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  1. The DRV made decisions based on wrong facts, and despite me pointing this out and providing documentation, they don't correct their mistakes. I already filed a Wiederspruch, but it's a bit too much for me with my German skills.   I could contact a lawyer, but I was wondering if there is something like a Mietverein for pension-related matters. Paid options are welcome.
  2. Direktzusage Pensions

    Anyone have experience setting up a 'Direktzusage' pension scheme for employees from an employer perspective? Would be interested in discussing this with a professional in this field on a hourly fee basis. PM me please or feel free to share your experiences. Thanks.  
  3. Riester-Rente for American Expats

    So I've combed through these forms reading all I can about pension planning for American expats here in Germany and haven't been able to decide on a suitable direction. I've also e-mailed @Starshollow's company for advice (after reading this thread: but I'm curious if any other fellow Americans have come across this.   I'm a 30 year old who has been living here for exactly 5 years now, paying into state pension the entire time. I work full-time as a web developer for a German company and near the end of next year (2018) I'll be up for permanent residency on my blue card (I've only had this since Feb 2016). We do have a company pension here, my employer contributes a maximum of 35€ and we do the rest per month, and it's offered through either Allianz or Zurich. I have an appointment with someone from Zurich in the future to discuss options. The thing is, everything I've read has scared the crap out of me. It almost seems as though depending entirely on this for retirement is a huge mistake and I'm not sure I'm willing to take the risk. I just want to throw my arms up at this point and settle for a savings account that I put 100-300€ in a month. Though I know that probably won't be a good idea either. It seems after reading the above thread that the best option is a Riester-Rente "ungezillmerten". But then after feeling quite satisfied with my discovery, I also found that a.) They are few and far between and b.) not offered to American citizens thanks to FATCA and FBAR. Is this really the case? Has anyone found (what they believe to be) a working solution?
  4. I recieve Austrian, German and UK state pensions. My UK pension is almost a full pension as I have paid 32 years contributions, however most of those contributions were Class II voluntary contributions. I pay the usual 7,3% health insurance and 3,3% care insurance to my Krankenkasse from both my UK and Austrian pensions and it is automatically deducted from my German pension. Now someone on a UK forum has suggested that my UK pension entitles me to free health insurance from the AOK. Does anyone know anything about this?
  5. Hello, I wonder if anyone is  receiving Swedish pension benefits (both allmän and/or tjänstepension) while working here in Germany and receiving Kurzarbeitergeld. I am eligible to receive pension bennies soon, but want to know if receiving this money will in any way reduce my Kurzarbeitergeld amounts. Perhaps important in this context is the fact that the amounts will not be a full pension, but rather only from work for approx. 15 years in Sweden.   I have found this online: "Die Teilrente wird nicht auf das KUG angerechnet. So sieht es der Anwendungsausschluss  des § 156 SGB III im Sinne des § 107 Absatz 2 SGB III vor." (Source: Maybe the Swedish pension could be considered a Teilrente because of the amount.   Thanks all.
  6. Check Pension contributions

    Is there a way to check how much money I have paid to state pension and how much I will get when pension age comes ?   is there a way to request this online ?    why can not Germany make such website when many countries have it ?