voiced an interesting fact: in Germany, one of the most effective pension systems in Europe.Why is that?Read on.
main types of payments
pensions in Germany are divided into three categories:
- issued upon age.
- dependency allowance (if they charge a survivor).
- Payments for disability when there is a complete and professional disability in humans.
Details
Consider the first type - a pension in Germany, which give age.These include several types of payments:
- Total payments for the achievement of a man 67 years (effective from 2012), if there is work experience not less than 5 years.
- benefits in case of loss (partial or complete) of working capacity of people at age 60, if a person is recognized as unfit for work and his experience of 35 years.
- Payments under the age of the unemployed or those who are engaged in part, at the age of 60 years.This applies to those who last year were 1.5 without formal employment, as well as to employees who work part-time is not less than 52 weeks or 24 months.Work experience should be 15 years.
- Payments to those who have more than 35 years of experience in the country.
- Payments only to women born in 1952 have reached 60 years old, have experience in the country of 15 years.10 years and 1 month should fall on the period after the age of forty.
- benefits for miners with experience of 25 years who have reached 60 years.
pensions in Germany did not accrue automatically.It is necessary to apply for a certain type of benefits.It will have to fill out a special form.Labor pension can get only those people who have earned it.This right can not be transferred, it occurs under the conditions described in the law.The main requirement - the onset of appropriate age, is determined separately for each category.
essential point
For pensions in Germany need to have a certain number of years of work that is insured.This is called Wartezeit.Everything depends on the type of benefits.This period can be between 5 and 35 years.
average pension in Germany in 2013 is 1266 euros.
Insurance
In this country there are several types of software.There are three main levels:
- Mandatory gosobespechenii.
- Insurance companies.
- Non-state security, private funds.
State Insurance is mandatory for all people monthly income of more than 3,900 euros before deducting the necessary taxes.The system is quite traditional.Its essence is that the working population make contributions to the fund at the expense of pensioners and live.In the country, the principle of redistribution - a kind of contract of solidarity of people of different generations.There is no accumulation of contributions received, they immediately used.Many Germans with high incomes refuse public services, turning to private traders.It is popular with farmers and entrepreneurs.The payer decides how much it will deduct that enters into a contract of insurance of their pension.
pension in Germany worthy, we have something to learn from them.The people of this country believe that if you do not take care of their own security in old age, then nobody would.So do not think that high benefit - merit only the public authorities of the country, as many Russians.
