Actually, people should retire later. So it has decided the policy and the retirement peu à peu pushed back. But a new study shows that The large majority of older workers do not want to later, but earlier in the peace. Of the baby-boom cohorts of the so-called baby Boomer Generation does not want to work once every Tenth up to the regular retirement age, according to “world on Sunday”.
she refers to a study by the Bergisch University of Wuppertal. Thereafter, 30 percent of the respondents want to go with 60 years in retirement, and 26 percent at age 63. 15 percent cited as a desire point in time 65 years. But the Problem is: Between desire and reality there is a gap. Because the hurdles for early retirement are high, and the pension age of 60, only a very small circle of senior citizens can dream of.
65 years and eight months in retirement
Currently, the regular potential retirement age at 65 years and eight months. Under certain conditions, can be Insured, but also earlier – with and without pension reductions in old-age pension, if the necessary conditions are met. This is in addition to the completion of a specific age, the minimum insurance period (qualifying period), in the case of early old-age pensions, the compliance with certain ceilings on additional earnings.
Who can retire earlier
There are the following different possibilities of an early old-age pension: the old-age pension for especially long-term Insured old-age pension for the longterm Insured and the pension for severely disabled people.
45 years of Insurance
The old-age pension for especially long-term Insured get Insured, this year at least 63 years and eight months of age and 45 years of insurance periods. Here, too, the level increases, the age at entry way. 2029 the age limit of 65 years is reached.
35 years
The old-age pension for the longterm Insured are there for people who have completed 35 years in the statutory pension insurance. The age limit depends on the year of birth and gradually from 63. at the age of 67. Of age. Early mobilisation from the 63. Age is, however, possible, however, with a discount of up to 14.4 percent. Who this year will be 63, this old-age pension, a discount of 10.2 per cent.
disabled
The old-age pension for disabled Insured persons may receive, the minimum period of insurance of 35 years to meet and hampered the start of the pension to at least 50 percent. The age limit depends on the year of birth and gradually from 63. at the age of 65. Of age. A premature claim is a function of the year of birth between the age of 60. 62. Age possible, however, with a discount of up to 10.8 percent.
women
The old-age pension for women, only for Insured persons Born 1951 in claim could be taken.
earnings
Until Reaching the regular age limit may earn people in respect of an early retirement pension up to 6300 Euro in the calendar year, qualifying free. The amount of 6300 euros in additional earnings is divided by twelve and deducted 40% on the pension. The pension is then paid as a partial pension. However, there is an individual maximum limit for the addition of merit – the merit of the cover. For calculating the reduced pension and the additional earnings. This amount is higher than your previous income (the highest income in the last 15 years), will be credited the above amount to 100 percent of the remaining pension.