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  1. I am attempting to get information from the Deutsche Rentenversicherung (Bund) about the German State Pension that I should receive from June 2019.   Things were progressing well until I received a letter, dated 23 January 2019, stating the following:   "Sehr geehrter xxxxx,   wir bestaetigen den Eingang Ihrer Unterlagen.   Da das Vereinigte Koenigreich ab 30.03.2019 nicht mehr Mitgleid der EU sein wird and zum gegenwaertigen Zeitpunkt noch nicht klar ist, welche Rechtsvorschriften im Verhaeltnis zum Vereinigten Koenigreich ab dem 30.03.2019 Anwendung finden werden, kann Ihr Rentenantrag zur Zeit noch nicht abschleissend bearbeitet warden.   Die Uebersendung eines Rentenbescheides kann somit bis auf weiteres nicht erfolgen.   Wir werden Sie zum gegebenen Zeitpunkt ueber die weitere Verfahrensweise informieren"   I have not heard anything further.   Are the Deutsche Rentenversicherung (Bund) able to withhold my "Rentenbescheid" from me?   The fact that I don't have my "Rentenbescheid" is already impacting me as my company pension from a German company can't, apparently, be paid out to me if I can't provide the German company with a copy of my "Rentenbescheid"!   Any feedback would be much appreciated!
  2. Hi, I am working in Germany for 2 years. I am a non-EU citizen and I will move to another EU country for work. Can I still pay voluntary contributions to the German pension from another EU country? If yes, what is the minimal contribution? Thank you in advance
  3. Dear TT,   I am aware that there is ample previous coverage about contributing to the German state pension (Deutsche Rentenversicherung). But... this mainly covers teachers only. I understand some other professions are also required to contribute.   I need the facts answered clearly. I work 98% of the time as a photographic retoucher who works with photoshop, I rarely take photos where I receive money but lets say 2% of my income is through taking pictures. Must photographic retouchers who are self employed freelance workers working for different clients, contribute to the Deutsche Rentenversicherung? Does my profession fall into this category of those who must contribute or not? Does anyone have a current list of the professional occupations which are obliged to contribute? I want to see the facts.   As a mid 30's British person who is newly registered in Berlin, DE since 4 months, I am planning my future to potentially stay long term. I heard terrible things about the DRV, its horrendously poor investment value. I do not want to contribute. I also have the dilemma of dealing with Brexit. As a non EU person, will I need to prove I am contributing to the DRV in order to stay if I need a resident permit if Brexit happens? If if if... Or if my profession does not fall into the category which must contribute DRV, is a private pension sufficient for the visa office? Or can I carry on contributing only to my UK pension, would this be enough to retain my residency status at the visa office or must it be a German fund?   I heard that if 83.3% of your income is with one client that you must then contribute to the DRV regardless of who you are or what you do as freelance worker. Is this the case? I may be close to the 80% by the end of the tax year, my regular 'main' client is not German, Is there no loophole around this? I worked for about 10 clients this year so far, so I am definitely 'freelance'. But my main source is from the regular client who I do not want to lose. Is there no way I can still legally please the visa office with my contributions but avoid the DRV? I understand the KSK as an option for 'artists'. Is my profession acceptable for the KSK to cover me? If the KSK cannot cover me are there any other options? I heard about this. If I was covered by either of the 2, would this void me having to contribute to DRV if I work more than 83.3% with one client? I cannot lose my main client.   Germany is certainly not the freelancer friendly at all. NOT AT ALL. Is there anymore hidden horrors I should uncover before I decide to settle further?   I look forward to hearing your advice on how I should go forward before I am too far 'into' Germany. I may decide to leave the country purely based on potentially having to give approx 19% of my income to a terrible fund. And I cannot lose my clients.   Thanks TT   p.s - I already fully contribute to a German healthcare fund.
  4. Exemption from pension insurance

    Hi,   I am currently exempted from paying into the Deutsche Rentenversicherung since almost 3 years ago (until 01.11.2015).   I used the  "Antrag auf Befreiung von der Versicherungspflicht in der. Rentenversicherung für Selbständige mit einem Auftraggeber" in 2012 to accomplish this.   Today I received a letter that I will have to pay in the pension system starting 01.11.2015, either the (Half)Regelbeitrag or depending on the income (not a good option for me).   I have indeed one client, so I might seem like I am Scheinselbständig and 'cheating' the system, but my only client is a foreign company without a seat in Germany hence I must work as a freelancer for them as they can not employ me here (I was employed for this company for years before moving to Germany when I started consulting for them as a freelancer).   Does anyone know if there is any chance to use this to continue to be exempted from paying into the pension system?   Thank you in advance
  5. Freelancer pension and citizenship

    I've read a few articles on these forums but I still don't have an answer. I also realise all the rules might be changing in 2019 and that worries me even more.   I'm a non-german married to a German and moved here on a marriage Visa. I worked as a freelancer for the first year (2017) and chose not to pay into a pension. I am now employed and also freelancing so my employer is paying into the state pension for me. My question is 2 fold.   1. I intend to apply for citizenship towards the end of year 3 (as I'm married to a German and have completed all other requirements this should be fine). Obviously I only have about 8 months of payments in state pension from my current employer. As I was a freelancer before, are they going to make me retroactively pay into the pension to make sure I have a full 3yrs of payments?   2. I'm also intending on going back into full time freelance in the next few months. Am I now required to continue paying into the state pension? How will this affect my eligibility for citizenship? I don't mind either way, it will just affect my budgeting.    Any advice would be welcome. Even the details of an advisor.   Thanks!   Nick
  6. Hi everyone,   I'm trying to understand whether I'm eligible for the pension contributions refund and was hoping someone could help - my situation is a little unusual. Also, apologies if this has already been discussed in a different thread, I checked quite a few and haven't found the answer.   I worked in Germany as a non-EU citizen with a Blue Card from September 2014 until August 2017, and I left the EU after that. Based on that I believe I can claim a refund of my pension contributions in September of 2019. However, in July of 2018, I became a citizen of another EU country, which makes the whole thing complicated. Technically, as an EU citizen I'm not eligible for a refund, however, I made all my pension contributions as a non-EU citizen. So would it be possible for me to get the refund or not?   Thanks!
  7. Pension Advice

    Hi,   I have started working at a new company and am looking at signing up to the company pension scheme and to be honest its a little confusing.   My old pension has a guaranteed return of 1.5% and the new pension has a guaranteed return of 0%.   The advisor from my new company has said I have three options: 1. Keep the old pension and make the contributions myself (Pro: keep the positive guaranteed %, Con: it is limited performance) 2. Transfer the capital to the new provider (Pro: better performance, Con: no future positive interest) 3. Move the old pension to a private pension with a lower contribution with a salary conversion and start a new company pension.   To me it seems silly to move from something with a guaranteed increase to something that has the potential to do better, but also the potential to do a lot worse.   Also if i move it to a private pension, assuming I am able to do this, it means I will be contributing twice and paying more tax?   Does anyone have any thoughts or advice?   Thanks!
  8. Leaving Germany - just lost 33K

    Hi,   So I will leave Germany in July to start a new job in Canada.   I just realized that as of today, I have paid 61 months of pension contribution, and so because of these last two months, I cannot claim a pension+VBL refund when I leave (goodbye 35K Euros, sigh). Well, except for the few hundred euros a year I might get after age 67. I could have just taken a vacation starting November 2018, or gone back to a tax-free fellowship and thus stopped my pension contributions at 59 months. Aargh !   So now I am trying to make sure I don't lose more due to ignorant and lackadaisical stupidity I will talk to the rentenversicherung and VBL to make sure I keep my future pittance of a pension alive. I guess then there is tax - I never filed a return, and in principle, I could claim money over the last four years.   a: Is there much to be gained ? I am single, no kids (Tax class 1) and don't have any itemized deductions except for the pension contribution and the private health insurance contribution. Does my automatic tax deduction (at source) likely already take these into account ? My salary slip does mention them...   b: I will move to Canada with a similar salary in July. Would I be likely to get much of a refund for the 4 odd months I will be paid a salary this year ? From May to July, I will go back into a guest fellowship, so I will only have taxable income for 4 months. Is it worth consulting a tax advisor ?   Thanks !!!    
  9. Claiming UK pension in Germany

    I will be 65 in a few days and will be eligable for my UK pension in July and my German pension in October. I have a dual British/German citizenship and am resident in Germany but do own a flat in the UK which I use when visiting my 87 year-old mother and a UK bank account for paying the utilities etc. on my flat.   My question is this: Do I have to let the Deutsche Rentenversicherung apply for my UK pension, in which case I might lose the index-link increases after Brexit, or can I apply myself and have the pension paid into my UK bank account and declare the income on my German income tax form.
  10. Private pension insurance

        Can someone suggest private pension insurance , fund , bond etc which will be flexible to pay and withdraw (any time before pension age too)   p.s will it be possible to offset (absetzen) this kind of private pension insurance contributions from income tax?   Thanks
  11. Hi everyone,   I am wondering if anyone has any experience with A) claiming payments made to a voluntary pension scheme through your employer, and B ) Reporting payment received when cancelling said pension on the tax return.   To give a little more detail, the pension was some kind of scheme where I made a payment, my employer then made an extra payment as a "bonus" and I think the government then also made a payment.   I am wondering if I can or should somehow report the payments I made (this was in 2016 and 2017).   When I cancelled, I only got back the part that I put in myself, but it was "tax-free", so I need to report it somehow on my tax report, however I have no idea where.   Is anyone able to advise me?   Thanks in advance!