Standard pension

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The standard pension (often also called corner pension ) is - according to ( Section 154, Paragraph 3, Clause 1, No. 2 SGB ​​VI ) - a regular old-age pension with exactly 45 earnings points . It is a calculation variable used in pension law. It is used to calculate the standard pension level and the sustainability factor.

Standard pension amount

Amount of available 1) standard pensions since 1990
Deadline Standard pension Standard pension (east)
06/30/1990 826.24 euros 240.31–307.80 euros 2)
07/01/1990 852.33 euros 343.59 euros
01/01/1991 852.33 euros 395.23 euros
07/01/1991 895.25 euros 454.54 euros
01/01/1992 895.25 euros 507.60 euros
07/01/1992 919.54 euros 572.51 euros
01/01/1993 919.54 euros 607.41 euros
07/01/1993 955.05 euros 693.91 euros
01/01/1994 955.05 euros 719.15 euros
07/01/1994 987.46 euros 741.97 euros
01/01/1995 982.17 euros 758.55 euros
07/01/1995 988.15 euros 778.21 euros
01/01/1996 988.15 euros 812.27 euros
07/01/1996 992.72 euros 816.82 euros
07/01/1997 1,009.10 euros 859.36 euros
07/01/1998 1,012.47 euros 866.06 euros
07/01/1999 1,026.62 euros 890.22 euros
07/01/2000 1,032.79 euros 896.00 euros
07/01/2001 1,051.99 euros 915.86 euros
07/01/2002 1,072.35 euros 941.32 euros
07/01/2003 1,081.79 euros 950.97 euros
07/01/2004 1,071.79 euros 944.24 euros
07/01/2005 1,063.41 euros 936.87 euros
07/01/2006 1,066.35 euros 939.46 euros
07/01/2007 1,067.80 euros 940.37 euros
07/01/2008 1,077.02 euros 948.56 euros
07/01/2009 1,100.84 euros 976.59 euros
07/01/2010 1,102.67 euros 978.22 euros
07/01/2011 1,109.91 euros 984.65 euros
07/01/2012 1,134.15 euros 1,006.88 euros
07/01/2013 1,135.71 euros 1,038.85 euros
07/01/2014 1,154.68 euros 1,065.08 euros
07/01/2015 1,174.96 euros 1,088.07 euros
07/01/2016 1,222.09 euros 1,150.26 euros
07/01/2017 1,242.58 euros 1,188.92 euros
07/01/2018 1,284.06 euros 1,230.34 euros 3)
Note: The DM amounts determined were
converted into euros at the officially established exchange rate of 1 euro = 1.95583 DM.
1) after deducting the average personal contribution of the pensioners
to the KVdR and PVdR
2) Depending on the year of entry (1970: 470 marks, 1990: 602 marks).
3) Calculations for 2018

According to the pension formula , the amount of a pension is calculated as follows:

monthly pension = earnings points * access factor * pension type factor * current pension value ( EZRA )

The following applies to a standard pension:

  • the access factor is 1.0 (since it is defined as a regular old-age pension)
  • the number of earnings points is 45 (so determined)
  • the pension type factor is 1.0 (since it is defined as the regular old-age pension)
  • the current pension value is 32.03 euros (since July 1, 2018; east: 30.69)

Inserted into the pension formula results in (2018):

Standard pension = 1.0 * 45 earnings points * 1.0 * 32.03 = 1,441.35 euros

Since July 1, 2018, the amount of a standard pension has been 1,441.35 euros (gross). In the first half of 2018, the standard pension was € 1,396.35 (gross). In accordance with Section 68 (1) SGB VI, the current pension value is adjusted on July 1 of each year using the pension adjustment formula . In 2018, it rose by 3.22 percent from 31.03 to 32.03 euros. This increased the basic pension from 1,396.35 euros to 1,441.35 euros.

For the new federal states, the current pension value (east) applies in accordance with Section 255a SGB ​​VI , which is currently (since July 1, 2018) at 30.96 euros. The other values ​​in the pension formula are identical to the example above (for West Germany). The standard pension in the accession area (new federal states) is currently 1,381.05 euros (gross). Up to July 1, 2018, the current pension value (east) was 29.69 euros and the standard pension (east) was 1,336.05 euros.

The annual standard pension for an entire calendar year (instead of a reference date) is determined by adding six times the standard pension up to June 30 of a year and six times the standard pension from July 1 of the same year. This value is required to calculate the standard pension level and the sustainability factor. The average annual standard pension for 2018 was EUR 17,026.20 per year. The available standard pension after average social security contributions of pensioners without deduction of taxes amounted to: 15,168.22 euros in 2018 (the surcharge for childless care insurance of 0.25 percentage points is a quarter).

Corner pensioners

The term corner pensioner is often used to illustrate the standard pension . Eckrentner is a person with an assumed exemplary employment history. The corner pensioner draws a regular old- age pension and has previously paid contributions to the statutory pension insurance for 45 years in the amount of the contribution for an average wage. His insured income therefore always corresponded to the average salary. The standard pension (also known as the corner pension ) is the old-age pension to which the corner pensioner is entitled based on his contribution.

What the standard pension / corner pensioner is not

  • This corner pensioner is not the "average pensioner". The average pensions differ significantly from the basic pension for a variety of reasons (school, university, raising children, unemployment, above-average income, etc.). The majority draw a significantly lower pension than the standard pension. The average retirement pension amount paid out after deduction of health and long-term care insurance as of December 31, 2016, was 848 euros per month.
  • The standard pension should not be understood to mean that a person has to work exactly 45 years to receive this pension. If the salary is above average, the 45 earnings points are achieved in less than 45 years - if the salary is lower, only in more years of work. In addition, earnings points are not only credited for gainful employment, but also, for example, for periods of raising children, receiving sick pay or periods of unemployment. The only decisive factor for the standard pension is that it is based on 45 earnings points.

See also

Web links

Individual evidence

  1. ↑ Source: Parameters and rated values ​​( save file in .xls format) , worksheet "Std. Und Eckrenten (2)", Berlin 2017, accessed on September 1, 2018.
  2. ↑ Info on pension adjustment 2018 from Johannes Steffen, portal-sozialpolitik.de, accessed on September 1, 2018.
  3. ↑ https://www.deutsche-rentenversicherung.de/Allgemein/de/Inhalt/6_Wir_ueber_uns/03_ffekten_und_zahlen/03_statistiken/02_statistikpublikationen/19_eckzahlen_2017_deutsch.pdf?__blob=publicationFile&v=27