Child rearing and pension insurance
Times of child rearing are taken into account in the statutory pension insurance as
- Consideration times due to child rearing
- Surcharges for raising children with widow’s or widower’s pensions.
If at least 25 years of retirement law have been completed, the times of child rearing may also be upgraded.
Child-rearing periods are the times of raising a child
- in the first three years of life of a child with births from 01.01.1992 or.
- the first year of a child’s birth if born before 01/01/1992.
Child-rearing periods are contribution periods for which contributions are considered paid. The period of upbringing is taken into account by the parent who raised the child. It is only credited to one parent. If the parents brought up the child together, they can use a corresponding declaration to determine who the child-rearing period should count towards.
The registration authorities report the birth of each child to the mother’s pension insurance institution. If no other declaration is made by the parents, the times will count towards the mother. If the child’s upbringing times are to be transferred to the father, the corresponding declaration must be submitted to the pension insurance institution immediately. A transfer is only possible retrospectively for a maximum of two months.
For adoptive or foster children, times of child rearing can also be taken into account from the time of adoption or admission to the household.
However, it is not possible to count them for parents who are already covered by other means (e.g. civil servants).
In the event of benefits, the times of child rearing are assessed with the average earnings of all workers. In other words, for a year of child-rearing, you are placed as if you had earned EUR 30,084.
Periods of upbringing beyond the child-rearing period up to the 10th birthday of a child are so-called consideration times.
In order for the times of child rearing to be credited to the insurance account, a corresponding application to the pension insurance institution is required.
The period from birth to the 10th birthday of the child counts as consideration time for bringing up children.
If several children under the age of 10 are brought up at the same time, the consideration period ends 10 years after the birth of the youngest child.
Basically, the times of the birth mother are assigned. If the father wants the times to be credited to his account, the parents must apply for the transfer of the time together with the pension insurance provider. A retroactive transmission is only possible for a maximum of two calendar months.
The consideration times alone do not justify a pension entitlement, nor do they directly increase the pension. In cooperation with other regulations, however, they have a positive impact, e.g. B.
- they can continue to be entitled to a pension due to disability or disability,
- they are counted towards the waiting period of 35 years (for certain pensions),
- they can have a pension-increasing effect when evaluating the non-contributory periods (replacement times, crediting times and additional time).
Special provisions apply to the self-employed.
Surcharge for raising children
The information on this page does not apply to married couples who married before 01/01/2002 and the older partner was at least 40 years old on that day. For this group of persons, the surviving dependents’ law applicable until 31.12.2001 is to be applied. The relevant period for bringing up children is the time from the month after the birth of the child to the month in which it has reached the age of 3. To determine this period, reference is made to the retention times for child rearing stored in the widow’s or widower’s insurance account. For each month in which the child was brought up, 0.1010 earnings points are credited for the first child and 0.0505 earnings points for each additional child. If the widow or widower raised the child during the entire period, the result is
- for the first child 36 months x 0.1010 earnings points = 3.6360 earnings points and
- for each additional child 36 months x 0.0505 earnings points = 1.8180 earnings points.
The earnings points determined in this way are to be reproduced with the pension type factor valid for the pension. It is 0.55 for a large widow’s or widower’s pension. The surcharge on earnings points for such a pension is therefore
- for the first child a maximum of 3.6360 x 0.55 = 1.9998 earnings points – this corresponds to a surcharge of EUR 52.53 in the old and EUR 46.18 in the new federal states and when retiring from July 1st, 2007
- for each additional child a maximum of 1.8180 x 0.55 = 0.9999 earnings points. If the pension begins on July 1, 2007, this results in a pension increase of EUR 26.27 in the old and EUR 23.09 in the new federal states.
The doubling of the child supplement for the first child ensures that even a widow with an average widow’s pension who has brought up only one child receives no less than the law applicable until December 31, 2001.
The surcharge is not granted in the first three calendar months after the insured’s death. During this time, the widow’s or widower’s pension is already paid in the amount of a full insured person’s pension. If a supplement were added here, the widow’s or widower’s pension would be higher than the pension that the insured person would have received during his lifetime. For this reason, the supplement is only granted from the point at which the pension of 55% of an insured person’s pension is paid.
If the insured person died before the child’s 3rd birthday or if the child was born only after the insured person’s death, special considerations must be taken into account when calculating the surcharge.
Revaluation of child-rearing times
Compulsory contributions that are due to child-rearing periods after 1991 are upgraded by an additional credit, provided that the earnings achieved are below average. The credit amounts to half of the earned earnings, but at most to the value still missing at 100% of the average salary.
Example: Remuneration in 2002: 23542.40 EUR credit of 50%: 11771.20 EUR maximum credit 29488.00 – 23542.40 = 5945.60 EUR
Since the child-rearing period (for births from 1992 = 3 years) itself is already valued with the average wage, the revaluation is usually only considered for the period after the child’s 3rd year.
There is also a credit for compulsory contribution periods in which a child in need of care was "not cared for on the job" until the age of 18. This applies to the period from 01/01/1992 to 03/31/1995 the time taken into account due to nursing care with compulsory contributions available at the same time (this also includes voluntary contributions paid at the time, which were recognized as compulsory contributions upon application). Since 1.4.1995 there has generally been compulsory insurance for carers. Since even in the highest care level with the greatest expenditure of time, the contributions paid by the long-term care insurance funds to the pension insurance are below average, there is an improvement in all cases.
Anyone who was not gainfully employed and raised or looked after several children at the same time will receive a credit equal to one third of the average salary.
The credit presupposes that there are at least 25 years with pension law periods.
Guide to the Week Pension Insurance: What Children Bring for Retirement A job break until the child’s third birthday usually does little damage to the…
Mandatory contribution times due to child rearing Mandatory contribution times for raising children Child-rearing periods, as periods under pension law,…
Child health insurance Children’s health insurance: What you should definitely pay attention to? Your offspring has arrived? Congratulations!! We cannot…
Child insurance as a single child insurance in a private health insurance Private child health insurance – save without family insurance! Classic family…