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Apply for a disability pension in the event of occupational disability

The "partial disability pension" is a special scheme for insured persons born before 2.1.1961.

  • This pension takes into account whether you can still pursue your previous profession.
  • If you were born later, you can receive the regular disability pension instead. Whether you can still work in your previous profession does not matter.

The partial disability pension supports you if you can no longer work in your profession for health reasons and have not yet reached the regular retirement age. To a certain extent, it serves as a substitute for your income.

Occupational disability means that you can only work less than 6 hours a day due to illness or disability. When you apply for the pension, the German Pension Insurance checks whether you can still do a reasonable job in a comparable profession for at least 6 hours a day. In addition to your health, your knowledge and skills play a role.

How high your disability pension is depends on your pension account with the German Pension Insurance. Your annual pension information states what you can expect in the event of full disability. Half of this pension corresponds to the pension due to partial disability in the event of occupational disability. If your pension begins before the age limit that is relevant to you, you will have to accept reductions that will reduce your pension. For each month you retire earlier, the discount is 0.3 percent, but a maximum of 10.8 percent overall.

If you receive the pension, you can earn with a part-time job to a certain extent. How much you are allowed to earn will be determined individually.

Your disability pension in the event of occupational disability is usually granted for a limited period of time, for a maximum of 3 years. You will only receive a permanent pension in certain exceptions.

Source: Serviceportal Niedersachsen (Portalverbund des Bundes und der Länder)

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