Waiting period (social security law)

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Waiting time is a term from German social security law , more precisely the term is used in statutory pension insurance .

definition

Waiting time is the technical term for the minimum insurance period. Because in order to be able to claim benefits from the statutory pension insurance, the insured must have been a part of it for a certain period of time. Depending on the type of pension, waiting periods of between five and 45 years apply to which different periods of pension law are taken into account. This may also apply to foreign insurance periods; The crediting is carried out here according to supranational and international regulations.

Different minimum insurance periods

Contribution times, substitute times and additional months of waiting are taken into account (see below).
  • A waiting period of 15 years was required for:
    • the old-age pension due to unemployment or after partial retirement (only for those born up to 1951) and
    • the old-age pension for women (only for those born before 1951).
Contribution times, substitute times and additional waiting months are taken into account here.
  • The waiting period of 20 years is a prerequisite for the pension for full disability for insured persons who have not completed the general waiting period before the onset of full disability, for example because they have been disabled since birth / childhood.
  • The waiting period of 25 years is required for:
    • the old-age pension for miners who have worked underground for many years and
    • the pension for miners aged 50 and over.
  • The waiting period of 35 years is required for:
    • the old-age pension for long-term insured persons and
    • the old-age pension for severely disabled people.
Contribution times, substitute times, crediting times, periods of consideration and additional months of waiting are taken into account.
  • The waiting period of 45 years is a prerequisite for the old-age pension for particularly long-term insured persons .

Creditable times

Are on the waiting times of five, 15 and 20 years of contribution periods ( compulsory contribution periods for. Example in employment , respect of Compensation Benefits ) and substitute periods (eg. As a political prisoner in East Germany) and times from the pension adjustment (so-called. Additional waiting time months of a Surcharge / bonus). Even child-raising periods and periods of voluntary contribution payments are among the contribution periods.

If the waiting time 35, still additionally be accounted periods , taking into account times or supplementary period taken into account (in disability pensions is the allocation time is the time from the entry of invalidity until the age of 62 years). Credit periods are non-contributory periods, e.g. B. Periods of schooling after the age of 17 as well as periods of pregnancy and maternity leave without contributions. As consideration times are z. B. Periods of raising children up to the age of 10 are recognized.

Compulsory contribution periods for an insured employment or activity, periods taken into account, compulsory contribution periods or credit periods for the receipt of compensation benefits from employment promotion are offset against the waiting period of 45 years (except for the last two years before the start of retirement, unless the receipt of compensation benefits from employment promotion is through a Insolvency or complete discontinuation of the employer's business), compulsory contribution periods or credit periods for the receipt of sickness benefits and transition allowance, periods with voluntary contributions, if there are at least 18 years with compulsory contributions for an insured employment or activity; periods of voluntary payment of contributions in the last two years before the start of retirement are not taken into account if there are also credit periods due to unemployment, substitute periods. "Bonus months" from a pension adjustment do not count.

Statutory pensioners can obtain information from their relevant pension provider as to whether they meet certain waiting times.

See also

→ old-age pension
→ retirement age
→ early completion of the waiting period

Web links

Individual evidence

  1. ↑ a b c d e § 50 SGB VI on juris BMJ
  2. ↑ § 243b SGB VI on juris BMJ
  3. ^ Agency of the German Pension Insurance