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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 January 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.

Process flow

You can apply for a disability pension in writing, in person or via online procedure. In the course of the procedure, the pension insurance checks whether the "pension due to partial disability in the event of occupational disability" is also suitable for you.

Tip: Before you submit your application, you can seek advice from the German Pension Insurance.

Written pension application:

  • Download the form package for pension due to reduced earning capacity on the website of the German Pension Insurance. Complete the application for an insured person's pension and the forms mentioned therein in full and compile the necessary documents.
  • You can complete and sign your completed and signed application with the required documents either
    • send by post to the German Pension Insurance or
    • in one of the local counselling centres.
  • When your pension application has arrived, you will receive a confirmation of receipt.
  • The German Pension Insurance checks your application for completeness and, if necessary, requests missing documents.
  • The German Pension Insurance checks the requirements for your pension entitlement and the insurance history for completeness. If necessary, it clarifies gaps in the insurance process.
  • The German Pension Insurance checks your disability on the basis of your information and submitted documents. If necessary, it requests further medical documents, such as reports of findings or expert opinions.
  • The German pension insurance clarifies other facts, for example your health insurance relationship, whether you earn additional money or receive another pension.
  • If you are entitled to the pension due to partial disability in the event of occupational disability, you will receive a pension notice with information on the start, the start of the current payment and the amount. Furthermore, you will be informed about your rights and obligations.
  • If you are not entitled to the pension due to partial disability in the event of occupational disability, you will receive a rejection notice with the reason for the rejection.

Pension application via online procedure:

  • Go to the online portal of the German Pension Insurance and register. For this purpose, you can use your signature card, your identity card with electronic proof of identity or your electronic residence title.
  • Complete the application for a disability pension and upload the necessary documents. After that, submit your pension application online.
  • When your pension application has arrived, you will receive a confirmation of receipt.
  • The German Pension Insurance checks your application for completeness and, if necessary, requests missing documents.
  • The German Pension Insurance checks the requirements for your pension entitlement and the insurance history for completeness. If necessary, it clarifies gaps in the insurance process.
  • The German Pension Insurance checks your disability on the basis of your information and submitted documents. If necessary, it requests further medical documents, such as reports of findings or expert opinions.
  • The German pension insurance clarifies other facts, for example your health insurance relationship, whether you earn additional money or receive another pension.
  • If you are entitled to the pension due to partial disability in the event of occupational disability, you will receive a pension notice with information on the start, the start of the current payment and the amount. Furthermore, you will be informed about your rights and obligations.
  • If you are not entitled to the pension due to partial disability in the event of occupational disability, you will receive a rejection notice with the reason for the rejection.

Personal application in the consultation:

  • Compile the necessary documents for the application and make an appointment at an information and advice centre of the German Pension Insurance.
  • In the consultation, your application for a disability pension is usually recorded electronically and forwarded online.
  • When your pension application has arrived, you will receive a confirmation of receipt.
  • The German Pension Insurance checks the application for completeness and, if necessary, requests missing documents.
  • The German Pension Insurance checks the requirements for your pension entitlement and your insurance history for completeness. If necessary, it clarifies gaps in the insurance process.
  • The German Pension Insurance checks your disability on the basis of your information and submitted documents. If necessary, she requests further medical documents.
  • The German pension insurance clarifies further facts, for example your health insurance relationship, whether you earn additional income or receive an accident pension.
  • If you are entitled to the pension due to partial disability in the event of occupational disability, you will receive a pension notice with information on the start, the start of the current payment and the amount. Furthermore, you will be informed about your rights and obligations.
  • If you are not entitled to the pension due to partial disability in the event of occupational disability, you will receive a rejection notice with the reason for the rejection.

A person you trust can also apply for a pension on your behalf. Please submit a corresponding power of attorney to the German Pension Insurance. As long as the power of attorney is valid, it is addressed exclusively to your authorized person.

Requirements

  • You were born before 2.1.1961.
  • You can work less than 6 hours a day in your previous job due to illness or disability.
  • They have not yet reached the standard age limit. This is the time when you can receive the regular old-age pension.
  • You have been covered by pension insurance for at least 5 years (general waiting period).
  • You have paid into the pension insurance for at least 3 years in the last 5 years before your disability.
  • Exception: If you have already fulfilled the 5-year waiting period before 1 January 1984, you can also be entitled to a pension without the 3 years of compulsory contributions.
  • The prerequisite is that in the period from 1 January 1984 until the onset of your disability, each calendar month is covered by so-called retention periods, for example through periods of voluntary contributions or, under certain conditions, periods of unemployment.
  • Under certain conditions, you can also meet the general waiting period of 5 years prematurely, for example if you are reduced in earnings due to an accident at work.

Which documents are required?

  • valid identity card or passport

  • Evidence that is not recorded in the insurance history, for example:

    • Set-off certificates
    • Proof of training periods
    • Evidence of unemployment
    • Evidence of sick leave
  • List of your health disorders

  • Names and addresses of your attending physicians

  • all information on medical examinations by public bodies such as health insurance, employment agency or employers' liability insurance association

  • Information on your hospital and rehabilitation stays in recent years

  • a chronological list of your professional activities.

  • If another person makes the request:

    • Power of attorney or
    • Order of the General Court

What are the fees?

None

What deadlines do I have to pay attention to?

Permanent pensions:

  • If you apply for a pension in the first 3 months after the onset of the disability, your pension starts from the first day of the month following the onset of your disability. If you submit your application later, the pension will only be paid from the beginning of the application month.

Fixed-term pensions:

  • As a rule, a temporary pension begins at the earliest in the seventh calendar month after the onset of the disability. It is sufficient if you apply for the pension by the end of this seventh calendar month. If you submit your application later, the pension will only be paid from the beginning of the application month.

Processing duration

usually about 4-5 months.

Note: During the pension procedure, you are usually entitled to wages or sick pay. If your entitlement to sick pay has been exhausted, you should contact your employment agency – even if your employment relationship continues. Until the decision of the pension insurance, you can be entitled to unemployment benefit.

Author

The text was automatically translated based on the German content.

Technically approved by

Federal Ministry of Labour and Social Affairs

Professionally released on

16.04.2020

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

Further Links

Single points of contact of the state of Lower Saxony, Single points of contact of the countries of Europe, advice and assistance for EU citizens and their families.