To avoid this double burden we recommend that you immediately apply for exemption from the statutory retirement pension plan via the Pharmacists' Pension Fund of Lower Saxony. The employer is legally obliged to pay half of the contribution amount to the pension scheme.Įmployed pharmacists who are not exempted from the statutory retirement pension plan have to pay – in addition to the statutory retirement pension contributions – pension contributions to the Pharmacists' Pension Fund of Lower Saxony to the amount of 2/10 of the maximum contribution rate of the statutory retirement pension. If this protection is not enough for you, then you should consider taking out a private pension for occupational invalidity.Employed pharmacists who are exempted from the statutory retirement pension plan due to participation in the Pharmacists' Pension Fund of Lower Saxony pay pension contributions in the amount of the statutory retirement pension contributions. There is no reference to activities outside the profession. #Wechsel formulare professional#There is no protection against occupational invalidity for the most recent role or position held as a pharmacist, meaning that the protection is intended to apply when any professional activity within the entire spectrum of activities of pharmacists is made impossible on medical and/or invalidity grounds. However, the requirements for admission to the occupational invalidity pension are met only if the pharmaceutical profession can no longer be practised completely. Upon application, financial assistance for medical rehabilitation measures can be granted if curative treatment or follow-up treatment following major surgery is urgently required to prevent occupational invalidity.Ī key benefit of the Pharmacists' Pension Fund of Berlin versus the statutory retirement pension plan is, amongst other things, that you gain protection against occupational invalidity after only one single contribution payment. Contribution periods previously completed with a different professional pension insurance carrier in Germany will also be taken into account. Pension for occupational invalidity is granted upon the occurrence of a qualifying event, provided that at least 1 contribution had been made before that point in time. Higher payments are also recommended for tax benefit reasons (pension contributions can be deducted as special expenses). To increase your pension entitlements, you can, if you wish, pay more than the 1.0-fold general pension contribution, for example, 1.1-, 1.3-, 1.5-, or 1.8-fold of the general pension contribution. If you are granted a partial waiver of contributions, your pension contribution will amount to 18.6% of all revenues of the respective year from your activity in the pharmaceutical field (for the purposes of the income tax law). Upon application and proof of income, a partial waiver of contributions may be granted. In principle, the highest compulsory contribution (= 1.0-fold of the general pension contribution) has to be paid, corresponding to the maximum contribution of the statutory retirement pension. Self-employed pharmacists are also obliged to pay pension contributions. To avoid this double burden, we recommend that you apply without delay for exemption from the statutory retirement pension plan via the Pharmacists' Pension Fund of Berlin. The employer is legally obliged to pay half of the contribution amount to the pension scheme.Įmployed pharmacists who are not exempted from the statutory retirement pension plan have to pay – in addition to the statutory retirement pension contributions – pension contributions to the Pharmacists' Pension Fund of Berlin to the amount of 2/10 of the maximum contribution rate of the statutory retirement pension. Employed pharmacists who are exempted from the statutory retirement pension plan due to participation in the Pharmacists' Pension Fund of Berlin pay pension contributions in the amount of the statutory retirement pension contributions.
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