Free of charge: If you do not apply for it, give away money

Usually the statutory pension insurance draws 3.6 percent from the monthly pension for each year that you stop working early. Since 2012, however, people who have 45 insurance years have retired a little earlier, without any discounts. The black -red government coalition has now decided that this discount -free pension should be retained after 45 years of insurance. It is possible at the earliest two years before the regular retirement age.

So if you have the required 45 insurance years together, you should definitely apply for the early retirement. Regardless of whether he really wants to stop working or not. Those who do not apply for them do without a lot of money. Because you can simply continue working despite the early age. As a result, you still get your salary – and on top of that. A great opportunity to save a decent monetary pad for old age.

Anyone who started working early in life and paying them into the pension fund can benefit. In the pension information, the German pension insurance provides information on whether there has been enough retirement years in order to be able to apply for the old -age pension for “particularly long -standing insured persons”. About every third who regularly retires because of age is currently choosing this option. Most stop working in the old job.

You have to know: Even with free of charge, it remains not without loss of retiring earlier. Because those who stop two years earlier pays two years less into the pension fund. The additional payment points are missing. If you currently earn average wages, you would have to do without a good 80 euros a month. Anyone who Riestert or deposits in a company pension may also receive less here than in the annual letters.

However, this can be remedied by retiring – and simply continuing to work.

It was not possible for a long time, because there was a additional earnings limit for early retirees. It was omitted in 2023. That is why you can retire earlier, continue working normally – and continue to deposit into the statutory pension insurance. So after two years of job plus, you get the same retirement pension paid out as if you had waited until normal retirement age. Actually a legal loophole, which the new government coalition apparently does not want to close.

Only in the event of one thing should not be offset: Anyone who receives a pension and continues to work to the old extent has significantly more income than usual – and then have to pay a higher tax rate for the deserved one than before. This is related to the tax progression. There are also social security contributions. Single people in a range of around 40 percent are quickly deducted from additional earnings. But even that now wants to alleviate the coalition: 2000 euros should remain tax -free ().

It is still unclear whether this also applies to the offset -free early retirement. Either way: it is worthwhile to weigh up in peace, whether you actually continue to work fully, go part -time or enjoy retirement directly. But no matter how you decide: Anyone who has the 45 years of insurance should apply for it in any case, the “old -age pension for particularly long -standing persons”, as it says in the authority jargon. Otherwise you just give away money.

Good to know: You don’t necessarily have to have worked for 45 years to have the necessary 45 pension insurance years together. Private maintenance of relatives, upbringing children, also brings times in military and community service. Also important: Some employment contracts automatically end when the pension. But that does not apply to people who are early. Ending their contracts would be age discrimination. Nevertheless, you should look for a conversation with the boss.

Further assessments of the. By the way: With the German Pension Insurance (DRV) you can get detailed advice on the early age.