Since 1.1.2020 operation pensioners receive a monthly allowance of 159,25 Euro, for you are no contributions to the insurance Fund have to pay. So everyone saves around 25 euros per month, such as "Stiftung Warentest" reports.

For some operating pensioners, but this is only a first step in a comprehensive discharge. So the "Association of direct insurance other victims" that those company retirees have nothing of the law reform, the as a directly insured larger lump-sum benefits received complains.

direct insurance most used variant

company pension (BR) can be in various forms, organize, direct insurance is the most commonly selected type. This is a capital life insurance or a private pension. The employer completes you, in most cases, the employee is responsible alone for the contribution payments. Direct insurance with a monthly pension or a lump-sum payout. It will often reach sums of more than € 100,000, such as the Stiftung Warentest reported. Also many pensioners take advantage of the payment on a blow. But you will also be charged according to the law reform massive health insurance contributions. The free comparison of FOCUS Online (display) you will Find your optimal private pension!

This interferes with, among other things, the "Association of direct insurance damaged". Because at the end of their BR-contract prior to 2004, there were no cash contributions on the payments. Only in the year 2004, the social levies on capital payments due and payable – even before the reference year contracts.

Since then, the state of a complicated calculation to calculate the charges uses: For the capital income amount will be converted into 120 Monthly payments. This fictitious month pension contributions for sickness and care insurance for ten years.

for example: For a capital payment of € 200,000 to a company pension before the 1.1.2020 paid taxes on a monthly basis 309 Euro social. Since the Reform, with the free amount, there are still 284 Euro.

treated unfairly especially pensioners, to pay their contributions out of taxed income feel, because you already have dissipated social security contributions.

Lowered health insurance premiums

the lower the pension, the more noticeable the reduction. But, especially for high-capital, high cash payouts further contributions are due. Stiftung Warentest

relief for millions of

Just to the recipients of small pensions will benefit from the new rules. Anyone who receives a maximum of 318 euros a month, halved his health insurance contributions. The beneficiaries are 60 percent of all operating pensioners, including the converted payments from direct insurance. This is true but only if you are insured in the health insurance of the pensioners ' liability. Voluntary statutory health pensioners pay the insured more fully. Persons in this category include seniors who were not insured during your working life sufficiently long statutory health. Everything you know about your pension

Our PDF guide explains on 100 pages the answers to all the important questions around the topic of retirement. Plus 58 Pages Of Forms.

PDF guide

The scheme in Detail

by the end of 2019 with company pension full sick had to care insurance and pay the contributions, of about 19 percent to their pensions. Only small occupational pensions to 155,75 euros per month, were spared. From 155,76 Euro taxes on the entire amount became due.

Instead of the old free limit for 2020, the amount of 159,25 Euro. So 159,25 Euro levy to stay a month free. The exempt amount is increasing annually.

someone Gets multiple pensions will be added together. The average insurance amount of 15.5 per cent of pensioners Operating figures on a monthly basis to a maximum of 25 Euro less. Health insurance-benefits at a Glance (indicator) Now in the free health insurance comparison to find the best conditions!

the new regulation is Complicated by the fact that for long-term care insurance, the old limit remains, on the on the entire amount of taxes due.

providers need time to transition

Hardly a operating retired is already notice in January 2020, the decline in the contributions something. The providers need to adapt their systems. Some experts expect the 1. July 2020, the first starting in January 2021.

But get: reimbursed All Affected the contributions paid retrospectively.

Whether the policy is the lump-sum payouts in the case of old directly relieve insurance, eventually, remains to be seen.

The can pensioners do Wait

: Until all of the health insurance companies, their systems have changed, it takes time. The too much money paid will be refunded automatically later.

read The full article in the current issue of the Stiftung Warentest.

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How much money you get at the age click Here for pensions calculator occurs Where Corona Virus everywhere? Real-time map shows the spread of the disease, FOCUS Online/Wochit Where occurs Corona Virus everywhere? Real-time map showing the spread of the disease

mbe Date Of Update: 31 January 2020, 08:00