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Source: BUS Sachsen-Anhalt (Linie6PLus)

Apply for a disability pension

Description

The disability pension supports you if you are no longer able to work for health reasons and have not yet reached the regular retirement age. To a certain extent, it replaces your income.

Before you can receive the disability pension, the German Pension Insurance checks whether a rehab can help you to make a living again. These include medical and vocational rehabilitation, for example, further training for professional reorientation or work aids.

The German Pension Insurance determines the extent to which you can still work on the general labour market. Depending on the subject, you will receive either

  • a full disability pension, or
  • a pension for partial disability.

If you are partially disabled from a medical point of view and you are unemployed because a part-time job that is not suitable for performance is not available, you can also receive a pension due to full disability.

Even as a disabled person, you can receive the disability pension. This applies, for example, if you work in a special institution for the disabled and are unable to work on the general labour market due to your disability.

The extent of your disability pension depends on your pension account with the German Pension Insurance. Your annual pension information states what you can expect in the event of full disability. If you are only partially disabled, half of it is used as a basis.

For younger people, it is not only the few previous years of work that count. Rather, there is the so-called accrual period. It is the time between the onset of disability and a certain, legally determined age. The accrual period will make you feel as if you had paid contributions up to that age.

If your pension starts before the relevant age limit for you, you must accept deductions. For each month you retire earlier, the discount is 0.3 percent, but a maximum of 10.8 percent overall.

If you receive a disability pension, you can earn extra income to a certain extent with a part-time job.

  • In case of full disability, you may only work less than 3 hours a day. If you earn more than EUR 6,300 gross per year, your pension will no longer be paid in full or possibly no longer at all.
  • In the case of partial disability, you may only work less than 6 hours a day. How much you are allowed to earn will be calculated individually.

Applying for a disability pension does not mean that you will never be allowed to work again. It is often possible to recover from serious health setbacks through targeted treatment and promotion. Your disability pension is usually granted for a limited period, for a maximum of 3 years. You will only receive an unlimited pension in some exceptions.

Note: If you were born before 2 January 1961, you may be able to receive the "partial disability pension in the event of occupational disability". This pension takes into account whether you can continue to pursue your previous profession.

If you are unable to work due to illness or disability, you may in many cases receive a disability pension.

You can apply for the disability pension in writing, in person or via online procedure.

Tip: Before you submit your application, you can seek advice from the German Pension Insurance.

Written pension application:

  • Download the form package for the pension due to reduced earning capacity on the website of the German Pension Insurance. Complete the application for an insured pension and the forms mentioned therein and compile the required documents.
  • You can either submit your completed and signed application with the necessary documents.
    • send by post to the German Pension Insurance or
    • in one of the local counselling centres.
  • When your pension application has been received, you will receive a confirmation of receipt.
  • The German Pension Insurance checks your application for completeness and requests missing documents if necessary.
  • The German Pension Insurance checks the requirements for your pension entitlement and the insurance history for completeness. If necessary, it clarifies gaps in the insurance history.
  • The German Pension Insurance checks your disability on the basis of your information and submitted documents. If necessary for the assessment, further medical documents are requested, such as reports of findings or expert opinions.
  • The German Pension Insurance clarifies further facts, for example your health insurance relationship, whether you earn additional income or receive another pension.
  • If you are entitled to the disability pension, you will receive a pension notice with information on the start, the start of the current payment and the amount. Furthermore, you will be informed about your rights and obligations.
  • If you are not entitled to the disability pension, you will receive a rejection notice with the reason for the rejection.

Pension application via online procedure:

  • Go to the online portal of the German Pension Insurance and register. You can use your signature card, your identity card with electronic proof of identity or your electronic residence title.
  • Fill out the application and upload the necessary documents. Then send your pension application online.
  • When your pension application has been received, you will receive a confirmation of receipt.
  • The German Pension Insurance checks your application for completeness and requests missing documents if necessary.
  • The German Pension Insurance checks the requirements for your pension entitlement and the insurance history for completeness. If necessary, it clarifies gaps in the insurance history.
  • The German Pension Insurance checks your disability on the basis of your information and submitted documents. If necessary for the assessment, further medical documents are requested (e.g. reports of findings or expert opinions).
  • The German Pension Insurance clarifies further facts, for example your health insurance relationship, whether you earn additional income or receive another pension.
  • If you are entitled to the disability pension, you will receive a pension notice with information on the start, the start of the current payment and the amount. Furthermore, you will be informed about your rights and obligations.
  • If you are not entitled to the disability pension, you will receive a rejection notice with the reason for the rejection.

Personal request in the consultation:

  • Compile the required documents for the application and make an appointment in an information and advice centre of the German Pension Insurance.
  • In the consultation, your application for a pension due to disability is usually recorded electronically and forwarded online.
  • When your pension application has been received, you will receive a confirmation of receipt.
  • The German Pension Insurance checks the application for completeness and requests missing documents if necessary.
  • The German Pension Insurance checks the requirements for your pension entitlement and your insurance history for completeness. If necessary, it clarifies gaps in the insurance history.
  • The German Pension Insurance checks your disability on the basis of your information and submitted documents. If necessary for the assessment, further medical documents are requested (e.g. reports of findings or expert opinions).
  • The German Pension Insurance clarifies further facts, for example your health insurance relationship, whether you earn additional income or receive an accident pension.
  • If you are entitled to a disability pension, you will receive a pension notice with information on the start, the start of the current payment and the amount. Furthermore, you will be informed about your rights and obligations.
  • If you are not entitled to the disability pension, you will receive a rejection notice with the reason for the rejection.

The pension application can also be submitted by a person you trust for you. Please submit a corresponding power of attorney to the German Pension Insurance. As long as the power of attorney is valid, it is addressed exclusively to your authorized person.

  • You can enter the general labour market due to illness or disability

    • work less than 3 hours a day (full disability) or
    • work at least 3 hours but less than 6 hours a day (partial disability)
    • Exception: If you are partially disabled from a medical point of view and are unemployed because there is no part-time job in line with performance, you may also receive a pension due to full disability.
  • You cannot improve your earning capacity again by

    • medical rehabilitation, or
    • vocational rehabilitation, for example retraining or work aids
  • They have not yet reached the standard age limit. This is the time from which you can draw the regular old-age pension.

  • You had at least 5 years of pension insurance (general waiting period)

  • In the last 5 years before your disability, you have paid into the pension insurance for at least 3 years.

  • Exception: If you have already fulfilled the 5-year waiting period before 1 January 1984, you may also be entitled to a pension without the 3-year compulsory contributions. The prerequisite is that in the period from 1 January 1984 until the onset of your disability, each calendar month is subject to so-called qualifying periods, for example by periods of voluntary contributions or, under certain conditions, periods of unemployment.

  • The general waiting period of 5 years includes:

    • contribution periods (compulsory and voluntary contributions),
    • replacement times,
    • child-rearing periods,
    • periods from pension equalisation and pension splitting among spouses,
    • periods of marginal employment with contributions paid by the employer, and
    • Supplements to pay points for wages from minor jobs exempt from compulsory insurance.
    • Under certain conditions, you can also meet the general waiting period of five years ahead of time, for example if you have become less able to work due to an accident at work).

Disability for people with disabilities

If you have not fulfilled the general waiting period of 5 years before the onset of disability, there is still the possibility to receive a pension due to full disability: You must then

  • meet the waiting period of 20 years, for example, 20 years have worked in a workshop for disabled people and
  • have remained continuously fully disabled.
  • valid identity card or passport

  • Evidence that is not included in the insurance history, for example:

    • Netting certificates
    • Proof of training periods
    • Evidence of unemployment
    • Evidence of sick leave
  • List of your health disorders

  • Names and addresses of your attending physicians

  • all information on medical examinations by public bodies such as health insurance, employment agency or professional association

  • information on your hospital and rehabilitation stays in recent years and

  • a chronological list of your professional activities

  • If another person makes the request:

    • power of attorney or
    • Order of the Court of First Instance

Permanent pensions:

  • If you apply for a pension in the first 3 months after the onset of disability, your pension starts from the first day of the month following the onset of your disability. If you submit your application later, the pension will only be paid from the beginning of the application month.

Fixed-term pensions:

  • As a rule, a temporary pension begins at the earliest with the seventh calendar month after the onset of disability. It is sufficient if you apply for the pension by the end of this seventh calendar month. If you submit your application later, the pension will only be paid from the beginning of the application month.
  • If the determination of full disability leads to the end of your entitlement to unemployment benefit, sickness benefit or daily sickness benefit, your pension for full disability may begin before the seventh calendar month after the onset of disability.

usually about 4-5 months

The text was automatically translated based on the German content.

Federal Ministry of Labour and Social Affairs

No authority found