Age protection: coalition wants to fix pension level of 48 percent

Union and SPD want to legally fix the current pension level of 48 percent by 2031. This level of performance of the statutory pension insurance shows the ratio of the pension based on a certain calculation value to the available average fee. SPD boss Saskia Esken regarded the plan that extends beyond the end of the ongoing legislative period when presenting a joint coalition agreement as a “clear signal of security”. CSU boss Markus Söder emphasized that his party was also important to his party in pension.

Without legal interventions, the pension level would decrease in the coming years, because due to the aging of society, less and less payer and more pensioners come. According to official calculations, it would drop to 46.9 and 2045 to 44.9 percent in 2030. That would not be synonymous with pension cuts, but the pensions would no longer increase as much as the income in Germany.

The billion dollar costs, which result from a fixation of the pension level, want to compensate for the CDU/CSU and SPD from tax funds. In this way, excessive increase in pension contributions should be avoided.

Pensions at the age of six

In 2026, an “early start pension” is to be introduced. For every child from the age of 6 to the age of 18, which attends an educational institution in Germany, ten euros per month should flow into an individual, capital -covered and privately organized retirement pot. “The amount saved during this time can continue to be saved up to an annual maximum amount from the age of 18 until the pension is retired.” The income from the depot should be tax -free until the retirement – the savings capital should only be paid out when the regular age limit is reached.

Nothing should change at the retirement age – the age limit should continue to increase gradually to 67 years. A discount -free pension after 45 years of contribution should remain possible in the future.

Work longer

But the black and red partners want to achieve more people voluntarily. “We make working in old age with an active pension,” promises your coalition contract. Anyone who reaches the statutory retirement age and continues to work voluntarily should receive their salary up to 2,000 euros a month. Return to the previous employer after reaching the standard age limit should also be easier – an existing pre -employment ban is to be lifted. According to the plans, the additional earning options for the survivor’s pension are also improved.

The mother’s pension should be expanded and thus “completed”. Three pension points for everyone – regardless of the year of birth of the children – should ensure the same appreciation and recognition for all mothers. The company pension scheme is to be strengthened.

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