Permanent EU pension

A distinction is made between disability pensions on the one hand and additional earnings on the other. Since 2001, the law only provides for disability pensions (EUpension) in principle as pensions “due to total reduced earning capacity” or “due to partial reduced earning capacity”. Both forms are limited in time or granted permanently. There are also different additional earnings limits.

EU pension - long-term benefit with full disability

• Since the beginning of 2008, a general additional income limit of 400 euros has been in force for the pension due to full disability. In the event of a partial reduction in earning capacity (by 50 percent), the additional earnings limit increases to up to 881 (West) or 782 euros (East), with a quarter pension to 1,073 (West) or 952 euros (east). All figures correspond to the status of 2012.
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• It is irrelevant whether benefits are granted as a time pension or on a permanent basis. The decisive factor for the amount of the personal additional earnings limit is above all the amount of the insurable income in the last three calendar years before the start of the pension payment.
• The limits on minimum additional earnings only apply to those pensioners who have not earned more than half of the average earnings of all employees.
• If you have earned an average of three years before you retire, you can earn around EUR 2,000 (quarter pension) or EUR 1,750 (half pension).


Calculate EU pension

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Too much additional earnings - offset against pension benefits

• Under certain circumstances, it is permissible to exceed the additional earnings limits for disability pensions. You may exceed the applicable additional income limit in two months of a calendar year, limited to twice the value of the limit.
• If you exceed the permitted limit with your income, the will pay you pension insurance taking into account the amount of additional earnings, only a reduced pension or a corresponding partial pension.
• It is also possible to suspend pension payments if the highest additional earnings limit is exceeded. As soon as your additional earnings are reduced at a later point in time, you will receive a correspondingly higher pension from the pension insurance.
• In contrast to early retirement pensions, you will be paid the higher pension because of the reduced additional earnings even without an application. Of course, this requires that you inform the pension insurance company about the change.

This regulation is not only valid for EU pensions “according to the new law”, but also for the disability and occupational disability pensions granted up to 2001.