But what if you don’t plan on living in Germany forever? After successful submission of above documents, you may expect a confirmation letter at your current address from DRB in 4 to 8 weeks. Current agreements exist between Germany and. If you’re not sticking around, don’t worry – your contributions are not lost! Students, who worked as trainees are not entitled to a pension refund. Pension benefits increased by 3,22% in 2018, 3,18% in 2019 and are expected to increase by a further 3,15% in 2020. - Keep in mind that even after this period, you cannot apply for your refund, if you have not left the EU (European Union), EEA (. Leaving Germany: Pensions abroad & claiming refunds. This could be confirmed by a German embassy or a local authority. Email this to us, and leave all the hard paperwork to the experts! Once you claim a German pension as a resident, you may be liable for compulsory Pensioner Health Insurance (Krankenversicherung der Rentner – KVdR) along with Long-term Care Insurance (Pflegeversicherung der Rentner – PVdR) to cover costs of healthcare in Germany. If you find the prospect of applying for your German Pension Refund to be daunting, Taxback.com can help you. e.g. So you cannot make a refund claim as long as you are in EU/EEA/CH. The Deutsche Rentenversicherung and the German Social Code distinguish between different groups of Expats, related to your nationality: This group consists of nationals of the European Union member states (EU), nationals of the European Economic Area (EEA), and nationals of Switzerland. If you are a US or other non-EU citizen and have worked in Germany for less than five years, you can claim back your German state pension contributions. Many believe that it is impossible to get a German pension refund … If you worked in Germany (European and non-European nationals) you might be eligible for a refund of your pension contributions if 24 months have passed after you left the country. You will need to complete a. and send us cоpies of your final payment document, passport/ ID card, and current bank account statement. Completed waiting period of 24 months after last contribution to German pension system (It is NOT waiting from date of leaving from Germany). You will find all information to find out if you qualify for a refund regarding your nationality. How to move to other EU nations with Daueraufenthalt-EU? Just don’t forget to chase your claim up with the German Pension Insurance Fund – they cannot be relied upon to be active in tracking you down. If a US national is currently living in the EU they can’t claim pension refund now, they must first return to the US. However, you must wait two years after you leave Germany before claiming. Our agents will keep you updated throughout the process and communicate directly with the German pension office on your behalf. The requirements become more complex, the more supranational and intergovernmental regulations take part. If you are not in group 1 or 2, then you are considered a national of a non-contracting state. Can I get a refund leaving Germany after more than 5 years? First and foremost, you should find out if you are eligible for a refund, depending on your nationality. Your email address will not be published. It’s here that you will find the deduction item “social security contributions” (Sozialversicherungsbeiträge). To qualify for a refund, you must not reside within the EU, your home country or any other contracting state. For expats from non-EU countries, there is another option: you can apply to have the contributions you paid into your pension account reimbursed by the German Pension Insurance Fund. Copy of Abmeldung (Final De-registration), if any. Non-EU citizens should also take care that working in other EU nations can also count towards 5 years period in Germany. Nearly 10% within two years is certainly not something to turn your nose up at! The most frequent situation we come across for the purposes of getting German pension contributions refunded is the following: – You have worked in Germany as a regular employee for less than 60 months. See if you're entitled to a German pension refund. Most German expat pension contributions remain unclaimed for different reasons. Months where you claimed unemployment benefits also counts towards 5 years. Various non-EU citizens can claim their German pension contributions back if they have paid contributions in Germany for less than 5 years (60 monthly contributions). The employer also matches the employee’s contribution and the whole sum is transferred to the employee’s personal pension account. Cookie information is stored in your browser and performs functions such as recognising you when you return to our website and helping our team to understand which sections of the website you find most interesting and useful. In your case, the Deutsche Rentenversicherung makes a difference between contributions made for less than 60 months and contributions made for 60 months or longer (= eligibility to receive old age benefits in the future). - Easy and convenient process without complicated forms, - Live Chat support 24/7 with tax experts. Fulfilling both requirements though, is not enough to qualify for a refund – a mandatory waiting period of, 24 months must have passed since your last contribution was paid to the “Deutsche Rentenversicherung”, Nationality, Residency, and Contribution Time. The claim can only be made two years after leaving Europe (EU/EEA/CH). What should I do if I don’t have Lohnsteuerbescheinigung? Save my name, email, and website in this browser for the next time I comment. Employee worked till March 2014 and pension contribution was upto March 2014, then refund is possible from April 2016 onwards. Categories. You may be wondering what happens to the money you paid after you leave Germany. - Only people from countries NOT in the EU/EEA can apply for pension refunds- Nationality and residency are important. And, if you have already left Germany, can you claim your pension contributions back? It is then possible to draw an old-age pension. It is our professional mission to protect your money and to help you get a complete refund of your contributions. Your approximate Pension refund should be the sum of Arbeitnehmer-anteil (Row 23, yearly Lohnsteurbescheingung) for each year of your contribution. It’s important to be aware that, while you can apply in any language, Deutsche Rentenversicherung replies only in formal German. – You leave the country and stay outside the EU for more than 24 months. If you disable this cookie, we will not be able to save your preferences. Another alternative to claiming back is to simply wait until you are 67 years old and then have a pension paid out by the German state. Different rules apply depending where you currently reside and if you have contributed for more or less than 60 months. If you are employed in Germany, you are automatically required to set aside money for your retirement. The more details are here. Over time, these contributions build up. If you are not sure whether you have made contributions to a German pension – or how much you have contributed – you can check with the German Pension Insurance Fund to find out. If you are a European or a Non-European national, you can reclaim your German pension contributions after leaving the country, eligibility provided. This website uses cookies to provide you with the best browsing experience. Your entitlement to a refund of contributions depends on the type of pension arrangement you have and the rules attaching to refunds of contributions. Family Reunion visa (Spouse Visa)- How to Apply ? You cannot claim your refund, if you are either not subject to compulsory insurance or not entitled to voluntary insurance! eazyleben; 03/02/2020; 0; Search. The claim can only be made 2 years after leaving Europe (EU/EEA/CH). Germany Germany's pension system tricky for foreigners. Germany has also concluded social security agreements with numerous countries (contracting-states). When it arrives, most of us simply glance at the net wage, the amount that ends up in our bank account. 1 SGB VI grants you the right to reimbursement of your pension contributions if you are not subject to compulsory insurance and have no right to voluntary insurance. But what if you don’t plan on living in Germany forever? On a different note, despite what you might have heard or read before, your nationality and the period of time you paid contributions do not disqualify, If your home country has signed a social agreement with Germany that covers refunds, and you do not belong to the first group, then you are considered a national of a contracting state. You can get applications for refunds in English (and other languages) from the German Embassy/Consulate in your home country. Who can claim pension refunds when leaving Germany? If you leave Germany … a) … and you reside outside the European Union, European Economic Area and Switzerland, you might qualify for a refund of your contributions according to the exceptions outlined in Article 210 in the 6th book of social law  (§ 210 Sozialgesetzbuch Sechstes Buch (SGB VI)). Furthermore, they are usually not paying any pension insurance in Germany. Taxback.com takes the stress out of applying for your German Pension refund. We are experts on this topic and our experience goes back until 2007. On a different note, despite what you might have heard or read before, your nationality and the period of time you paid contributions do not disqualify you for a refund! But, don’t despair – you should have a nice sum waiting for you. . of what you will learn in more detail in this guide. If you disable this cookie, we will not be able to save your preferences. If you are employed in Germany, you are automatically required to set aside money for your retirement. You’ll no longer receive pension payments from Germany and if you ever return, you’ll have to start from scratch. Everyone who works as an employee in Germany waits eagerly every month for their pay slip. Furthermore, they are usually not paying any pension insurance in Germany. Cookie information is stored in your browser and performs functions such as recognising you when you return to our website and helping our team to understand which sections of the website you find most interesting and useful. We have Live Chat support and our tax experts are available 24/7. No refund, no fee- Easy and convenient process without complicated forms- Live Chat support 24/7 with tax experts, The average German pension insurance refund is €3032. We would recommend it over a safer side rather than DRB getting you back and requesting further for more document as it is time consuming. If you have worked in Germany, it’s likely you paid into a pension fund. (For USA and Canada, following additional forms are required: A1312- only for USA/CANADA, A9060- only for USA). However, this is subject to the fulfilment of the so-called “waiting period” of five years. Details here If you reside within the EU, you are given the right of voluntary contributions, but that ends outside the EU: If you reside outside the EU, and 24 months after your last contribution in Germany have passed, you are eligible for a refund.

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