Pension insurance obligations (Rentenversicherung)

117 posts in this topic

John G. - Well, it was certainly new to me :P

 

It does seem, though, that the Altersversorgung requirement wasn't really enforced until recently. At the least, I have heard consistent anecdotal evidence that many Americans applying for their freelance English teaching visas with the KVR used to get them without having to show proof of Altersversorgung.

0

Share this post


Link to post
Share on other sites

Something was just mentioned on the news, but I didn't catch the meat of it.. Something about selbständige people and Rente obligations or something. Anybody? Searched FAZ and Spiegel and didn't see anything.. Heard it on Klassik Radio...

0

Share this post


Link to post
Share on other sites

OK, so the Rente boss wants to force freelancers to pay..

 

http://www.faz.net/aktuell/wirtschaft/rentenversicherungs-praesident-rische-zuschussrente-lieber-zurueckstellen-11558625.html

 

.. which will of course force many of them into bankruptcy and unemployment...

 

"Und was ist mit der Absicherung der Solo-Selbständigen, die nur selten genug für das Alter zurücklegen?

 

Hier müssen wir etwas tun. Mein Vorschlag ist, die Solo-Selbständigen zumindest mittelfristig in die gesetzliche Rentenversicherung einzubeziehen.

 

Sollte es nicht reichen, dass der Selbständige nachweisen kann, dass er in irgendeiner Form vorsorgt?

 

Das ist der alte Streit zwischen Pflichtversicherung und Versicherungspflicht. Hier scheint mir eine solidarische Absicherung in der gesetzlichen Rentenversicherung sinnvoller. Auch das Ministerium scheint mir eher zur Pflichtversicherung zu tendieren. Man müsste dabei allerdings über Übergangslösungen bei der Einführung nachdenken."

0

Share this post


Link to post
Share on other sites

Can anyone help me this.I am from India and i am studying here and doing student job in some company.But they used to deduct some pension insurance every month.So how and when can i get back my pension money.As it is around 1000 euro now

0

Share this post


Link to post
Share on other sites

This is a most interesting thread! As a future expat, all of this information is very valuable. Thank you John G. and Starhollow for all of your wonderful information!

 

Kris

0

Share this post


Link to post
Share on other sites

 

Can anyone help me this.I am from India and i am studying here and doing student job in some company.But they used to deduct some pension insurance every month.So how and when can i get back my pension money.As it is around 1000 euro now

 

rockstar: if you stay in Germany for under five years, you can get your part back as a non-EU citizen, specifically Indian , ( not the employer´s part ) once you´ve been outside the country two years. I suggest you go to the search thread top right and type in a relevant few words - this topic has been dealt with but it is very specialised. Maybe you´ll find your answer there.

I am a professional independent insurance broker and authorised advertiser. Contact me.
0

Share this post


Link to post
Share on other sites

Hey all, nice thread!

I recently received my first payslip for half month only (thats how long I've been working here) and on it I can see that I have been deducted money for Krankenversicherung and Rentenversicherung, even though I haven't chosen anything. Anyway, my employer said that it is put there like a default. So now, I've chosen to go with TK for public Health Insurance, but do I need to choose a Pension Insurance Company also? What if I don't, where are my money for the RV-Beitrag going now? I know that TK offer Rentenversicherung also, should I go with them on the RV also?

0

Share this post


Link to post
Share on other sites

 

... but do I need to choose a Pension Insurance Company also?

What if I don't, where are my money for the RV-Beitrag going now?

I know that TK offer Rentenversicherung also, should I go with them on the RV also?

 

Since you are an employee, you have no choice, your contribution is going to the German public pension insurance and is compulsory, see here.

Whatever TK offers would be additional.

0

Share this post


Link to post
Share on other sites

Hi guys,

 

I have the same question. I work in Germany as Freelancer IT (contract 6 months), i pay taxes and i have private health insurance and i would like to have a retirement insurance. What i need to do? If after 2 years be permanent from Freelancer can continue with this retirement insurance?

 

Please sent me the german name of the department that i can ask for retirement insurance?

 

Thanks in advance

0

Share this post


Link to post
Share on other sites

You have a number of options - you can pay voluntarily into public pension- that would most likely not be a good deal for you, but up to you. You can set up a private pension plan with some tax benefits for self-employed. It would depend, though, how long you plan to stay in Germany to see if this would make sense for you. And you can do all kind of private pension and investment plans, too.

Get some advice from an independent advisor/broker to find out what is the best option for you

 

Cheerio

I am a professional independent insurance broker, financial adviser, and authorised advertiser. Contact me.
0

Share this post


Link to post
Share on other sites

Starshollow has said it all, StKoeln2012. If I may add another issue: you also need to think about some kind of income protection in case you can´t work till retirement age. That is something younger people either don´t think about or know about.

 

By the way, I notice you´ve just joined Toytown today...just in case you are not aware, do you have what the Germans call private Haftpflichtversicherung? (Private liability insurance ). That is an essential part of planning your financial life.

I am a professional independent insurance broker and authorised advertiser. Contact me.
1

Share this post


Link to post
Share on other sites

Hi every one 

 

I have a question regarding Altersversorge requirement in case of Dauerhaft Aufenthaltserlaubnis. My bearbeiterin in ABH is saying that in order to fulfill DA-EU requirments I have to have 60 months Rentenversicherung paid. According to the website 

https://service.berlin.de/dienstleistung/324281/ in case of a family, the Alterversorge can also be proved together with the spouse. 

 

According to the bearbeiterin ''

eine Anrechnung der Rentenversicherungsbeiträge Ihres Ehemannes, ist bei einer Erteilung zum Daueraufenthalt-EU gemäß §9a Abs. 2 S.1  AufenthG nicht möglich.

 

Lediglich bei einer Prüfung zur Erteilung einer Niederlassungserlaubnis gemäß § 9 Abs. 2  S.1 AufenthG, können die Rentenversicherungsanträge durch einen Ehegatten erfüllt werden.''

 

By the way the website for NE requirments also say the same that Altersversorge requirment can be fulfilled through Spouse too. 

https://service.berlin.de/dienstleistung/121864/

 

Please help with this problem. If any one of you had any idea about this or any experience??

 

Thanks in advance

0

Share this post


Link to post
Share on other sites

your "problem" has a simple explanation:

 

if you really applied for "DA-EU" (Daueraufenthalt EU) like you said, the rules are stated in 

§ 9a Erlaubnis zum Daueraufenthalt – EU

 

if you don't have those 60 months paid by yourself, and want to include your spouse's Rentenversicherungsbeiträge, you could apply for "NE" (Niederlassungserlaubnis Deutschland) instead, and then there will be slightly different rules as stated in 

 

§ 9 Niederlassungserlaubnis

0

Share this post


Link to post
Share on other sites

Thanks Karin_brenig.

 

In case I am issued NE, I suppose my family will also get NE automatically. If in this case I leave Germany to work in another Eu country, can my husband still stay in Germany based upon the NE he had because of me?

 

Actually I am more interested to get DA-Eu as I have a fellowship offer in Netherlands just across the border which I delayed to get DA-Eu first so that I can flixibly go for the fellowship without losing the PR of Germany.

 

Looking forward to your reply.

0

Share this post


Link to post
Share on other sites
53 minutes ago, Eskay said:

Thanks Karin_brenig.

 

In case I am issued NE, I suppose my family will also get NE automatically. If in this case I leave Germany to work in another Eu country, can my husband still stay in Germany based upon the NE he had because of me?

 

Actually I am more interested to get DA-Eu as I have a fellowship offer in Netherlands just across the border which I delayed to get DA-Eu first so that I can flixibly go for the fellowship without losing the PR of Germany.

 

Looking forward to your reply.

 

these very specific personal circumstances are better discussed with a specialized professional - which I am not.

 

If this was me personally in your situation, I'd try to live in Germany (close to the border with the Netherlands) and work in the Netherlands. 

0

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!


Register a new account

Sign in

Already have an account? Sign in here.


Sign In Now