Own pension and widow's pension

Calculate your own pension carefully

• Sooner or later, as a professional today, you will be on the cusp of Retirement. To get a nasty surprise in terms of your own pension To avoid it, it is absolutely necessary to take your own pension and the Widow's pension to calculate.
• The rule of thumb is that the Retirement pension is about 45 percent of the last net income. However, this number depends on the length of employment and the contributions paid. Hardly any employee still fulfills the contribution period of 45 years.
• If you plan to retire early, your own pension, and with it the widow's pension, will be reduced again. For every month that you retire before reaching the standard retirement period, the standard retirement pension is reduced by three percent. Since you can retire a maximum of 36 months before reaching regular retirement, the reduction in this case is 10.8 percent.
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• Due to the tax liability of pension payments, the net pension may be lower than shown in the pension notification.

Widow's pension is calculated based on the old-age pension

• So not only your own pension should play a role in your pension planning, the widow's pension is just as relevant.


A company pension as a widow - you should bear this in mind

Those who spend their peaceful retirement financially secure enough ...

• The widow's pension distinguishes between the "large" and the "small" widow's pension. The large widow's pension is 55 percent of the deceased's old-age pension and is currently paid, if the survivor is at least 45 years old and / or a minor child in the household lives.
• The small widow's pension is roughly 25 percent of the Disability pension of the deceased. It is paid to surviving dependents who are reasonably expected to ensure their own livelihood. The subscription period is limited to two years.
• These few figures show that it is important for everyone to make private provision not only for their own pension, but also for the widow's pension.