Category: Pension & Retirement
Choose the procedure you need
All procedures (6)
- Early retirement in Germany: two routes sharing one name
- How is a German pension calculated? The formula and its three factors
- Pensions for foreigners and refugees in Germany: five years and one missing condition
- Reduced earning capacity pension: three hours and six hours decide it
- Retirement age in Germany: the full table by year of birth
- Widow’s and widower’s pension: small, large, and the one-year rule
About this section
The German pension system as Book VI of the Social Code (SGB VI) sets it out: retirement age is not 67 for everyone but a table graded by year of birth; the pension formula with its three factors; and the two early-retirement routes that share a name — one carrying a 0.3% deduction per month, the other carrying none at all after forty-five years of contributions. It also covers what applies specifically to foreigners and refugees: the five-year general qualifying period, the bilateral agreements that override national law, and the contribution-refund rule that erases every accrued right. Plus the reduced earning capacity pension and the widow’s pension.
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Widow’s and widower’s pension: small, large, and the one-year rule
A single one-year condition ends most claims — and the statute writes in its own way out.
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Reduced earning capacity pension: three hours and six hours decide it
The test is hours, not diagnosis — and a contribution rule ends many claims before medicine is reached.
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Pensions for foreigners and refugees in Germany: five years and one missing condition
The condition is insurance, not a passport — but one signature on a refund application erases every year, irreversibly.
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Early retirement in Germany: two routes sharing one name
What separates them is not your age but your waiting years — and it is worth 14.4% of your pension for life.
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How is a German pension calculated? The formula and its three factors
Three factors only — and knowing them lets you calculate your pension on one sheet and see which factor you can actually move.
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Retirement age in Germany: the full table by year of birth
The number 67 belongs to those born in 1964 or later alone — everyone else has a threshold counted in months in the text of Section 235.