10 hours a week in their home environment;
- self-employed artists and publicists(artists' social insurance).
In the case of marginal employment, exemption from compulsory insurance is possible. Certain groups of persons may be exempt from compulsory insurance. Those who are not compulsorily insured may take out voluntary insurance for periods after reaching the age of 16 Voluntary insurance.
Essentially, the following benefits are granted: Medical rehabilitation measures and benefits for participation in working life to maintain, improve and restore earning capacity(cures, sports for the disabled, occupational promotion), including economic assistance (e.g. transitional allowance, travel and transport costs, household assistance), pensions to insured persons and to surviving dependants (pensioncalculation), pension compensation(sever ance pay) and reimbursement of contributions, contributions for pensioners' health insurance(pensioners' health insurance).
Section 23(1) of the German Social Security Code (Sozialgesetzbuch I); Social Security Code (Sozialgesetzbuch VI); Section 1 of the German Social Insurance for Artists Act (Künstlersozialversicherungsgesetz)
Statutory pension insurance institutions (for information, advice, receipt of applications and granting of the benefits provided for by law); insurance offices at the district offices and independent cities; municipal administrations; advisers to insured persons (for information, advice and receipt of applications)
Objection, social court action
Links to more information
Responsible for editing: Bayerisches Staatsministerium für Familie, Arbeit und Soziales
- Online transactions, Bavaria-wide
- Online transactions, locally limited
- Prefillable Form, Bavaria-wide
- Legal bases, Bavaria-wide
- Legal bases, locally limited
- Fees, Bavaria-wide
- Fees, locally limited