Grundrente, Vorsorgepflicht and Co .: The new pension plans of GroKo

Monday, the 15.01.18 , written by Annabell Meyer After long talks, the representatives of the SPD and the Union have agreed on important cornerstones for the negotiations on the Grand Coalition. One of the central themes is the pension. Here are the possible government partners some improvements. Mothers and low-paid workers should be relieved in future, self-employed should be compulsorily  

SPD und Union wollen über Veränderungen bei der Rente verhandeln

With the Grand Coalition, the pension could change a lot

  • As part of their exploratory talks, the SPD and CDU / CSU were able to agree on some improvements in terms of pensions.
  • But the planned innovations do not benefit all citizens.
  • For many people it therefore remains important to find out about various options for private provision.

The SPD and the Union have successfully completed their exploratory talks for a possible grand coalition. As a basis for the possibly forthcoming coalition negotiations, the representatives of the parties, in addition to some changes in the topics of work and family, have determined important innovations, especially in the area of ​​pensions. In the future , many citizens will be better protected in old age . But what exactly changes with a future GroKo in the pension?

Update 2 February 2018: In the context of the coalition negotiations, the parties have agreed on a pension package. This follows the negotiated agreements from the exploratory talks.

48 percent by 2025: Coalition partners plan stable pension level

Probably the most important agreement of the exploratory partners of SPD and CDU / CSU concerns the pension level. It is expected to remain stable at 48 percent by 2025 , having fallen steadily since the turn of the millennium. In 2017, the value was about 47.9 percent, for 2018, however, the German pension insurance from about 48.2 percent. The Grand Coalition wants to keep this level constant over the next eight years.

For this she wants to change the so-called sustainability factor from the pension formula. This says that the pension level decreases when the number of pensioners in the year increases more than the number of employees. Thanks to the good number of employees, the regulation has recently had a positive effect on pensions. In the future, these should remain stable regardless of wage developments.

In addition, the pension contribution, which currently stands at 18.6 percent, should not amount to more than 20.0 percent by 2020.


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Despite planned improvements: Many pensioners get too little money

A stable level of pensions, however, brings no benefits for many workers. For many people interrupt their professional life, for example, in favor of the family, so they do not pay consistently into the pension fund . In addition, many workers receive only a small salary.

The upholstery of their pension contributions is therefore correspondingly small. For them, it is therefore important not only to rely on the statutory pension, but to seek timely advice on the various options for private provision in order to be financially secure in old age.

What does the pension level mean?

The pension level reflects the ratio of standard pension to the average income. An employee who has worked for 45 years in his working life for an average income should therefore receive an average of 1,263 euros net before taxes (as of 2018) as a retirement benefit.

Support for low earners: Solidarrente will probably get a new chance

In the exploratory talks, the potential coalition partners were also able to agree on a plan for the so-called Solidarrente. This should financially support low earners, who are dependent on the basic security in old age due to low pension payments.

People who have paid into the pension fund for at least 35 years are to receive a basic supplement to their statutory pension , which is ten percent above the regional basic security level. The times for parenting or the care of a relative are also counted.

The concept for Solidarrente comes from the former Labor Minister Andrea Nahles (SPD) and was already close to the end. It could still be implemented with the new Grand Coalition. How the project of the coalition partners should be financed is not yet clear.

Extension of the maternity pension: women are credited with the third baby year

With the new grand coalition could also do something with regard to the mother’s pension. With her, mothers have been credited with two years of education for each child on their retirement account, if the offspring was born before 1992. In the future, a third year will be counted towards the pension, but only for mothers with at least three children born before 1992.

Similar to the Solidarrente SPD and Union have not specified who should pay the planned extension of the maternity pension . According to the German pension insurance, this project would cost around seven billion euros. However, the parties are confident that the new maternity pension will not be funded exclusively by the pension fund.

Compulsory insurance for self-employed should provide better coverage

Finally, the new pension package provides for compulsory insurance for the self-employed. In the future , people who are self-employed will automatically be compulsorily insured under the statutory pension insurance if they can not prove any other form of protection. If self-employed persons opt for a private insurance, they can make use of the opt-out rule and leave the statutory pension insurance.

According to the German Institute for Economic Research, around twelve percent of all self-employed had insufficient insurance for old age in 2016, as they do not make any provision either legally or privately. With the help of compulsory insurance, they should be better financially secure in the future.


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Annabell Meyer

editorial staff

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