location: I am only 37 years young, but I am interested in since long for the "pension". Unfortunately, the current issues relating to pension have become currently in the society are diverse and opaque.

question: I currently have a pension information from around 1850€. When I retire, will be taxed the pensions to 100%. With what value you will be taxed then? What would come about to the net pension in the year 2045 out? As I earn relatively good and regular wage increase get, I'm going to have in the short term are to 2000€ for the pension information. I also get a since 2 years, from employer-funded direct insurance with monthly 404€ Deposit. Guaranteed payout according to the insurer, 398€. I would like to know what stands out to me about the retirement net pension available.

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reply from Gernot Arendt, managing Director of the Institute for retirement planning, Munich: PR Gernot Arendt be made A precise statement with specific Numbers, only by means of a qualified retirement planning. Approximately you should take the following into account: Provided that – in accordance with currently applicable tax rules, your annual pension 2045 excess of the basic allowance of € 9,000 for Single persons or € 18,000 for a Married couple is, for pensions, including occupational pension schemes, taxes, in accordance with your then current tax rate.

This includes contributions to health and nursing care insurance for all insured during the retirement phase statutory sick. 2019 fraud in the statutory pension from the General contribution rate to the health insurance 14.6 percent. This contribution rate applies to compulsory and voluntary retirees insured. Add to this a cash individual additional contribution rate. You pay half of the two contribution rates (7.3 percent and 0.35 percent). The Deutsche Rentenversicherung pays the other half, i.e. 7.65%. Add to this the contribution for nursing care insurance, in the amount of 3.05 percent, respectively, for Children to 3.30 percent. New Service to FOCUS Online

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the Full rate of contribution for the care insurance

For your company direct insurance in statutory health insured persons of the full contribution rate of the statutory health insurance scheme are collected. These contribution so you need to – other than the legal pension – fully self-supporting. Currently, the average of 15.6 percent. Also in the case of the care insurance of the full contribution rate is levied. Operation of pensioner with a child must pay, therefore, to 3.05 percent (from 2019) for the statutory nursing care insurance. In the case of a pension of 200 euros, are again 6,10 Euro for a total of 37 euros.

If you have private health insurance, calculated the Private health insurance contributions regardless of income. Therefore, it has no influence on the contribution, whether and which additional income of the Insured. You will therefore receive the full amount of your pension and will only have to pay the usual taxes on it.

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Date Of Update: 07 March 2020, 17:00