Pension: What does the coalition agreement mean for retirees?

CDU and SPD have agreed on a coalition agreement. The document is entitled “Responsibility for Germany” and comprises 146 pages. With this blueprint, the new federal government primarily wants to get the German economy going back and limit migration.

The coalition agreement also contains a lot that should be noticeable directly in the citizens’ account. According to calculations by tax experts from the German Economy Institute, the coalition agreement contains relief in an average double -digit billion dollar area.

Pensioners in particular could benefit from the agreements. The coalition agreement includes plans on the following issues relating to retirement: pension level, mother’s pension, early start pension, active pension, Riester pension.

The new federal government wants to secure the current pension level of 48 percent by law by 2031. The additional expenses that result from this would be compensated for with tax funds.

The pension level shows the relation between a standardized pension (45 years of contribution payment based on an average income) and the average income of an employee.

There is a decisive change in the mother’s pension: In the future, it should no longer play a role whether the children were born before 1992 or afterwards. Anyone who got children in the past can expect more money.

The previous regulation stipulated that parent received up to 2.5 earnings points for each child born before 1992 and 3 earnings points for children born since 1992.

In 2026, an “early start pension” is to be introduced. For every child from the age of 6 to the age of 18, who attended a school or other educational institution in Germany, ten euros will then flow into an old -age provision per month.

If you are grown up, you should be able to pay a certain amount privately. The income from the depot should be tax -free until the retirement – but the money is only paid out in retirement age.

Union and SPD want to create additional financial incentives so that voluntary work is worthwhile. Anyone who reaches the statutory retirement age and continues to work voluntarily should receive their salary up to 2000 euros a month.

The previous Riester pension is to be transferred to a new pension product. They want to “free them from bureaucratic obstacles” and reform with the waiver of mandatory guarantees and the reduction of the administrative, product and final costs. In addition, one wanted to examine an expansion of the group of beneficiaries.