Berlin
In order to receive the basic pension, certain conditions must be met – not everyone gets it. What matters when it comes to claims.
The basic pension came into effect on January 1, 2021. It is an individual supplement to the pension and should pensioners benefit those who have worked long hours but earned below average earnings. The first notifications were sent out in the summer after the introduction. The final claims should be verified by the end of 2022. But some get nothing. Why is that?
First of all: You do not have to apply for the basic pension supplement yourself. Since July 2021, the German pension insurance has automatically checked all new ones pension applicationswhether the applicant is entitled to a basic pension supplement. If the check shows that this is the case, those affected will receive a new pension notice. This will also inform you about the amount of the surcharge. Anyone who is not entitled to a surcharge will not receive a notification.
Basic pension: who gets it?
Basic pension is given to those who have paid contributions for at least 33 years. Between the ages of 33 and 35, the amount is initially paid out in stages. Only from 35 years basic retirement periods the surcharge will be granted in full. It is aimed at low earners, whereby the contribution must have corresponded to at least 30 percent of average earnings.
According to pension insurance, this is considered a basic pension period:
- Compulsory contribution times from employment or self-employment
- Compulsory contribution times for child rearing and care
- Periods of sickness or rehabilitation benefits
- Consideration times due to child rearing and care
- Replacement times (these are, for example, times of military service, prisoner of war or political imprisonment in the GDR)
When do I not get a basic pension?
If you have other income in addition to your pension, this can prevent the surcharge. Because that’s allowed for the full serve monthly income as Pensioner be a maximum of 1317 euros (single people) or 2055 euros (married couples or life partners). These limit values are adjusted annually.
If you live with a partner in the same household but are assessed individually, your partner’s income is irrelevant. If you get married, you should therefore make sure that your joint income does not exceed the tax-free allowance – provided you continue to do so basic pension want to get. Because married couples are also assessed jointly and the exempt amount is not doubled, as described.
The taxable income, i.e. the tax-free part of the pension, is used to calculate the income widower’s or widow’s pension and capital gains included. If you earn more than the allowance, 60 percent of the excess income will be credited to your basic pension. In total, you can reach a maximum of 1686 euros or 2424 euros. Above there is no entitlement to a (further) surcharge. By the way: Assets such as real estate are not taken into account. (lro)
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