Overall performance evaluation
The overall performance evaluation or the overall performance model is a term used by the statutory pension insurance in Germany and influences the amount of pension payments. The purpose of the overall performance assessment is not to limit pension entitlements to full contribution periods, but also to appropriately record non-contributory and reduced- contribution periods . The model was introduced in 1992 and replaced the old method of averaging, which only took into account the periods covered by contribution periods. What is also new about this principle is that it is not only the premium amount that matters, but also the premium density , since periods without insurance now reduce the average.
Calculation method
The assessment of non-contributory and reduced-contribution periods is recorded using the overall performance evaluation procedure . These are all the spare time , income periods , credited periods and consideration periods . These times are analyzed in advance after the basic assessment. A comparative evaluation is then used to ensure that periods of reduced contribution are valued at least as if they were non-contribution periods.
Basic assessment
The basic evaluation is as follows: The non-contributory periods are evaluated using the average of the sum of the earned earnings points . Without averaging, the earnings points would only result from real contribution periods, which would be divided by the number of calendar months that can be occupied (calculated from the age of 17 to the occurrence of the insured event, regularly the retirement age). In the case of averaging, on the other hand, the average results from the quotient of the sum of all earnings points (from full- value or reduced contribution periods as well as periods of consideration) in the numerator (insofar as unchanged) and the calendar months of the total insurance period that can be occupied, minus, however, the contribution-free periods. The non-contributory periods are deducted from the insurance period that can be covered, which leads to an assessment of the crediting and crediting times, even though there is actually a gap in insurance law that characterizes the insurance history.
The result represents the total individual performance value. The individual total performance value represents the basic value for the evaluation of non-contributory periods. The overall performance value was historically based on different rates. Up to and including 2004, school training periods were rated as credit periods from the age of 17 for a maximum of 3 years and only 75%. Pregnancy and motherhood, on the other hand, are estimated at 100%.
Comparative evaluation
In addition to the basic evaluation , a comparative evaluation is made for the reasons mentioned above , provided there are reduced contribution periods. Since the factuality of reduced contribution periods results in a lower number of earnings points, a further correction may be required. When calculating the comparison, calendar months are subtracted from the number of calendar months of the total occupancy period: for reduced contribution periods, for periods of consideration that are also non-contributory periods and for periods of contributions or periods of consideration in which a pension was drawn from one's own insurance.
If this comparative calculation leads to a higher individual total performance value, this higher value is used for the assessment for the non-contributory and reduced-contribution periods. This ultimately ensures that low earnings points in the “seam months” do not have a negative effect on the evaluation of the non-contributory periods.
Others
Not only non-contributory and reduced-contribution periods are assessed in terms of pension law (overall performance assessment), but also certain mandatory contribution periods for which no contributions are paid. This includes child-rearing time , for example .
Two calculation examples for non-contributory periods
Total performance value without underwriting gaps
Occupancy period (i.e. the period from the 17th birthday to the occurrence of the insured event / start of pension): 40 years
Contribution period: 35 years
Earning points for contribution period: 35 EP
Non-contribution period (e.g. additional period): 5 years
The calculation is as follows: 35 EP divided by (40 - 5 years) 35 years = 1 EP / year. Since the average of the contribution periods is 1 EP per year, 1 EP per year is also calculated for the contribution-free periods → a total of 40 EP
Total performance value with underwriting gaps
Occupancy period: 40 years
contribution period: 30 years
Earning points for contribution period: 30 EP
Gaps: 5 years
contribution-free period (e.g. credit period): 5 years
The calculation here is as follows: 30 EP divided by (40 - 5 years) 35 years = 0.857 EP / year. Since the average of the contribution periods is only 0.857 EP per year, 0.857 EP per year are also calculated for the contribution-free periods. H. 4.285 EP → a total of 34.285 EP for the contribution-free period of 5 years.
literature
- Federal Insurance Agency for Salaried Employees (Ed.): Overall performance assessment for non-contributory periods , 5th edition, publication: Berlin-Wilmersdorf: BfA, 1995. (Holdings: University Library Würzburg (Sigel: 20); Bayerische Staatsbibliothek München (Sigel: 12)).
- Helge Loytved : Impact of contributions in an additional time : is the overall performance assessment when a "additional time credit period" meets compulsory contributions constitutionally questionable? . In: The employee insurance: Journal of the Federal Insurance Agency for employees: official publication gazette. - Berlin: Federal Insurance Agency. , Vol. 45 (1998), 4, pp. 132-136, ISSN 0003-312X .
Individual evidence
- ↑ Statutory pension insurance as part of old-age provision: Basics and practice
- ↑ a b c overall performance evaluation
