As an worker in Germany, you need to pay at the moment 9.95% of your gross earnings to the German Federal Pension Fund (“Gesetzliche Rentenversicherung”). If you’re going the depart this nation, you’ll have to likelihood to say again this cash. This depends upon your nationality, the nation of your everlasting residence, and the time you paid for the German pension fund. I need to level out that this text covers solely the case of a refund earlier than you attain the retirement age. So which actual phrases do you need to meet with a view to get your a refund? There are three completely different authorized situations for the reimbursement of pension insurance coverage contributions:
Currently you aren’t insured and you do not have to be insured within the German pension fund
You do not at the moment have the likelihood to be voluntarily insured within the German pension fund
The final time you have been insured within the German pension fund is at the very least 24 calendar months in the past
The second level is probably the most cumbersome one to reply. It depends upon your nationality, your present everlasting residence, and the time you paid for the German pension fund. Citizens of an U-country as like as individuals dwelling in an EU-country can all the time be voluntarily insured, in the event that they paid at the very least for one month to it. The query whether or not you will be voluntarily insured or not cannot be typically answered, since Germany has with completely different nations completely different social safety agreements. In order to find out when you will be voluntarily insured, (which determines when you can declare your a refund or not), you’ve got first to reply following two questions:
Which group of nationality you belong to?
A. All nations of the European Union (besides Germany) and Norway, Iceland, Switzerland, Liechtenstein
B. Turkey
C. Serbia, Bosnia, Montenegro, Kosovo
D. USA, Australia, South Korea, Japan, Canada, Croatia
E. Israel
F. Morocco, Tunisia, Chile
G. The remaining nations (besides Germany)
How lengthy have you ever been insured in any nationwide pension fund of the EU?
1. Less than 60 months
2. More than or equal to 60 months
So if you’re citizen of Australia and you’ve got been insured in any pension fund of an EU nation, you belong to group D1. If you might be citizen of Thailand and you’ve got paid for 60 months (or extra), you belong to group G2 (since Thailand did not seem within the checklist above).
In following circumstances a pension refund is just not attainable: A2, D2
For the remaining teams I’ve listed all nations, wherein you will not get a refund in case your everlasting residence is there.
A1: EU, Iceland, Norway, Switzerland, Liechtenstein
B1/B2: EU
C1/C2: EU, Serbia, Bosnia, Montenegro, Kosovo
D1/D2: EU
E1/E2: EU, Iceland, Norway, Switzerland, Liechtenstein, Israel
F1: EU
G1/G2: EU
Moreover, being insured in one other EU nation pension fund is handled coequal to being insured within the German pension fund, which has implications for the ready interval of 24 months talked about above.
Anyway, how a lot are you able to count on to get refunded? If you’ve got been employed, you may get again all of your contributions to the German pension fund, however not the contributions your employer paid (which is the equal sum). If you’ve got been voluntarily insured, you’ll solely get half of your contributions again.
Finally one query stays: How do you apply for a refund? Well, you simply fill the shape V901 (it is in English), out there on the web site of the “Deutsche Rentenversicherung” and despatched it to them.
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