Pension: How much does someone get who has never worked?

To put it right away: If you never worked, you will not get a pension either.

There is an exception for parents who raised more than one child. You can acquire a pension entitlement because the pension insurance also rewardes educational work. More on this below.

Nevertheless, the state takes care of citizens who cannot care for themselves. You are either entitled to civil allowance (formerly “unemployment benefit II”, for short “Alg II” or colloquially also called “Hartz IV”). Everyone who is fundamentally capable of working and have not yet reached the retirement age receives citizens’ allowance. All others can apply for the so -called basic security.

Basic security is, so to speak, pension for all those who have neither paid enough to pension insurance to be able to live from it, nor have been able to provide or provide for their age. The German pension insurance mentions as a rule of thumb: If you have less than 1062 euros to life per month, you should have your claim for basic security checked.

The conditions for basic security such as citizen benefit are very similar – and both benefits must be applied for at the residence at the social welfare office. The basic security can exceptionally, which then only forwards the application to the social welfare office. If the basic security is approved, it is paid for twelve months. The application must therefore be re -filed every year.

The state makes social benefits dependent on the fact that the recipient initially uses his assets. In addition, parents or children can be used for maintenance if they earn more than 100,000 euros gross.

Your own assets do not have to be used up completely in order to obtain basic security: the exception of cash up to 10,000 euros, reasonable household items and personal heirlooms, the ideal value of which is significantly higher than the monetary value. A house or apartment are also excluded, as long as they are appropriate in relation to the state for maintenance.

Not only the assets, but also a possible income is counted towards basic security. Since we assume that someone has never worked, only so much: maintenance payments, rental income, interest, life insurance or widow’s pensions, all of this is offset against the claim.

The German pension insurance has released a brochure about the details of the basic security. .

As described above, parents can claim a pension claim, even if they have never been a job: the so -called child -rearing times. One of the two parents receives three pension years per child – by default the mother. If the child was born before 1992, it was only two and a half years of pension. Anyone who has five pension years has already acquired a pension entitlement; The German Pension Insurance (DRV) speaks a little cryptically of five years of “waiting time”. Important: to get the pension – the pension insurance speaks of the so -called account declaration. That doesn’t happen automatically.

The three years per child, as I said, can only apply one parent. However, the parents can also divide the “waiting time” among themselves. It is about who mostly educates the child. The pension years are only available as long as he or she does not reach claims for child supply (such as civil servants).

The child -rearing periods are rated with a short fee. That means: The mother or father have the same pension entitlement as if they almost deserved the average wage. Nevertheless, four child -rearing times (12 years) are not enough to make a pension claim that exceeds basic security. The pension insurance indicates for a parent who has not worked, the pension for four children with a maximum of 451 euros (as of April 2024).
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