True expertise remains
The start of retiement:
Not always the end of your working life
The shortage of skilled labour is affecting Germany more and more severely. This situation is difficult for companies - but it brings great advantages for specialists like you with experience and expertise. So why not continue working on your own terms after retirement? With purpose, freedom and flexibility.
Setting the course and planning
Continue working, yes - but how does that work?
Continue working in your familiar environment
A fresh start with a meaningful job
A lifetime of freelance work
Use your experience to build on your previous career
Get in touch now
You can easily apply using the details listed in your XING profile.
FAQ - Frequently asked questions about Expert+
The technical term for the term "early retirement" is actually early retirement pension. Colloquially, however, it has also come to mean pension from 63 or early retirement.
The early retirement pension subject to deductions requires that you are at least 63 years old and have completed at least 35 years of insurance in the statutory pension insurance scheme. The early retirement pension always includes a pro rata pension reduction:
If you wish to take your pension before retirement age, you must allow for a reduction in pension payments of 0.3 per cent for each month brought forward. The maximum reduction is 14.4 per cent, which corresponds to four years.
The technical term for the term "early retirement" is actually early retirement pension. Colloquially, however, it has also come to mean pension from 63 or early retirement.
The early retirement pension subject to deductions requires that you are at least 63 years old and have completed at least 35 years of insurance in the statutory pension insurance scheme. The early retirement pension always includes a pro rata pension reduction:
If you wish to take your pension before retirement age, you must allow for a reduction in pension payments of 0.3 per cent for each month brought forward. The maximum reduction is 14.4 per cent, which corresponds to four years.
The difference between the old-age pension and the standard old-age pension is that the latter describes the payment of the old-age pension in full, i.e. without deductions. However, if the insured person retires before reaching the standard retirement age, the old-age pension is lower (see early retirement).
For example, if you were born in 1956, you can retire at the age of 65 years and ten months. From 2024, the age limit will be raised in 2-month increments starting with those born in 1959. For insured persons born in 1964 or later, the current age limit of 67 will then apply.
The difference between the old-age pension and the standard old-age pension is that the latter describes the payment of the old-age pension in full, i.e. without deductions. However, if the insured person retires before reaching the standard retirement age, the old-age pension is lower (see early retirement).
For example, if you were born in 1956, you can retire at the age of 65 years and ten months. From 2024, the age limit will be raised in 2-month increments starting with those born in 1959. For insured persons born in 1964 or later, the current age limit of 67 will then apply.
The flexi-pension introduced in 2017 opens up new opportunities to work beyond retirement age and make the transition to retirement more flexible. Under this model, those who postpone retirement and continue to work receive a pension supplement of 0.5 per cent per month as well as an increase in their pension through continued payment of pension insurance contributions. The flexi-pension makes it possible to combine a pension and a job, whereby pensioners have the option of earning as much additional income as they wish. The supplementary income limits have been raised as part of the flexi pension, which means that early retirees can earn as much as they like with a part-time job without their pension being reduced.
The flexi-pension introduced in 2017 opens up new opportunities to work beyond retirement age and make the transition to retirement more flexible. Under this model, those who postpone retirement and continue to work receive a pension supplement of 0.5 per cent per month as well as an increase in their pension through continued payment of pension insurance contributions. The flexi-pension makes it possible to combine a pension and a job, whereby pensioners have the option of earning as much additional income as they wish. The supplementary income limits have been raised as part of the flexi pension, which means that early retirees can earn as much as they like with a part-time job without their pension being reduced.
The partial pension is not a separate type of pension. It amounts to a minimum of 10% and a maximum of 99.9% of the full pension. Any value is possible within this bandwidth.
It is particularly worthwhile if it avoids pension reductions. With a partial pension, insured persons can control the extent to which they still want to work or retire. Another advantage is the entitlement to sickness benefit and unemployment benefit - however, the normal health insurance contribution must continue to be paid at a reduced rate in this solution.
The partial pension is not a separate type of pension. It amounts to a minimum of 10% and a maximum of 99.9% of the full pension. Any value is possible within this bandwidth.
It is particularly worthwhile if it avoids pension reductions. With a partial pension, insured persons can control the extent to which they still want to work or retire. Another advantage is the entitlement to sickness benefit and unemployment benefit - however, the normal health insurance contribution must continue to be paid at a reduced rate in this solution.
In principle, the additional income of a pensioner must be taxed in the same way as that of employees and freelancers or the self-employed. The amount of taxable income is determined by the respective pension and the additional income.
Since 1 January 2023, old-age pensions can be drawn in full. This is independent of the supplementary income.
In principle, the additional income of a pensioner must be taxed in the same way as that of employees and freelancers or the self-employed. The amount of taxable income is determined by the respective pension and the additional income.
Since 1 January 2023, old-age pensions can be drawn in full. This is independent of the supplementary income.
The following currently applies: A pension without deductions is possible after 45 years of contributions. The following applies to anyone born in 1964 or later: The normal retirement age is 67, for those born before 1964 it is 65.
As a working pensioner, you do not have to pay any further pension contributions. However, you can voluntarily increase your pension with additional contributions by generating earnings points for your pension entitlement. It is advisable to contact your pension insurance company or a tax adviser to clarify your individual situation and the impact on your pension.
As a working pensioner, you do not have to pay any further pension contributions. However, you can voluntarily increase your pension with additional contributions by generating earnings points for your pension entitlement. It is advisable to contact your pension insurance company or a tax adviser to clarify your individual situation and the impact on your pension.
As a working pensioner in Germany, you are normally still subject to social security contributions if you earn income from employment for which social security contributions are due. This applies, for example, to statutory health insurance and long-term care insurance and, if applicable, accident insurance.
However, there are exceptions and special features depending on age, scope of employment and type of work. For example, it may be that certain contributions are no longer due from a certain age or that mini-jobs have certain regulations.
It is therefore advisable to contact your health insurance, pension insurance or a tax consultant to clarify your specific situation and the impact on your social security contributions.
As a working pensioner in Germany, you are normally still subject to social security contributions if you earn income from employment for which social security contributions are due. This applies, for example, to statutory health insurance and long-term care insurance and, if applicable, accident insurance.
However, there are exceptions and special features depending on age, scope of employment and type of work. For example, it may be that certain contributions are no longer due from a certain age or that mini-jobs have certain regulations.
It is therefore advisable to contact your health insurance, pension insurance or a tax consultant to clarify your specific situation and the impact on your social security contributions.
Our memberships for a fulfilling work life—even in retirement
Bundesverband Initiative 50 Plus
The advocacy group for demographics with a particular focus on the Baby Boomer generation.
Allianz der Chancen
Concepts for the working world of tomorrow.